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In July 2025, the Citi Rewards+® Card was officially discontinued, and the new Citi Strata℠ Card (Rates & Fees) took its place. This was a welcome refresh on this no-annual-fee card. Along with the card launch came higher earning rates, expanded bonus categories, better access to transfer partners, and a sleek new look.
While we lost perks like a points roundup and a 10% annual points rebate, the $0 annual fee Citi Strata Card offers a distinct feature: the ability to choose your own 3X earning category.
Let's take a look at how this unique self-select feature works.
- For a limited time, earn 30,000 bonus Points after spending $1,000 in the first 3 months of account opening.
- 0% Intro APR on balance transfers and purchases for 15 months; after that, the variable APR will be 18.74% - 28.74%, based on your creditworthiness. There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).
- Earn 3 ThankYou® Points for each $1 spent in an eligible Self-Select Category of your choice (Fitness Clubs, Select Streaming Services, Live Entertainment, Cosmetic Stores/Barber Shops/Hair Salons, or Pet Supply Stores). Choose your eligible Self-Select Category on Citi Online or by calling customer service. The default Self-Select Category is Select Streaming Services.
- Earn 5 ThankYou® Points for each $1 spent on Hotels, Car Rentals and Attractions booked on Citi Travel® via cititravel.com; earn 3 ThankYou Points for each $1 spent at Supermarkets, on Select Transit purchases, and at Gas & EV Charging Stations.
- Earn 2 ThankYou® Points for each $1 spent at Restaurants; earn 1 ThankYou® Point for each $1 spent on All Other Purchases.
- No Annual Fee
- 5X – Earn 5 ThankYou® Points for each $1 spent on Hotels, Car Rentals and Attractions booked on Citi Travel℠ via cititravel.com
- 3X – Earn 3 ThankYou® Points for each $1 spent in an eligible Self-Select Category of your choice (Fitness Clubs, Select Streaming Services, Live Entertainment, Cosmetic Stores/Barber Shops/Hair Salons, or Pet Supply Stores). Choose your eligible Self-Select Category on Citi Online or by calling customer service. The default Self-Select Category is Select Streaming Services.
- 3X – Earn 3 ThankYou® Points per $1 spent at Supermarkets
- 3X – Earn 3 ThankYou® Points per $1 spent on Select Transit purchases
- 3X – Earn 3 ThankYou® Points per $1 spent at Gas and EV Charging Stations
- 2X – Earn 2 ThankYou® Points per $1 spent at Restaurants
- 1X – Earn 1 ThankYou® Point per $1 spent on All Other Purchases
Page Contents
What is the Citi Strata Card Self-Select Category?
The self-select category on the Citi Strata Card allows you to earn 3X Citi ThankYou® Rewards Points on purchases in one category of your choice, selected from five eligible categories. The feature gives you the flexibility to choose which category best fits your spending, allowing you to maximize your points back on the purchases you make most often.
The five eligible categories are:
- Fitness Clubs
- Select Streaming Services
- Live Entertainment
- Cosmetic Stores/Barber Shops/Hair Salons
- Pet Supply Stores
Once you've chosen your category, you will earn 3X on all spending (in that category) that you put on your Citi Strata Card. There is no spending cap or limit to the amount of points you can earn in your self-select category.
Related: Citi Strata℠ Card Full Review
How to Change Your Citi Strata Card Self-Select Category
As a new cardholder, the default category is Select Streaming Services. If this fits your spending best, there is nothing you need to do. However, if another category is a better fit, it's an easy change to make.
First, log in to your Citi account, then click on Rewards & Offers, and choose Citi Strata Card Benefits.
On the next screen, click on 3X Self-Select Category. Alternatively, you can go directly to the Citi self-select website.
From here, you will be shown your current category and the other available categories. To change your category, click the blue Change Category button.
Next, click on the category of your choosing, then click Save.
You'll be shown a confirmation pop-up. Click Save Changes.
Finally, your choice will be confirmed, and you can see your new 3X category listed at the top of the page.
Other Self-Select Category Rules to Know
Changing your Citi Strata Card 3X category is pretty straightforward, but there are a few things to keep in mind about this feature.
First, you can change your self-select category once each calendar quarter, meaning January-March, April-June, July-September, and October-December. When you get to the confirmation pop-up during your category change, it includes the date that you'll next be able to make a change.
Second, the category change goes into effect the following day at 12:00 am Central Time. You can see this noted in the screenshot above from when I changed my category to Select Streaming Services.
Lastly, there is no need to reselect categories each quarter. Your chosen category will automatically carry over unless you make a change.
Other Citi Strata Card Spending Categories
As we mentioned above, the Citi Strata Card launch came with expanded spending categories. Not only are you able to choose a 3X category, but you're now able to earn a higher return on many other popular categories.
- 5X – Earn 5 ThankYou® Points for each $1 spent on Hotels, Car Rentals and Attractions booked on Citi Travel℠ via cititravel.com
- 3X – Earn 3 ThankYou® Points for each $1 spent in an eligible Self-Select Category of your choice (Fitness Clubs, Select Streaming Services, Live Entertainment, Cosmetic Stores/Barber Shops/Hair Salons, or Pet Supply Stores). Choose your eligible Self-Select Category on Citi Online or by calling customer service. The default Self-Select Category is Select Streaming Services.
- 3X – Earn 3 ThankYou® Points per $1 spent at Supermarkets
- 3X – Earn 3 ThankYou® Points per $1 spent on Select Transit purchases
- 3X – Earn 3 ThankYou® Points per $1 spent at Gas and EV Charging Stations
- 2X – Earn 2 ThankYou® Points per $1 spent at Restaurants
- 1X – Earn 1 ThankYou® Point per $1 spent on All Other Purchases
These new, expanded categories make this card a great no-fee option. When paired with one of Citi's premium cards, like the Citi Strata Premier® Card (Rates & Fees) or the Citi Strata Elite℠ Card (Rates & Fees), you can get maximum value for your points by using them with Citi's 21 hotel and airline transfer partners.
- 10X on Hotels, Car Rentals, and Attractions booked through CitiTravel.com
- 3X – Earn 3 Points per $1 spent on Air Travel and Other Hotel Purchases
- 3X – Earn 3 Points per $1 spent on Restaurants
- 3X – Earn 3 Points per $1 spent on Supermarkets
- 3X – Earn 3 Points per $1 spent on Gas and EV Charging Stations
- 1X – Earn 1 Point per $1 spent on All Other Purchases
- 12X – Earn 12 Points per $1 spent on Hotels, Car Rentals, and Attractions booked on cititravel.com.
- 6X – Earn 6 Points per $1 spent on Air Travel booked on cititravel.com.
- 6X – Earn 6 Points per $1 spent at Restaurants including Restaurant Delivery Services on CitiNights℠ purchases, every Friday and Saturday from 6 PM to 6 AM ET. Earn 3 Points per $1 spent any other time.
- 1.5X – Earn 1.5 Points per $1 spent on All Other Purchases.
Related: 5X on Top Category, 3X on Travel and Food, 2X on Everything Else: The Citi ThankYou Rewards Trifecta
Wrapping Up
The Citi Strata Card relaunch was a welcome and much-needed refresh on a stagnant card, and its unique self-select category feature is a fun new benefit. It allows you to get more from your everyday spending, ensuring maximum returns on the things you purchase most often.
And if you're not yet a Citi Strata Card holder, it's a great time to apply. New applicants can earn 30,000 bonus points after spending $1,000 in the first 3 months of account opening.
- For a limited time, earn 30,000 bonus Points after spending $1,000 in the first 3 months of account opening.
- 0% Intro APR on balance transfers and purchases for 15 months; after that, the variable APR will be 18.74% - 28.74%, based on your creditworthiness. There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).
- Earn 3 ThankYou® Points for each $1 spent in an eligible Self-Select Category of your choice (Fitness Clubs, Select Streaming Services, Live Entertainment, Cosmetic Stores/Barber Shops/Hair Salons, or Pet Supply Stores). Choose your eligible Self-Select Category on Citi Online or by calling customer service. The default Self-Select Category is Select Streaming Services.
- Earn 5 ThankYou® Points for each $1 spent on Hotels, Car Rentals and Attractions booked on Citi Travel® via cititravel.com; earn 3 ThankYou Points for each $1 spent at Supermarkets, on Select Transit purchases, and at Gas & EV Charging Stations.
- Earn 2 ThankYou® Points for each $1 spent at Restaurants; earn 1 ThankYou® Point for each $1 spent on All Other Purchases.
- No Annual Fee
- 5X – Earn 5 ThankYou® Points for each $1 spent on Hotels, Car Rentals and Attractions booked on Citi Travel℠ via cititravel.com
- 3X – Earn 3 ThankYou® Points for each $1 spent in an eligible Self-Select Category of your choice (Fitness Clubs, Select Streaming Services, Live Entertainment, Cosmetic Stores/Barber Shops/Hair Salons, or Pet Supply Stores). Choose your eligible Self-Select Category on Citi Online or by calling customer service. The default Self-Select Category is Select Streaming Services.
- 3X – Earn 3 ThankYou® Points per $1 spent at Supermarkets
- 3X – Earn 3 ThankYou® Points per $1 spent on Select Transit purchases
- 3X – Earn 3 ThankYou® Points per $1 spent at Gas and EV Charging Stations
- 2X – Earn 2 ThankYou® Points per $1 spent at Restaurants
- 1X – Earn 1 ThankYou® Point per $1 spent on All Other Purchases
For rates and fees of the cards mentioned in this post, please visit the following links: Citi Strata℠ Card (Rates & Fees), Citi Strata Premier® Card (Rates & Fees), and Citi Strata Elite℠ Card (Rates & Fees)
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