Citi Strata℠ Card: Everyday Rewards, Made Simple

Earn flexible points on everyday spending — without complicated rules.

The Citi Strata℠ Card (formerly Citi Rewards+®) is built for consumers who want a rewards credit card that fits seamlessly into everyday life. Rather than focusing on luxury perks or complex earning mechanics, this card prioritizes categories that reflect real spending habits. Groceries, gas or EV charging, dining, and transit are common expenses for most households, and this card rewards those purchases consistently.

What makes the Citi Strata℠ Card especially appealing is its balance of structure and flexibility. Cardholders earn elevated points in key categories while also choosing a Self-Select Category that aligns with their lifestyle. Combined with no annual fee and access to the Citi ThankYou® Rewards ecosystem, the card offers a straightforward way to earn and redeem points without constant tracking or adjustments.

Key Benefits and Earning Structure

The Citi Strata℠ Card offers a rewards system designed to be both attractive and easy to understand.

• 3X ThankYou® Points at Supermarkets, Gas Stations, EV Charging, and Select Transit
  Cardholders earn 3 points per dollar on everyday categories that represent a significant portion of monthly spending, making rewards accumulate faster without changing habits.
• 3X Points in One Self-Select Category
  Users can choose an eligible category that best fits their lifestyle — such as live entertainment, fitness clubs, streaming services, or other options offered by Citi — allowing rewards to adapt to personal spending patterns.
• 2X ThankYou® Points at Restaurants
  Dining purchases earn additional points, whether you’re grabbing takeout or eating out regularly.
• 1X Point on All Other Purchases
  All other eligible spending continues to earn points, ensuring nothing goes unrewarded.
• Citi ThankYou® Rewards Program
  Points can be redeemed in multiple ways, including travel bookings, gift cards, statement credits, and other redemption options available through the ThankYou® platform.
• No Annual Fee
  The card has a $0 annual fee, which means all points earned translate directly into value with no yearly cost to offset.

Rates, Fees, and Cost Overview

Below is a clear and objective summary of the cost structure, based on official Citi disclosures.

Category	Details
Annual Fee	$0
Introductory APR	May apply for a limited time on purchases and balance transfers
Ongoing APR	Variable APR applies after any intro period
Balance Transfer Fee	Typically applies
Cash Advance APR	Higher variable APR
Foreign Transaction Fee	May apply
Late Payment Fee	May apply

Terms, rates, and fees are subject to change. Always review the most current information on the official Citi website before applying.

How the Citi Strata℠ Card Compares to Similar Cards

Within the no-annual-fee rewards category, the Citi Strata℠ Card positions itself as a strong everyday option.

• Compared to rotating-category cards
  Rotating cards may offer higher temporary bonuses, but they require activation and tracking. Citi Strata℠ avoids this by rewarding stable, everyday categories year-round.
• Compared to flat-rate cards
  Flat-rate cards are simple but lack bonus earning. Citi Strata℠ provides higher earning potential in key spending areas while remaining easy to manage.
• Compared to premium travel cards
  Premium cards often include annual fees and travel perks. Citi Strata℠ focuses instead on everyday rewards and accessibility.

Requirements and How to Apply

Applying for the Citi Strata℠ Card is handled entirely online.

Basic Eligibility Requirements

• Be at least 18 years old
• Have a valid U.S. address
• Provide a Social Security Number or ITIN
• Typically requires fair to good credit or higher

Application Steps

1. Visit the official Citi Strata℠ Card page
2. Review current offers and terms
3. Complete the online application
4. Submit your information
5. Receive a decision (instant or after review)

Frequently Asked Questions (FAQ)

• Does the Citi Strata℠ Card charge an annual fee?
  No. The card has a $0 annual fee.
• How do Citi ThankYou® Points work?
  Points can be redeemed for travel, gift cards, statement credits, and other options within the ThankYou® Rewards program.
• Is the Citi Strata℠ Card good for everyday spending?
  Yes. It is designed to reward common purchases like groceries, dining, gas, transit, and selected lifestyle categories.
• Do I need to activate bonus categories?
  No. The card does not use rotating or quarterly categories.
• Is this card better for rewards beginners or advanced users?
  It works well for both, especially for users who value simplicity and consistent earning.

Final Thoughts: Is the Citi Strata℠ Card Worth It?

The Citi Strata℠ Card stands out by offering a clear and practical rewards structure focused on everyday spending. With up to 3X points in multiple categories, a customizable Self-Select Category, no annual fee, and flexible ThankYou® Rewards redemptions, it delivers meaningful value without complexity.

For consumers who want a rewards card that adapts to daily habits instead of forcing new ones, the Citi Strata℠ Card offers a balanced, accessible, and dependable solution — making it a strong choice for long-term everyday use.