Citi Strata Card
Best for: No-fee ThankYou points earners
Pros
- No annual fee
- Choose-your-own 3x category
- Long intro APR
Cons
- 3% foreign transaction fee
- Portal-based 5x earn
- Limited transfer partner access versus premium Strata cards
Rates and offers change. Confirm today's terms on the issuer's official site before applying. Independent comparison — not financial advice.
This card launched recently (July 27, 2025). Announced May 2025 as a replacement for Citi Rewards+ (discontinued July 20, 2025); new applications opened July 27, 2025.
Citi Strata Card at a glance
| Issuer | Citi |
| Card network | Mastercard |
| Annual fee | None |
| Rewards rate | 5x hotels/car rentals/attractions via Citi Travel; 3x supermarkets, select transit, gas/EV and one self-select category; 2x restaurants; 1x other |
| Welcome bonus | 20,000 points after $1,000 spend in 3 months (reported) |
| Intro APR | 0% on purchases and balance transfers for 15 months |
| Regular APR | 18.49%-28.49% variable (reported) |
| Foreign transaction fee | 3% |
| Credit needed | Good to Excellent (typical; not issuer-stated) |
| Best for | No-fee ThankYou points earners |
Key features
- Self-select 3x category: fitness, streaming, live entertainment, cosmetics/salons or pet supply
- Replaced the Citi Rewards+ card; Rewards+ holders converted automatically
- Earns ThankYou points
Pros
- No annual fee
- Choose-your-own 3x category
- Long intro APR
Cons
- 3% foreign transaction fee
- Portal-based 5x earn
- Limited transfer partner access versus premium Strata cards
Before you apply: terms for new cards change quickly. Confirm the current annual fee, rates, rewards and welcome offer on the issuer's official site. CreditCardCompare is an independent comparison resource, not the card issuer, and this is not financial advice.
Sources: upgradedpoints.com · awardwallet.com
How it compares with similar USA cards
| Card | Annual fee | Rewards | Intro APR | Foreign fee | Credit needed | Rating |
|---|---|---|---|---|---|---|
CitiStrata 5443 8707 9615 7829 VALID THRU 06/31ALEX MORGAN Citi Strata CardNo-fee ThankYou points earners |
None | 5x hotels/car rentals/attractions via Citi Travel; 3x supermarkets, se… | 0% on purchases and balance transfers for 15 months | 3% | Good to Excellent (typical; no… | — |
Column N.A. (serviced by Cardless) for BiltBilt Blue 5332 2467 8098 7055 VALID THRU 01/30TAYLOR REED Bilt Blue CardRenters wanting fee-free rewards on rent |
None | 1x points on everyday spend plus 4% Bilt Cash; points on rent and mort… | 10.00% intro APR on new purchases for first 12 months | None | See issuer | — |
First National Bank of Omaha (FNBO)FNBO Complete Rewards Visa… 4293 0890 2883 7249 VALID THRU 06/29ALEX MORGAN FNBO Complete Rewards Visa Signature CardDomestic travelers wanting a no-fee regional-bank card |
None | 5x travel; 3x streaming; 2x fuel; 1x other | None | 3% | See issuer | — |
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