Citi Strata (No Annual Fee Card) Now Live

The Citi Strata no annual fee card is now live. This card replaces the Citi Rewards+. Card benefits are as follows:

  • No annual fee
  • 30,000 point sign up bonus after $1,000 in spend within the first 3 months 
  • Card earns at the following rates:
    • 5 points per dollar spent on Hotels, Car Rentals, and Attractions booked on cititravel.com
    • 3 points per dollar spent at Supermarkets
    • 3 points per dollar spent on Select Transit and at Gas & EV Charging Stations
    • 3 points per dollar spent on an eligible Self-Select Category of your choice
    • 2 points per dollar spent at Restaurants
    • 1 point per dollar spent on All Other Purchases

Not as useful as the rewards+ card as there is no 10% rebate on redeemed rewards. 

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62 Comments
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iamjimmy
iamjimmy (@guest_2112142)
August 4, 2025 15:41

Could someone please advise the cashback rate for points on this credit card? Is the 30,000 sign up bonus points worth $300 cashback or are they worth $225 or less? Thanks in advance.

CJ
CJ (@guest_2111766)
August 3, 2025 22:31

Was able to convert Strata to DC

CJ
CJ (@guest_2111756)
August 3, 2025 22:01

Was able to convert from Strata to DC

Citiwok
Citiwok (@guest_2110692)
August 1, 2025 16:59

Does Citi allow product conversion from Citi Strata to Custom cash?

Stefan
Stefan (@guest_2112288)
August 4, 2025 20:13

Among other things, it may depend on how many Custom Cash cards you already have. I already have two of them, and I’ve never yet heard of anyone having three of them to date.

And while initially I was thinking of converting, when I found out that it gives 3% back on certain streaming services, I decided to keep it as is for a while, given that I’m not sure what I can and would want to convert it to, because I already have, besides this card, a Citi Double Cash card and two Citi Custom Cash cards.

Jackie
Jackie (@guest_2109429)
July 31, 2025 11:41

Can you combine points with the new premier card like Chase can with freedom and preferred cards?

Mayor Humdinger
Mayor Humdinger (@guest_2109119)
July 30, 2025 19:09

No thanks

Eternal Blue
Eternal Blue (@guest_2109097)
July 30, 2025 18:31

The Self-Select 3% category defaults to Select Streaming Services. It can be changed once per quarter.

How to set the category on the Citi website:

  • hover over Rewards & Offers in header bar, select Citi Strata Card Benefits
  • under Highlights, select Self-Select Category
  • Choose your Self-Select Category

How to set the category in the Citi app:

  • Services in the footer bar
  • Rewards & Upgrades
  • Explore Rewards
  • Citi Strata Card-XXXX
  • under Highlights, select Self-Select Category
  • Choose you Self-Select Category
michigander
michigander (@guest_2109046)
July 30, 2025 17:02

will this be 1 cent per point if redeemed for cash back? or .75 cents per point like the other strata

Thanks
Thanks (@guest_2109141)
July 30, 2025 19:47

Also wondering this.. If so, can you transfer them to a double cash card and redeem at 1c?

Diaz
Diaz (@guest_2109033)
July 30, 2025 16:34

Looks like no additional benefits such as extended warranty?

Sloebrake
Sloebrake (@guest_2109555)
July 31, 2025 13:53

I didn’t see any. Supposedly Double Cash now offers a 24month warranty – so maybe product change into that?

Piotr
Piotr (@guest_2109022)
July 30, 2025 16:27

Can you still transfer to partners with the citi strata?

Pierre
Pierre (@guest_2109048)
July 30, 2025 17:09

yes, but at a worse rate than the Premier/Elite cards. Also you cannot transfer to AA but it works with other partners

(AA is 1000:700 with the plain Strata for 1:1 transfer partners, even more decreased values for non-1:1 partners like Emirates)