Citi Strata℠ Card
No annual fee · 1x on everything else · 3.0% foreign transaction fee
Earn rates · how we got this
| 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. Bonus figure confirmed on the issuer's page 2026-09-14.
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? · how we got this
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.
Who this card is not for
Every point below is a term the issuer prints, read off this card's own row in our database — not an opinion about the card. two things on this card rule out a kind of spender:
- Anyone who doesn't spend at the issuer's travel portal. Its largest printed rate, 5x on issuer travel portal, pays only at the issuer's travel portal. Elsewhere in that category the card earns 5x, so the headline number is a loyalty rate rather than a category rate — which is why no ranking on this site counts it.
- Anyone who spends abroad. Every purchase in a foreign currency carries a 3.0% foreign transaction fee. On a card earning 1.1¢ per dollar at the base rate, that fee costs more than the rewards on the same purchase.
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.