Citi Strata℠
A no-annual-fee travel rewards card from Citi.
Rates, fees, and full terms are set by Citi and can change. See current rates & fees on the issuer’s site, and always confirm the latest terms before applying.
Is this card right for you?
people who spend heavily on groceries, gas, and streaming and want travel rewards they can grow.
your spending is spread evenly, where a flat-rate card would likely earn you more.
Earning rates
Best ways to earn & redeem
Put your groceries, gas, and streaming spending on this card to earn at its highest rates, and let a different card handle the categories it does not bonus.
When you cash in, pool the rewards into the issuer transferable points when you also hold an eligible card, then move them to travel partners. We value every point at a flat 1 cent, so treat any transfer upside as a bonus rather than the baseline — see what your points are really worth.
Features & 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
To see what a specific flight award actually costs, look up live mileage prices and seat availability on seats.aero.
Hotel partners
Wyndham Rewards, Choice Privileges, The Leading Hotels of the World
You can check the live points price for a specific stay on rooms.aero.
See the full Citi ecosystem, card lineup, and live transfer bonuses →
Alternatives to the Citi Strata℠
Pairs well with
The Citi Strata℠ earns ThankYou Points but cannot transfer on its own. Pair it with a Citi transfer hub to unlock airline and hotel transfers.
Learn more
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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