Citi Strata Card
By Alex Compton · Last verified
The no-fee entry to ThankYou points with a category you pick yourself.
Welcome Bonus
Under review
Current claim suppressed
Spend Requirement
Under review
Annual Fee
Under review
Last recorded terms remain in the history below
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.
| Observed | Offer | Requirement | What changed | Evidence |
|---|---|---|---|---|
| 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 ledgerEvent-level primary-source attachments begin with the September 2026 verification system. Older records remain visible but are not retroactively presented as evidenced.
Source checked 2026-06-10 · spot an outdated offer? Report a correction above.
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Last Recorded Earning Rates
These terms are historical context and are not presented as current.
- 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
Last Recorded Credits
No statement credits, this card wins on earn rates, not coupons.
Last Recorded Benefits
Confirm availability and enrollment requirements with the issuer.
- ✦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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