Citi Strata℠ Card
No annual fee · 1x on everything else · 3.0% foreign transaction fee
Earn rates
| Category | Rate | Cap |
|---|---|---|
| Groceries | 3x | uncapped |
| Gas | 3x | uncapped |
| Category of your choice (you pick) | 3x | uncapped |
| Dining | 2x | uncapped |
| Everything else | 1x | uncapped |
| Issuer travel portal portal only — pays only if you book through the issuer's own site, so it is excluded from every ranking on this site |
5x | uncapped |
See how it ranks: best groceries cards · best gas cards · best dining cards.
Signup bonus: 20,000 points after $1,000 in 3 months. We never count unearned bonuses in savings math — a bonus you don't clear is worth zero.
Non-cash perks
- Points transfer to American Airlines, JetBlue, Virgin Atlantic, Cathay Pacific, Eva Air, Choice Hotels, The Leading Hotels of the World
- Citi Entertainment presale/exclusive event access
- Add Authorized Users at no additional cost
- Intro APR promo on purchases and balance transfers for new cardmembers
Does the fee earn out?
No annual fee, so every point earned is pure upside. The question is only whether its rates beat the other cards already in your wallet — which depends on your spending, not the card.
Check the current offer on the issuer's site → Where a card link will appear once available — no link on this page pays us today.
Comparing cards in the same currency? See the best cards that earn Citi ThankYou points →
More from Citi
Which card should this spending actually be on? The demo re-scores a year of realistic spending against every card in a wallet — free, no signup. See it on sample data →
Verified 2026-08-21 against issuer terms · sources: www.citi.com · www.forbes.com. Spot an error? Tell us.