Citi · Mastercard
Citi Strata℠ Card
Annual Fee
$0
Sign-Up Bonus
$200
Current offer shown; issuer determines eligibility.
Spend $1,000 in 3mo
Terms apply.
Base Rate
1x
on everything
Best For
Budget-friendly points card with automatic round-up on every purchase
Sign-Up Bonus
Bonus: 20,000 points
Requirement: Spend $1,000 in 3 months
Estimated value: $200Terms apply. Current offer shown; issuer determines eligibility.
Reward Categories
Hotels, car rentals & attractions via Citi Travel
Supermarkets
Gas & EV charging
Select transit
One self-select 3x category (default streaming; changeable quarterly)
Restaurants
Key Benefits
Perks (not counted in our math)
Pros & Cons
Pros
- + 5x on hotels/car rentals/attractions via Citi Travel
- + 3x on supermarkets, gas & transit, and a self-select category
- + No annual fee
- + Pairs well with Citi Premier for transfer partner access
Cons
- - Top 5x rate is limited to Citi Travel portal bookings
- - 2x base on restaurants, 1x on everything else
- - Self-select 3x category must be chosen each quarter
- - ThankYou points worth only 1¢ without Premier/Prestige pairing
Rates and fees may vary.See current rates, fees, and terms on Citi's site
Recommended credit score: 670+
Advertising disclosure: we may earn a commission if you apply through this link. This does not affect your ranking. Full disclosure
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Written by Tim · Data verified against issuer terms · Last checked Sep 14, 2026 · Methodology v2026.09.1
Card information is collected independently and has not been reviewed or provided by the card issuer. Terms apply to the offers listed on this page. See our disclosure for details.