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Rewards only pay if you pay in full. We compare what a card earns and gives, not its interest rates: carrying a balance costs more than any card earns. Rates and fees like APR, balance transfer and cash advance vary by applicant, so check the issuer's rates and fees before you apply. Why we never carry a balance

Citi Strata Card card art
Citi Strata 1 of 1
Comparing 1 card
Citi Strata Card card art
Citi
Citi Strata
Apply Details
Cost and value $0 fee
Annual fee
$0
Credits you can use a year, if you use every one
None
Fee after credits
$0
Point value per point or mile
1.33¢ Estimate
Rewards currency
ThankYou points
Foreign transaction fee
3%
Rates and fees
On the issuer's site APR, balance transfer and cash advance vary by applicant
Sign-up bonus 20,000 points, about $266
Bonus
20,000 points
Estimated value
$266
Spend to earn it less a month is easier
$1,000 in 90 days about $333 a month
Earning rates Top rate 5x
Return is points per dollar times that card’s point value, so 3x and 4x on different currencies compare fairly.
Dining
2x about 2.7% back
Groceries
3x about 4.0% back
Hotels
1x about 1.3% back, the everything-else rate
  • 5x via the issuer portal, about 6.7%
Gas
3x about 4.0% back
Transit / Rideshare
3x about 4.0% back
Everything else
1x about 1.3% back
Only on this card
  • 3x Rotating category
Statement credits No credits
Monthly credits to track fewer is less work
0
Transfer partners 24 partners
Partners
24
Alliance reach
Oneworld, SkyTeam, and Star Alliance
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
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
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
Status, lounges and travel No status or lounges
Travel benefits
  • 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.
Protection and insurance 2 coverages
Rows line up by coverage type. "Not listed" means the terms we track do not mention it, not that the card lacks it.
Purchase protection
  • 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.
Other coverage
  • Citi® Flex Pay lets you pay over time in fixed monthly payments and continue to earn points on eligible purchases of $75 or more.
Lifestyle and other perks 2 perks
Lifestyle and entertainment
  • Special access to purchase tickets to thousands of events, including presale tickets and exclusive experiences for concerts, sporting events, arts and culture experiences.
Other perks
  • Add an Authorized User to your account at no additional cost and earn points faster.
Authorized users Free
Cost
Authorized users are free.
Each one gets
  • Mastercard id theft protection
Application rules 1/8
Issuer approval rules
  • 1/8 Community-reported
    What counts

    Citi generally approves at most 1 card application per 8 days.

  • 2/65 Community-reported
    What counts

    Citi generally approves at most 2 card applications per 65 days.

Bonus eligibility
  • 48-month rule Community-reported
    What counts

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

Card type
Personal