Citi Strata
No annual fee, earning Citi ThankYou Points, on the Mastercard network.
Card terms last verified against issuer pages on 2026-09-20.
The Citi Strata is a no annual fee card from Citi earning Citi ThankYou Points. It earns 5x on travel(cititravel), 3x on grocery, 3x on gas and 1x on everything else. We have no recurring statement credits on file for this card.
What it earns
Rates are the multipliers Citi advertises. We do not convert them into a percentage return, because that requires putting a price on Citi ThankYou Points and that price is a judgement, not a fact — see how we source this.
| Category | Rate | Notes |
|---|---|---|
| Travel(CitiTravel) | 5x | |
| Grocery | 3x | |
| Gas | 3x | |
| EV Charging | 3x | |
| Transit | 3x | |
| Dining | 2x | |
| Other | 1x | Everything else |
Other perks
Benefits that are not dollar statement credits — certificates, lounge visits, point bonuses. Where a value appears it is an estimate, not an amount the issuer credits you, and it is excluded from the credits total above.
| Perk | How often | Estimated value |
|---|---|---|
| ThankYou Points TransferTransfer ThankYou Points to a select list of travel loyalty programs including American Airlines AAdvantage, JetBlue TrueBlue, Virgin Atlantic, Cathay, EVA Air, Choice Privileges and The Leading Hotels of the World. Minimum transfer 1,000 points. Full transfer-partner list requires pairing with Strata Premier/Elite. | Once a year | — |
Status and included memberships
- Mastercard ID Theft Protection — Complimentary Mastercard ID Theft Protection: monitors personal information you choose to protect and alerts you if suspicious activity is found. Enrollment required.
Questions people ask about the Citi Strata
What is the annual fee on the Citi Strata?
The Citi Strata has no annual fee.
What does the Citi Strata earn?
5x on travel(cititravel), 3x on grocery, 3x on gas, 3x on ev charging, and 1x on everything else, in Citi ThankYou Points.
Does the Citi Strata charge foreign transaction fees?
Yes — the Citi Strata charges a foreign transaction fee on purchases made outside the United States.
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