Citi

Citi Strata Card

Consumer

Annual fee	$0 Fact
Foreign transaction fee	3%
Rewards currency	ThankYou points
Est. point value	1.33¢ Estimate

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Last updated Oct 25, 2026

Checked Oct 25, 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.

Sign-up bonus history

5-year best: 30,000 points

$1k spend 5-year best

View as a table

Period	Bonus	Spend requirement
Jul 2025 to Feb 2026 · 6 mo	30,000 points Best	$1,000
Feb 2026 to now · 9 mo	20,000 points	$1,000

Based on the public offers we have on record over time. Short-lived offers may not appear, and elevated or targeted offers are not shown.

How you earn

Category	Rate	Currency	Cap
Travel (issuer portal) 5x points per dollar spent on Hotels, Car Rentals, and Attractions booked on cititravel.com.	5x	points	No cap
Gas and EV charging Best card for gas	3x	points	No cap
Transit and rideshare Best card for transit / rideshare	3x	points	No cap
Groceries Best card for groceries	3x	points	No cap
Rotating category	3x	ThankYou Points	No cap
Restaurants Best card for dining	2x	points	No cap
Everything else	1x	points	No cap

Better with a points card. Pair this card with Citi Strata Elite Card or Citi Strata Premier Card and its rewards pool into that card as points you can transfer to travel partners.

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 2

Citi® Flex Pay lets you pay over time in fixed monthly payments and continue to earn points 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.

Covers authorized users when they pay with their card

Other Perks 1

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

Authorized users on the Citi Strata

Card facts

Authorized users are free.

Each authorized user gets

Mastercard id theft protection

Shared across the account

Citi travel booking access

Transfer partners

Cathay Pacific Asia Miles 1:1 Bonus running Qatar Airways Privilege Club 1:1 Bonus running 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 Choice Privileges 1:2 Copa Airlines ConnectMiles 1:1 EVA Air Infinity MileageLands 1:1 Emirates Skywards 5:4 Etihad Guest 1:1 I Prefer Hotel Rewards 1:4 Japan Airlines Mileage Bank 1:1 JetBlue TrueBlue 1:1 Leaders Club 5:1 Qantas Frequent Flyer 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

A transfer bonus is running on this currency. Navigator shows how big it is and when it ends.

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