Citi · Mastercard
Citi Strata® Card
Budget-friendly points card with a self-select 3x category
No annual fee
Why people consider it
- 3x on Grocery.
- 3x on Gas.
- 3x on Transit.
Current welcome offer
Welcome offer: 20,000 points= $200
Requirement: Spend $1,000 in 3 months
Tell us what you normally spend and we’ll check it against this requirement. Find a card →
Current offer shown; issuer determines eligibility.
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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Is this card worth it?
Ongoing value
$826/year
for the sample household ($4,800/month) · points at typical value
First-year value
$1,026 first year
Includes: +$200 welcome offer
$200 is one-time. $826/year is ongoing.
To earn the bonus: spend $1,000 in 3 months.
Offer verified: Nov 4, 2026
Worth considering if you already want this type of card.
- Full annual fee:
- none
- Major trade-offs:
- Top 5x rate is limited to Citi Travel portal bookings 2x base on restaurants, 1x on everything else
- Against a no-fee alternative:
- This is a no-fee card — nothing to earn back.
Detailed research
Full reward table and category caps
Hotels, car rentals & attractions via Citi Travel
Supermarkets
Gas & EV charging
Select transit
One self-select 3x category (default streaming; changeable quarterly)
Restaurants
Optional benefits and credits
Perks (not counted in our math)
Approval and bonus eligibility caveats
Recommended credit score: 670+ — the issuer decides every application.
Issuer verification source
Rates and fees may vary.See current rates, fees, and terms on Citi's site
Detailed methodology
Net annual value = rewards on a spending profile at typical point value − the full annual fee; credits count only if you tell us you use them; a welcome offer counts once, in year one, only where the profile meets its requirement. Same math as Find a Card. Methodology v2026.09.4.
Editorial review and disclosures
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
Written by Tim · Data verified against issuer terms · Last checked Nov 4, 2026 · Methodology v2026.09.4
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.