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Citi Strata℠ Card

Citi · Mastercard

Citi Strata℠ Card

26 / 100

Annual Fee

$0

Sign-Up Bonus

$150

Spend $1,000 in 3mo

Base Rate

1x

on everything

Best For

Budget-friendly points card with automatic round-up on every purchase

Sign-Up Bonus

Bonus: 15,000 points

Requirement: Spend $1,000 in 3 months

Estimated value: $150

Reward Categories

grocery

Supermarkets (up to $6,000/year)

Cap: $6,000/yr

2x
gas

Gas stations (up to $6,000/year)

Cap: $6,000/yr

2x
Everything else1x

Point value: 0.01¢ each

Key Benefits

No Annual Fee
Round Up Rewards to Nearest 10(~$15/yr)

Pros & Cons

Pros

  • + Points round up to nearest 10 on every purchase — great for small transactions
  • + 2x on grocery and gas up to $6,000/year each
  • + No annual fee
  • + Pairs well with Citi Premier for transfer partner access

Cons

  • - 2x rates are capped at $6,000/year per category
  • - Round-up benefit is modest — best on small purchases
  • - 1x base rate is below average for a no-fee card
  • - ThankYou points worth only 1¢ without Premier/Prestige pairing
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Recommended credit score: 670+

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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.