Citi

Citi Strata Card

Consumer

Annual fee	$0 Fact
Foreign transaction fee	3%
Rewards currency	points
Est. point value	1.90¢ Estimate

Apply for this card

Last updated Jul 26, 2026

Checked Jul 26, 2026

Before you apply

1/8. Citi generally approves at most 1 card application per 8 days. Community-reported.

2/65. Citi generally approves at most 2 card applications per 65 days. Community-reported.

48-month rule. Citi sign-up bonuses within the same card family are generally available only once every 48 months. Community-reported.

General Citi policies as commonly reported by applicants, not a prediction about your application.

How you earn

Category	Rate	Currency	Cap
Travel	5x	points	No cap
Hotels	5x	points	No cap
Other	3x	points	No cap
Gas and EV charging	3x	points	No cap
Transit and rideshare	3x	points	No cap
Groceries	3x	points	No cap
Restaurants	2x	points	No cap
Everything else	1x	points	No cap

Benefits & protections

Card facts

Travel Benefits 1

Points transfer to American Airlines, JetBlue, Virgin Atlantic, Cathay, Eva Air, Choice Hotels, The Leading Hotels of the World and others. Minimum transfer is 1,000 points.

Lifestyle & Entertainment 1

Special access to purchase tickets to thousands of events, including presale tickets and exclusive experiences for concerts, sporting events, arts and culture experiences.

Protection & Insurance 3

Buy now, pay later with Citi Flex Pay. Pay over time in fixed monthly payments and continue to earn points on purchases. Available on eligible purchases of $75 or more.

The ID Theft Protection program offered by Mastercard helps eliminate the worry of identity theft by monitoring information and alerting you if suspicious activity is found. Free to enroll.

0% Intro APR for 15 months on purchases and balance transfers from date of account opening; after that, variable APR of 18.49% - 28.49% based on creditworthiness.

Other Perks 6

Citi will alert you if unusual activity is seen on your account.

Use Citi Quick Lock in the Citi Mobile App or at citi.com to instantly block new charges while allowing recurring transactions to continue without disruption.

Add an Authorized User to your account at no additional cost and earn points faster.

Get free access to your FICO Score online to review your credit history.

Shop safely with a contactless chip-enabled card; tap your card on the payment reader and go in seconds.

Digital wallets let you shop with confidence in millions of places online, within apps and in stores.

Transfer partners

ALL Accor Live Limitless 2:1 Aeromexico Rewards 1:1 Air France-KLM Flying Blue 1:1 American Airlines AAdvantage 1:1 Avianca LifeMiles 1:1 Cathay Pacific Asia Miles 1:1 Choice Privileges 1:2 EVA Air Infinity MileageLands 1:1 Emirates Skywards 5:4 Etihad Guest 1:1 JetBlue TrueBlue 1:1 Leading Hotels of the World Leaders Club 5:1 Preferred Hotels & Resorts (I Prefer) 1:4 Qantas Frequent Flyer 1:1 Qatar Airways Privilege Club 1:1 Shop Your Way 10:1 Singapore Airlines KrisFlyer 1:1 Thai Royal Orchid Plus 1:1 Turkish Airlines Miles&Smiles 1:1 Virgin Atlantic Flying Club 1:1 Virgin Red 1:1 Wyndham Rewards 1:1

Alliance reach: Oneworld, SkyTeam, Star Alliance. Points transferred to a member can often be redeemed across the alliance.