Citi Strata Card
| Annual fee | $0 Fact |
| Foreign transaction fee | 3% |
| Rewards currency | points |
| Est. point value | 1.90¢ Estimate |
Last updated Sep 12, 2026
Checked Sep 12, 2026
Before you apply
General Citi policies as commonly reported by applicants, not a prediction about your application.
📈 Sign-up bonus history
5-year best: 30,000 pointsView as a table
| Period | Bonus | Spend requirement |
|---|---|---|
| Jul 2025 to Feb 2026 · 6 mo | 30,000 points Best | $1,000 |
| Feb 2026 to now · 7 mo | 20,000 points | $1,000 |
Historical levels reconstructed from periodic snapshots of public offer pages; short-lived offers between samples may be missing. Elevated or targeted offers are not shown.
How you earn
| Category | Rate | Currency | Cap |
|---|---|---|---|
| Travel | 5x | points | No cap |
| Gas and EV charging | 3x | points | No cap |
| Transit and rideshare | 3x | points | No cap |
| Groceries | 3x | points | No cap |
| Rotating category | 3x | points | No cap |
| Restaurants | 2x | points | No cap |
| Everything else | 1x | points | No cap |
Benefits & protections
Card factsPoints 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.
Special access to purchase tickets to thousands of events, including presale tickets and exclusive experiences for concerts, sporting events, arts and culture experiences.
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.
Add an Authorized User to your account at no additional cost and earn points faster.
Transfer partners
Alliance reach: Oneworld, SkyTeam, Star Alliance. Points transferred to a member can often be redeemed across the alliance.