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)
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
Last verified 2026-06-10 · spot an outdated offer? Tell us in the comments.
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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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