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The Citi Rewards+® Card is out, and the Citi Strata℠ Card (Rates & Fees) is in. Beyond the new name and a fresh coat of paint (literally), this no-annual-fee card is getting a major overhaul. And many of the changes are kicking in on July 20, 2025.
Here’s a breakdown of what’s changing with the Citi Rewards+, for better and for worse.
What's Changing With the Citi Rewards+?
The Citi Rewards+ was officially discontinued on July 20, 2025 — the same day the Citi Strata Card changes take effect. According to Citi, all existing Citi Rewards+ cardholders were automatically be transitioned to the new Citi Strata℠ Card.
The Citi Rewards+ was due for a refresh, and it's getting a big one. In an email to cardholders, Citi outlined several upcoming changes to its no-annual-fee ThankYou® Rewards-earning card. Some of them add value, while others take it away.
So, what exactly is changing? Here's a high-level overview:
- Earning rates: The new card will be much more rewarding for a broader range of purchases, thanks to expanded bonus categories.
- Citi Rewards+: 2X points at supermarkets and gas stations (up to $6,000/year), then 1X on all other purchases
- Citi Strata Card: 5X on Citi Travel℠ bookings (including hotels, car rentals, and attractions); 3X on supermarkets, gas and EV charging stations, select transit, and one self-selected category (choose from fitness clubs, select streaming services, live entertainment, cosmetic stores/barber shops/hair salons, or pet supply stores); 2X at restaurants; 1X on everything else
- Eliminated benefits: Two key Citi Rewards+ perks will not be available to Citi Strata Card cardholders:
- The automatic round-up to the nearest 10 points on purchases
- 10% points rebate on the first 100,000 ThankYou Points redeemed each calendar year
- New name: The card is getting a rebrand from “Citi Rewards+® Card” to the “Citi Strata℠ Card.”
- New design: A new look is coming, too. The Citi Strata Card will feature a white finish with silver trim.
- 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 19.24% - 29.24%, 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
As for what’s not changing, the card will remain a no-annual-fee product. And it'll continue offering access to Citi ThankYou partners, although the transfer rates for cardholders without a premium card (that charges an annual fee) have been reduced as of July 27, 2025.
Citi Credit Cards Which Complement Citi Strata Card
If you're open to holding more than one Citi credit card to maximize your ThankYou points, there are two great options to consider.
- 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.
- 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
Both cards open up full access to Citi's transfer partners at the best available transfer ratios and come with top-notch earning rates on popular spending categories.
Final Thoughts
The Citi Strata Card is replacing the Citi Rewards+, and the changes are a bit of a mixed bag. The new version offers more rewarding earning rates across a broader range of categories, but it will lose two lucrative perks: the 10% points rebate and the automatic round-up feature.
If you're a current Citi Rewards+ cardholder, you can continue using your existing benefits until July 20, 2025. On that date, your account will be transitioned to the Citi Strata Card. For prospective applicants, the new card opened for applications on July 27, 2025.
- 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 19.24% - 29.24%, 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 Elite℠ Card (Rates & Fees), and Citi Strata Premier® Card (Rates & Fees)
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