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+)
Rates and offer last verified June 17, 2026.
Earning rates
5x ThankYou® Points on hotels, car rentals, and attractions booked via Citi Travel
3x on one self-select category (streaming, fitness, live entertainment, and more)
1x on all other purchases
Features & benefits
3x at supermarkets, on select transit, and at gas and EV charging stations
2x at restaurants
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
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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