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Citi Strata℠
Citi

Citi Strata℠

Pools with Citi → transferable
Annual fee
No annual fee
Welcome bonus
20,000 ThankYou® Points ($200 value)
Min spend
$1,000 in 3 months
Recommended credit
Good (670+)
Apply on Citi siteReview
Before you apply: Citi application and welcome-bonus rules →
Offer last verified June 17, 2026. How we verify.

Earning rates

5x ThankYou® Points on hotels, car rentals, and attractions booked via Citi Travel
3x at supermarkets, on select transit, and at gas and EV charging stations
3x on one self-select category (streaming, fitness, live entertainment, and more)
2x at restaurants
1x on all other purchases

Features & benefits

No annual fee
Pair with Citi Strata Premier to unlock transfers to 18+ airline and hotel partners
No foreign transaction fees
Citi Entertainment® access for presale tickets and VIP events
Purchase protection and extended warranty
World Elite Mastercard benefits

Transfer partners

On its own this card earns ThankYou Points worth about 1 cent each. Pool it with a Citi transfer card such as the Strata Elite, though, and the points unlock the same airline and hotel transfers, where major partners include:

Airline partners

American Airlines AAdvantage, Turkish Miles & Smiles, JetBlue TrueBlue, Virgin Atlantic, Avianca LifeMiles, Air France/KLM

See exactly what a flight award costs

Stop guessing at point values. Look up the real mileage price and live seat availability for a specific flight.

Search award flights on seats.aero →

Hotel partners

Wyndham Rewards, Choice Privileges

See what a hotel award costs

Look up the live points price and availability for a specific hotel stay before you book.

Search award stays on rooms.aero →

See the full Citi ecosystem, card lineup, and live transfer bonuses →

How does it rank for your spending?

Every card is ranked by what it actually returns on the way you spend. Run your numbers and see where the Citi Strata℠ lands.

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