Citi Strata Card
By Alex Compton · Last verified
The no-fee entry to ThankYou points with a category you pick yourself.
Welcome Bonus
20,000
≈$360 value
Spend Requirement
$1,000
in 3 months
Annual Fee
$0
3% FTF
Credit Score
670+
(Good)
Current offer note: Bonus confirmed unchanged; Citi quietly moved Strata-family bonus eligibility from once-per-48-months to once-per-lifetime language around September 20, 2026
Historical Offers Chart
Every public offer change we've tracked. Hover for details, timing your application is worth hundreds of dollars.
Apply now or wait?
Consider waitingThis card has offered 30k before; the current 20k is right at its typical 20k. Elevated offers have appeared 1 time in the last two years of our data, so if you can wait, history is on your side.
Current offer
20k
All-time high
30k
Typical offer
20k
In place since
June 2026
| Observed | Offer | Requirement | What changed | Evidence |
|---|---|---|---|---|
| 2026-11-02 | 20,000 | $1,000 in 3 mo | Terms reconfirmedFreshness-rotation reconfirmation: Citi's apply page and independent coverage (AwardWallet, One Mile at a Time) still show 20,000 points / $1,000 / 3 months, $0 annual fee, and the once-per-lifetime bonus-eligibility rule tied to ever having held a Strata card. No change. | Citi Strata Card page, checked November 2, 2026 → |
| 2026-09-28 | 20,000 | $1,000 in 3 mo | Terms reconfirmedBonus amount unchanged, but Citi replaced the 48-month reapplication window with once-per-lifetime eligibility language across the whole Strata family (Strata, Strata Premier, Strata Elite) around September 20, 2026 | Archive record · no attached snapshot |
| 2026-06 | 20,000 | $1,000 in 3 mo | Bonus decreased: 30,000 → 20,000 | Archive record · no attached snapshot |
| 2025-07 | 30,000 | $1,000 in 3 mo | Bonus increased: 20,000 → 30,000Elevated offer, ended January 2026 | Archive record · no attached snapshot |
| 2025-05 | 20,000 | $1,000 in 3 mo | Earliest recordLaunch offer | Archive record · no attached snapshot |
Primary-source verification log
Append-only evidence ledger- confirmed
Verified guide annual fee, ongoing earning summary and stated limitations. This is a scoped guide check, not a full review or welcome-offer reverification; existing card verification date is preserved.
Official issuer page: best-credit-cards guide check →
Source checked 2026-11-02 · spot an outdated offer? Report a correction above.
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Earning Rates
- 5xHotels, car rentals, attractions booked on CitiTravel.com
- 3xSupermarkets, select transit, gas and EV charging
- 3xQuarterly self-select categoryChoose from fitness, streaming, live entertainment, cosmetics and salons, or pet supplies
- 2xRestaurants
- 1xAll other purchases
Credits
No statement credits, this card wins on earn rates, not coupons.
Benefits
- ✦Replaced the Rewards+ as Citi's no-fee ThankYou earner
- ✦Pools points with Strata Premier or Strata Elite for full transfer partner access
- ✦Points never expire with no earning cap
Why it earns its spot
- +3x supermarkets and gas on a no-fee card
- +Self-select category adapts to your actual spending
- +Strong multiplier coverage for zero dollars a year
Where it costs you
- −Points have limited value without a Premier or Elite alongside
- −3% foreign transaction fee
- −Bonus eligibility is now once per lifetime on this card, not once per 48 months, as of November 2026
The Compound Verdict
Citi finally built a no-fee card worth recommending. The 3x grocery and gas earn rivals cards charging $95, and pairing it with a Strata Premier unlocks real airline transfers. The self-select category is a quiet edge nobody else offers free. One caution: Citi tightened bonus eligibility across the Strata family to once per lifetime in September 2026, so this bonus is no longer a repeatable every-four-years play.
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