Citi
Citi Strata Card
Estimated value every year on typical spending
$528/ year
Every year, after the annual fee. No welcome bonus.
Based on a typical ~$2,600/month of spending. Points valued conservatively; confirm terms with the issuer.
Carry a balance? At 20%+ APR, interest usually costs more than any card earns.
Is it worth it?
With no annual fee, the Citi Strata Card can't cost you money to hold, so the question is only whether another card would earn more. It's worth about $528 a year on typical spending.
The fine print
- Intro APR
- Not listed
- Regular APR
- Not listed
- Foreign fee
- % of the U.S. dollar amount of each purchase.
- Rewards paid as
- Citi ThankYou · ~1¢ each
- Approval
- Good credit recommended
- Redeem for
- Airline/hotel bookings · Loyalty program transfers · Gift cards
Rewards
- 5x points on Hotels, Car Rentals, and Attractions booked through cititravel.com
- 3x points at Supermarkets, Gas & EV Charging Stations, and on an eligible Self-Select Category
Sign-up bonus
None
Best for
- Big spenders on groceries
- Travelers who redeem points
- Keeping costs at $0
Not ideal for
- People who want plain cash back
Trade-offs: Better travel value ↔ less straightforward than cash back; No annual fee ↔ lower category bonuses.
Worth knowing
- Annual fee
- $0
- Intro APR
- Not listed
- Regular APR
- Not listed
- Balance transfer fee
- intro fee of % of each transfer ($ minimum) completed within the first 4 months of account opening. After that, % of each transfer ($ minimum).
- $500/mo on groceries earns about $180/year (3x).
- $1200/mo on everyday spending earns about $144/year (1x).
Offer history
No changes to the fee, welcome offer or intro APR since we started checking this card daily on Oct 26, 2026.
Citi Strata Card: questions people ask
Is the Citi Strata Card worth it?
With no annual fee, the Citi Strata Card can't cost you money to hold, so the question is only whether another card would earn more. It's worth about $528 a year on typical spending.
What is the Citi Strata Card annual fee?
The Citi Strata Card has no annual fee ($0).
What does the Citi Strata Card earn?
5x points on Hotels, Car Rentals, and Attractions booked through cititravel.com. 3x points at Supermarkets, Gas & EV Charging Stations, and on an eligible Self-Select Category.
What credit score do you need for the Citi Strata Card?
The issuer doesn't say; we'd class it as: good credit recommended. Checking your matches on CardFit never runs a credit check.
Does the Citi Strata Card charge foreign transaction fees?
Yes: % of the U.S. dollar amount of each purchase..
Compare Citi Strata Card
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Card details are collected from issuer websites and were last refreshed October 29, 2026. Source: Citi product page. Terms change often; confirm them with the issuer before you apply.