MastercardCiti Strata Card
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)
Historical Offers Chart
Every public offer change we've tracked. Hover for details, timing your application is worth hundreds of dollars.
Last verified 2026-06-10 · spot an outdated offer? Tell us in the comments.
Earning Rates
- 5xHotels, car rentals, attractions booked on CitiTravel.com
- 3xSupermarkets, select transit, gas and EV charging
- 3xQuarterly self-select category
- 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
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.
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