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. 
    William Charles
  • On July 30, 2025, 12:00
Tags: Citiciti stratastrata

View Comments (58)

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

  • 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

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

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

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

    • 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)

  • Just applied and was approved with a CL of $5800. I already have the Strata Premier and the Custom Cash. They pulled Experian.

  • Curious if I can downgrade my strata premier to the elite. Hoping to open the elite first for the SUB 30k (transfer to a partner) then downgrade my premier thus holding 2 elite cards.....

  • Does Citi do referral bonuses? I'd like to get this for both my wife and me, but I'm looking to sweeten the deal.

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