Citi Strata Card
A Citi Mastercard card with no annual fee. Here's what it pays back after that fee for three spending profiles, simulated month by month. Terms verified Oct 26, 2026.
What it's worth
5 years, the welcome offer counted when the profile's own spending reaches it, rewards valued as cash. Merchant credits like Uber or DoorDash aren't counted for typed profiles.
| Profile | Year 1 | Then yearly | 5 years |
|---|---|---|---|
| Everyday spender About $2,000 a month, mostly groceries and errands, one trip a year. | $311 | $211 | $1,153 |
| Balanced About $3,500 a month with a few trips a year and regular dining out. | $428 | $328 | $1,738 |
| Frequent traveler About $5,000 a month, heavy on flights, hotels and restaurants, some trips abroad. | $451 | $351 | $1,855 |
Your spending isn't one of our profiles. Drop in a year of statements and see where the Citi Strata ranks against every card we track. They're read on this device and never uploaded.
Terms
| Term | Citi Strata |
|---|---|
| Issuer and network | Citi, Mastercard |
| Annual fee | None |
| Requires | Nothing extra |
| Welcome offer | 20,000 points after $1,000 in 3 months |
| Earning | 5x on hotels, car rentals and attractions booked through Citi Travel · 3x at supermarkets · 3x at gas & EV charging stations and on select transit · 3x on your Self-Select Category: streaming, fitness clubs or live entertainment (changeable each quarter) · 2x at restaurants (including restaurant delivery) · 1x on everything else |
| Rewards currency | Citi ThankYou points |
| Statement credits | None |
| Lounges | None |
| Foreign transaction fee | 3% |
| Authorized users | No fee |
| Availability | Open to new applicants |
| Verified | Oct 26, 2026 |
Checked against the issuer's page. Dates and sources for each part.
Fine print
- The 3x Self-Select Category starts as Select Streaming Services. You can switch it once per calendar quarter (January-March, April-June, July-September, October-December) to Fitness Clubs, Live Entertainment, Cosmetic Stores/Barber Shops/Hair Salons or Pet Supply Stores at citi.com/selfselect or 1-800-842-6596. A change takes effect the next day at 12 AM CT.
- Live Entertainment covers tickets for concerts, live sports, theater, amusement parks and orchestras, but not movie theaters, museums, tourist attractions, golf courses or country clubs. Pet Supply Stores exclude pet supplies bought at drugstores, supermarkets, warehouse clubs and superstores.
- On its own, this card transfers ThankYou Points at reduced ratios (thankyou.com, Oct 2026): 1,000 points become 700 miles with American AAdvantage, JetBlue, Virgin Atlantic, Cathay, EVA, Flying Blue, Qatar, Singapore, Turkish, Wyndham and most others. Choice is 1,000:1,050, Emirates 1,000:560 and Accor 1,000:350. Strata Premier and Strata Elite cardmembers get the full 1,000:1,000 ratios.
- Cash-out: Citi's points-value tool at thankyou.com prices Strata points at 0.5 cent each as statement credit, direct deposit or check (5,000 points = $25). They are worth 1 cent for gift cards, Citi Travel and charity, and 0.8 cent for Shop with Points and Pay with Points.
- No annual fee and no authorized user fee. 3% foreign transaction fee.
History
We started tracking this card's terms on Oct 20, 2026. When Citi changes them, what changed and what it does to each of our households will show here. Every card's changes.