Citi
Citi Strata
Citi Strata costs No annual fee and earns up to 3× on groceries. Everything below comes from the card catalog we check against issuer terms, with the arithmetic spelled out.
Enter a typical month of spending to see what the Citi Strata returns after its fee next to three cards it is usually compared with, then take those numbers to the full credit card rewards calculator to weigh up everything else in your wallet. No signup, and it runs in your browser.
- Annual fee
- No annual fee
- Best earn rate
- 3× groceries
- Points value
- 1.8500000000000003¢ a point
- Used when you transfer to a travel partner. Cash back is worth 1¢.
- Welcome bonus
- 30,000 points
- About $555 if you redeem at 1.8500000000000003¢ a point, and only if you clear the spending requirement.
- Foreign transaction fee
- 3%
What the Citi Strata earns
Hotels and rental cars through the issuer's travel site
5×
Only through the issuer's portal
U.S. supermarkets
3×
Gas and EV charging
3×
Transit and rideshare
3×
Dining
2×
| Category | Rate | Conditions |
|---|---|---|
| Hotels and rental cars through the issuer's travel site | 5× | Only through the issuer's portal |
| U.S. supermarkets | 3× | |
| Gas and EV charging | 3× | |
| Transit and rideshare | 3× | |
| Dining | 2× |
Rates checked with the issuer in October 2026. Spending outside these categories earns 1×. Confirm current terms with the issuer before you apply.
Is the Citi Strata right for you?
Enter a typical month. You will see what the Citi Strata returns after its annual fee, next to three cards it is usually compared with, and the full credit card rewards calculator weighs up everything else you spend.
Estimated rewards per year, after the annual fee
Citi Strata Premier Top for your numbers
3× dining, 3× groceries; 1× everything else. $95 annual fee.
Rewards $983 · Fee −$95
+$888
+$828
+$376
+$234
How we estimate
- Every rate on this page comes from the card catalog. Citi Strata pays 1× on spending outside the bonus categories listed above, and up to 3× on groceries.
- We value this card's points at 1.8500000000000003¢ each. Cash back is valued at 1¢.
- Net is a year of rewards minus the annual fee. Credits count only when you tick the box.
- Welcome bonuses are left out of the tool so the numbers read as an ordinary year.
- Rent is not in the boxes: most landlords charge a fee that cancels out the rewards, and only a few cards earn on rent at all. Add rent in the full calculator, where those rules are modelled.
- Travel-portal bookings are not in the boxes, because portal prices differ from booking direct. The portal rates are in the table above.
- Rates checked with issuers in October 2026. Terms change, so confirm with the issuer before you apply. Educational estimate, not financial advice.
One category doesn’t pick a wallet. Add the rest of your monthly spending to see which cards win across everything, fees included.
Find your best wallet for all your spending →{"focus":"","inputs":[{"key":"dining","prefill":"dining","noun":"dining"},{"key":"groceries","prefill":"groceries","noun":"groceries"},{"key":"gas","prefill":"gas","noun":"gas"},{"key":"transit","prefill":"transit","noun":"transit"},{"key":"streaming","prefill":"streaming","noun":"streaming"},{"key":"drugstores","prefill":"drugstores","noun":"drugstores"},{"key":"travel","prefill":"airfare","noun":"travel"},{"key":"other","prefill":"other","noun":"everyday spending"}],"path":"/credit-card-rewards-calculator","picks":[{"key":"citi-strata","name":"Citi Strata","fee":0,"cpp":0.018500000000000003,"base":1,"earn":[{"inputs":["dining"],"rate":2},{"inputs":["groceries"],"rate":3},{"inputs":["gas"],"rate":3},{"inputs":["transit"],"rate":3}]},{"key":"citi-strata-premier","name":"Citi Strata Premier","fee":95,"cpp":0.018500000000000003,"base":1,"earn":[{"inputs":["dining"],"rate":3},{"inputs":["groceries"],"rate":3},{"inputs":["gas"],"rate":3},{"inputs":["transit"],"rate":3},{"inputs":["travel"],"rate":3}]},{"key":"citi-strata-elite","name":"Citi Strata Elite","fee":595,"cpp":0.018500000000000003,"base":1.5,"earn":[{"inputs":["dining"],"rate":3}],"credits":500},{"key":"bank-of-america-travel-rewards","name":"Bank of America Travel Rewards","fee":0,"cpp":0.01,"base":1.5}]}What comes with it
Welcome bonus
30,000 points
About $555 if you redeem at 1.8500000000000003¢ a point, and only if you clear the spending requirement.
Points and partners
Citi ThankYou
Transferable to airline and hotel partners.
Airlines
Aeromexico, Air France-KLM, Avianca, Cathay Pacific, Emirates (1000:800), Etihad, EVA Air, JetBlue, Qantas, Qatar Airways, Singapore, Thai Airways, Turkish Airlines, Virgin Atlantichttps://thriftytraveler.com/guides/points/credit-card-transfer-partners/#:~:text=Program%20Type%20Transfer%20Ratio%20Transfer,Instant%20Accor%20Hotel%201%2C000%3A500%20TBD
Hotels
Accor (1000:500), Choice (1:2), Wyndham, Leading Hotels of the World, Preferred Hotelshttps://thriftytraveler.com/guides/points/credit-card-transfer-partners/#:~:text=Program%20Type%20Transfer%20Ratio%20Transfer,Instant%20Accor%20Hotel%201%2C000%3A500%20TBD
Where this data came from
Checked citi.com 2026-10-05. $0 annual fee. 5x points on hotels, car rentals and attractions booked through Citi Travel; 3x at supermarkets; 3x on select transit and at gas and EV charging stations; 3x in one self-select category, which defaults to select streaming and can be changed quarterly; 2x at restaurants; 1x other. 3% foreign transaction fee. The row's credit text claimed there were no foreign transaction fees, which contradicted its own fee field.
FAQ
The Citi Strata has no annual fee, so the only thing that matters is what it earns. Its best rate is 3× on groceries.
3× on groceries, and 1× on spending outside its bonus categories.
It depends on your mix, not the card. Earning back $0 means about $0 a month on groceries, where it earns 3.7000000000000006¢ more per dollar than the base rate. Credits and the welcome bonus can cover the rest. Run your own numbers in the calculator above to see where it lands against the rest of the catalog.
The listed welcome offer is 30,000 points, and offers at these cards change often, so confirm the current terms and the spending requirement with the issuer before you apply. At 1.8500000000000003¢ a point that is about $555, before you count the annual fee and whether you would clear the spending requirement for it.
Yes. It earns Citi ThankYou, which you can transfer to the partners below. Airlines: Aeromexico, Air France-KLM, Avianca, Cathay Pacific, Emirates (1000:800), Etihad, EVA Air, JetBlue, Qantas, Qatar Airways, Singapore, Thai Airways, Turkish Airlines, Virgin Atlantichttps://thriftytraveler.com/guides/points/credit-card-transfer-partners/#:~:text=Program%20Type%20Transfer%20Ratio%20Transfer,Instant%20Accor%20Hotel%201%2C000%3A500%20TBD. Hotels: Accor (1000:500), Choice (1:2), Wyndham, Leading Hotels of the World, Preferred Hotelshttps://thriftytraveler.com/guides/points/credit-card-transfer-partners/#:~:text=Program%20Type%20Transfer%20Ratio%20Transfer,Instant%20Accor%20Hotel%201%2C000%3A500%20TBD. Transfers are what make a 1.8500000000000003¢ valuation reachable; using the points for cash back is worth far less.
Yes: 3% on purchases made abroad, on top of anything the merchant charges. On a Citi Strata that can wipe out the bonus rates, so check the numbers before you rely on it overseas.