{"id":220342,"date":"2025-07-31T22:00:00","date_gmt":"2025-07-31T22:00:00","guid":{"rendered":"https:\/\/awardwallet.com\/blog\/?p=220342\/"},"modified":"2026-04-08T14:19:38","modified_gmt":"2026-04-08T14:19:38","slug":"citi-strata-card-offer","status":"publish","type":"post","link":"https:\/\/awardwallet.com\/credit-cards\/citi-thankyou-rewards\/citi-strata-card-offer\/","title":{"rendered":"Earn 20k Points With the No-Annual-Fee Citi Strata\u2120 Card \u2014 Plus up to 5X Points on Spending"},"content":{"rendered":"<p>You might\u2019ve missed it, but on the same day Citi launched its brand new premium travel rewards card, it also relaunched the <strong>Citi Rewards+<sup>\u00ae<\/sup> Card<\/strong> as the <a data-ccid=\"241\" href=\"\/blog\/link\/CitiStrataCard\" rel=\"noopener nofollow sponsored\">Citi Strata\u2120 Card<\/a> (<a data-ccid=\"241\" href=\"https:\/\/click.linksynergy.com\/fs-bin\/click?id=a3pDkecFgAg&offerid=1960645.4297&type=3&subid=0\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a>).<\/p>\n<p>To put it simply, the Citi Strata Card is worth your attention if you care about earning ThankYou<sup>\u00ae<\/sup> Points \u2014 not just for the welcome bonus, but also because of the long-term value it offers. Here\u2019s why.<\/p>\n<div class=\"qs-card\" data-id=\"241\">\n            <div class=\"qs-data\">\n                <div class=\"qs-view\">\n                    <div class=\"qs-cardname\">Citi Strata\u2120 Card<\/div>\n                    <div class=\"qs-image\"><img data-aspectratio=\"150\/94\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-src=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2025\/07\/CardArt-CitiStrataCard.png\" width=\"150\" alt=\"Citi Strata\u2120 Card\" \/ class=\"lazyload\"><\/div>\n                    <div class=\"qs-apply\"><a class=\"btn-use qs-apply-now\" title='Citi Strata\u2120 Card' data-ccid=\"241\" href=\"\/blog\/link\/CitiStrataCard\" target=\"_blank\" rel=\"noopener nofollow sponsored\">Apply Now<\/a><\/div>\n                    <div class=\"qs-rates\"><span class=\"qs-terms\"><a data-ccid=\"241\" href=\"https:\/\/click.linksynergy.com\/fs-bin\/click?id=a3pDkecFgAg&offerid=1960645.4297&type=3&subid=0\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a><\/span><\/div>\n                    <div class=\"qs-offer\"><strong>Welcome Bonus<\/strong> Earn 20,000 bonus Points after spending $1,000 in the first 3 months of account opening.<\/div>\n                <\/div>\n                <div class=\"qs-info\">\n                    <strong class=\"qs-cardname\">Citi Strata\u2120 Card<\/strong>\n                    <div class=\"qs-offer\"><strong>Welcome Bonus<\/strong> Earn 20,000 bonus Points after spending $1,000 in the first 3 months of account opening.<\/div>\n                    <div class=\"qs-fee\"><strong>Annual Fee:<\/strong><b>$0<\/b><\/div>\n                    <div class=\"qs-tabs\"><a class=\"qs-more\" href=\"#more\">Show more<\/a><a href=\"\" data-tab=\"wwl\">Why We Like It<\/a><a href=\"\" data-tab=\"hl\">Highlights<\/a><a href=\"\" data-tab=\"er\">Earning Rates<\/a><div class=\"qs-tab-wwl\">The Citi Strata\u2120 Card is one of the most rewarding no-annual-fee cards on the market, thanks to its impressive combination of flexible bonus categories and solid everyday earning. Cardholders can earn elevated points in popular categories like gas stations, supermarkets, EV charging, streaming, and even fitness clubs\u2014making it easy to rack up rewards on routine spending without paying an annual fee.<\/div><div class=\"qs-tab-hl\"><ul>\r\n<li>Earn 20,000 bonus Points after spending $1,000 in the first 3 months of account opening.<\/li>\r\n<li>0% Intro APR on balance transfers and purchases for 15 months; after that, the variable APR will be 18.49% - 28.49%, 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).<\/li>\r\n<li>Earn 3 ThankYou<sup>\u00ae<\/sup> 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.<\/li>\r\n<li>Earn 5 ThankYou<sup>\u00ae<\/sup> Points for each $1 spent on Hotels, Car Rentals and Attractions booked on Citi Travel<sup>\u00ae<\/sup> via cititravel.com; earn 3 ThankYou Points for each $1 spent at Supermarkets, on Select Transit purchases, and at Gas & EV Charging Stations.<\/li>\r\n<li>Earn 2 ThankYou<sup>\u00ae<\/sup> Points for each $1 spent at Restaurants; earn 1 ThankYou<sup>\u00ae<\/sup> Point for each $1 spent on All Other Purchases.<\/li>\r\n<li>No Annual Fee<\/li>\r\n<\/ul> <\/div><div class=\"qs-tab-er\"><ul>\r\n  <li>5X \u2013 Earn 5 ThankYou<sup>\u00ae<\/sup> Points for each $1 spent on Hotels, Car Rentals and Attractions booked on Citi Travel\u2120 via cititravel.com<\/li>\r\n  <li>3X \u2013 Earn 3 ThankYou<sup>\u00ae<\/sup> 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.<\/li>\r\n  <li>3X \u2013 Earn 3 ThankYou<sup>\u00ae<\/sup> Points per $1 spent at Supermarkets<\/li>\r\n  <li>3X \u2013 Earn 3 ThankYou<sup>\u00ae<\/sup> Points per $1 spent on Select Transit purchases<\/li>\r\n  <li>3X \u2013 Earn 3 ThankYou<sup>\u00ae<\/sup> Points per $1 spent at Gas and EV Charging Stations<\/li>\r\n  <li>2X \u2013 Earn 2 ThankYou<sup>\u00ae<\/sup> Points per $1 spent at Restaurants<\/li>\r\n  <li>1X \u2013 Earn 1 ThankYou<sup>\u00ae<\/sup> Point per $1 spent on All Other Purchases<\/li>\r\n<\/ul><\/div><\/div>\n                <\/div>\n            <\/div>\n            <a class=\"qs-share\" href=\"\/find-a-card\/CitiStrata\/\" title=\"copy\"><svg width=\"12\" height=\"16\" viewBox=\"0 0 12 16\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><use href=\"https:\/\/awardwallet.com\/blog\/wp-content\/themes\/awardwallet\/public\/builds\/icon\/icon-sprite.svg?v2026-4-237fc09228#share-square\" fill=\"currentColor\"><\/use><\/svg><\/a>\n        <\/div>\n<div id=\"toc_container\" class=\"toc_light_blue no_bullets\"><p class=\"toc_title\">Page Contents<\/p><ul class=\"toc_list\"><li><a href=\"#Earn_20000_Points_With_the_Citi_Strata_Card\">Earn 20,000 Points With the Citi Strata Card<\/a><ul><li><a href=\"#What_are_Citi_ThankYou_Points_worth\">What are Citi ThankYou Points worth?<\/a><\/li><\/ul><\/li><li><a href=\"#Why_Get_the_Citi_Strata_Card\">Why Get the Citi Strata Card?<\/a><ul><li><a href=\"#How_is_the_Citi_Strata_Card_different_from_the_Citi_Rewards\">How is the Citi Strata Card different from the Citi Rewards+?<\/a><\/li><\/ul><\/li><li><a href=\"#Citi_Strata_Card_Application_Rules_and_Restrictions\">Citi Strata Card Application Rules and Restrictions<\/a><\/li><li><a href=\"#Bottom_Line\">Bottom Line<\/a><\/li><\/ul><\/div>\n\n<h2><span id=\"Earn_20000_Points_With_the_Citi_Strata_Card\">Earn 20,000 Points With the Citi Strata Card<\/span><\/h2>\n<p>The <a data-ccid=\"241\" href=\"\/blog\/link\/CitiStrataCard\" rel=\"noopener nofollow sponsored\">Citi Strata Card<\/a> is a no-annual-fee product, and that's part of what makes its welcome bonus so impressive. Eligible new applicants can take advantage of the following offer: Earn 20,000 bonus Points after spending $1,000 in the first 3 months of account opening.<\/p>\n<figure id=\"attachment_220348\" class=\"wp-caption aligncenter\"><img data-aspectratio=\"600\/480\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" class=\"wp-image-220348 lazyload\" data-src=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2025\/07\/Italy-Featured-Samuel-Ferrara-Header.png\" alt=\"Tonnara di Scopello, Scopello, Castellammare del Golfo, Italy\" width=\"600\" height=\"480\" data-srcset=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2025\/07\/Italy-Featured-Samuel-Ferrara-Header.png 1000w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2025\/07\/Italy-Featured-Samuel-Ferrara-Header-300x240.png 300w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2025\/07\/Italy-Featured-Samuel-Ferrara-Header-768x614.png 768w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2025\/07\/Italy-Featured-Samuel-Ferrara-Header-325x260.png 325w\" sizes=\"(max-width: 600px) 100vw, 600px\" \/><center><em>Credit: Samuel Ferrara\/Unsplash<\/em><\/enter><\/figure>\n<p>Another part of the Citi Strata Card&#8216;s welcome bonus is an opportunity to save on interest with a low introductory annual percentage rate (APR). A 0% intro APR applies on balance transfers and purchases for 15 months; after that, the Variable APR will be 18.49% - 28.49%, based on your creditworthiness.<\/p>\n<p>There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening; after a 5% fee ($5 minimum) applies.<\/p>\n<h3><span id=\"What_are_Citi_ThankYou_Points_worth\">What are Citi ThankYou Points worth?<\/span><\/h3>\n<p>Based on recent AwardWallet user redemptions, <a target=\"_blank\" href=\"\/point-mile-values\/Citi\" rel=\"noopener\">Citi ThankYou<sup>\u00ae<\/sup> Points are worth 2.3\u00a2 each<\/a>. That makes the 20,000-point welcome bonus on the <a data-ccid=\"241\" href=\"\/blog\/link\/CitiStrataCard\" rel=\"noopener nofollow sponsored\">Citi Strata Card<\/a> worth $560. But there\u2019s a big catch.<\/p>\n<p>Unless you have a Citi ThankYou Points-earning card that carries an annual fee \u2014 such as the <a data-ccid=\"520083\" href=\"\/blog\/link\/CR-CitiPremierCard\" rel=\"noopener nofollow sponsored\">Citi Strata Premier<sup>\u00ae<\/sup> Card<\/a> (<a data-ccid=\"520083\" href=\"https:\/\/click.linksynergy.com\/fs-bin\/click?id=a3pDkecFgAg&offerid=1978593.4328&type=3&subid=0\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a>), <a data-ccid=\"242\" href=\"\/blog\/link\/CitiStrataElite?var2=ccid~242\" rel=\"noopener nofollow sponsored\">Citi Strata Elite\u2120 Card<\/a> (<a data-ccid=\"242\" href=\"https:\/\/click.linksynergy.com\/fs-bin\/click?id=a3pDkecFgAg&offerid=1978593.4347&type=3&subid=0\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a>), or the<strong> Citi Prestige<sup>\u00ae<\/sup> Card<\/strong> (no longer open to new applicants) \u2014 your redemptions are limited in two key ways:<\/p>\n<ul>\n<li>You can't transfer to partners at 1:1 ratios. Instead, most transfers only get you 700 partner points or miles for every 1,000 Citi Points you convert (though there are exceptions).<\/li>\n<li>You cannot <a target=\"_blank\" href=\"\/airlines\/american-aadvantage\/transfer-partners\/\" rel=\"noopener\">transfer points to American Airlines AAdvantage<\/a>.<\/li>\n<\/ul>\n<p>The outsized value of Citi ThankYou Points comes from its <a target=\"_blank\" href=\"\/credit-cards\/citi-thankyou-rewards\/citi-transfer-partners\/\" rel=\"noopener\">transfer partners<\/a>. So, it makes a lot of sense to pair the Citi Strata Card with another card that unlocks full 1:1 conversions and American Airlines as a transfer option. That\u2019s how you\u2019ll tap into the full $560 potential of the 20,000 bonus points.<\/p>\n<p><strong>Related: <a target=\"_blank\" href=\"\/credit-cards\/citi-thankyou-rewards\/citi-transfer-partners\/\" rel=\"noopener\">Citi ThankYou<sup>\u00ae<\/sup> Transfer Partners: Ultimate Guide to Best Transfer Partners<\/a><\/strong><\/p>\n<h2><span id=\"Why_Get_the_Citi_Strata_Card\">Why Get the Citi Strata Card?<\/span><\/h2>\n<p>The <a data-ccid=\"241\" href=\"\/blog\/link\/CitiStrataCard\" rel=\"noopener nofollow sponsored\">Citi Strata Card<\/a> carries no annual fee, so it understandably has a shorter list of benefits. Instead, its best feature is its lucrative earning potential. In fact, the combination of strong earning rates and a generous welcome bonus are the two main reasons to consider this card, whether you plan to use it on its own or <a target=\"_blank\" href=\"\/credit-cards\/citi-thankyou-rewards\/citi-rewards-card-combo\/\" rel=\"noopener\">alongside another Citi card<\/a>.<\/p>\n<p>Here\u2019s a breakdown of the earning structure, including the new \u201cSelf-Select\u201d category that you get to pick:<\/p>\n<ul>\r\n  <li>5X \u2013 Earn 5 ThankYou<sup>\u00ae<\/sup> Points for each $1 spent on Hotels, Car Rentals and Attractions booked on Citi Travel\u2120 via cititravel.com<\/li>\r\n  <li>3X \u2013 Earn 3 ThankYou<sup>\u00ae<\/sup> 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.<\/li>\r\n  <li>3X \u2013 Earn 3 ThankYou<sup>\u00ae<\/sup> Points per $1 spent at Supermarkets<\/li>\r\n  <li>3X \u2013 Earn 3 ThankYou<sup>\u00ae<\/sup> Points per $1 spent on Select Transit purchases<\/li>\r\n  <li>3X \u2013 Earn 3 ThankYou<sup>\u00ae<\/sup> Points per $1 spent at Gas and EV Charging Stations<\/li>\r\n  <li>2X \u2013 Earn 2 ThankYou<sup>\u00ae<\/sup> Points per $1 spent at Restaurants<\/li>\r\n  <li>1X \u2013 Earn 1 ThankYou<sup>\u00ae<\/sup> Point per $1 spent on All Other Purchases<\/li>\r\n<\/ul>\n<p>Cardholders also get access to 24-hour fraud protection, Mastercard<sup>\u00ae<\/sup> ID Theft Protection, and tap to pay with the card\u2019s contactless chip.<\/p>\n<figure id=\"attachment_179295\" class=\"wp-caption aligncenter\"><img data-aspectratio=\"600\/480\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" class=\"wp-image-179295 lazyload\" data-src=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/09\/Credit-Card-Laptop-Featured-Sora-Shimazaki-Pexels.jpg\" alt=\"Man Holding His Credit Card\" width=\"600\" height=\"480\" data-srcset=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/09\/Credit-Card-Laptop-Featured-Sora-Shimazaki-Pexels.jpg 1000w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/09\/Credit-Card-Laptop-Featured-Sora-Shimazaki-Pexels-300x240.jpg 300w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/09\/Credit-Card-Laptop-Featured-Sora-Shimazaki-Pexels-768x614.jpg 768w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/09\/Credit-Card-Laptop-Featured-Sora-Shimazaki-Pexels-325x260.jpg 325w\" sizes=\"(max-width: 600px) 100vw, 600px\" \/><center><em>Credit: Sora Shimazaki\/Pexels<\/em><\/enter><\/figure>\n<h3><span id=\"How_is_the_Citi_Strata_Card_different_from_the_Citi_Rewards\">How is the Citi Strata Card different from the Citi Rewards+?<\/span><\/h3>\n<p>The Citi Rewards+ has officially been rebranded as the Citi Strata Card. And while the name and card art changed, a couple of benefits did too.<\/p>\n<p>To help offset the card\u2019s new boosted earning rates, <a target=\"_blank\" href=\"\/news\/citi-thankyou-rewards\/rewards-plus-now-citi-strata\/\" rel=\"noopener\">Citi removed two signature features of the Citi Rewards+<\/a>, which are no longer available on the Citi Strata Card:<\/p>\n<ul>\n<li>The automatic round-up to the nearest 10 points on purchases<\/li>\n<li>10% points rebate on the first 100,000 ThankYou Points redeemed each calendar year<\/li>\n<\/ul>\n<p>While it\u2019s a bit disappointing to see those perks go away, it\u2019s worth calling out in case you\u2019re planning to apply for the Citi Strata Card thinking those features are still part of the card.<\/p>\n<h2><span id=\"Citi_Strata_Card_Application_Rules_and_Restrictions\">Citi Strata Card Application Rules and Restrictions<\/span><\/h2>\n<p>If you're thinking about applying for the <a data-ccid=\"241\" href=\"\/blog\/link\/CitiStrataCard\" rel=\"noopener nofollow sponsored\">Citi Strata Card<\/a>, there are two sets of rules you need to be aware of: those specific to this card\u2019s welcome bonus, and others tied to Citi\u2019s broader <a target=\"_blank\" href=\"\/credit-cards\/rewards-card-application-rules\/\" rel=\"noopener\">application policies<\/a>.<\/p>\n<p>The welcome bonus eligibility rules are fairly restrictive, largely because this card is a relaunch of the Citi Rewards+<sup>\u00ae<\/sup> Card. Here's the language from the application page worth noting:<\/p>\n<blockquote><p><em>Bonus ThankYou<sup>\u00ae<\/sup> Points are not available if you received a new account bonus for Citi Strata\u2120, Citi Strata Student, Citi Rewards+<sup>\u00ae<\/sup> or Citi Rewards+ Student account in the past 48 months or if you converted another Citi credit card account on which you earned a new account bonus in the last 48 months into a Citi Strata\u2120, Citi Strata Student, Citi Rewards+<sup>\u00ae<\/sup> or Citi Rewards+ Student account.<\/em><\/p><\/blockquote>\n<p>In addition to the above, <a target=\"_blank\" href=\"\/credit-cards\/citi-thankyou-rewards\/citi-application-rules\/\" rel=\"noopener\">Citi also has general policies<\/a> that affect when you can successfully apply for a new card. Specifically, for personal credit cards, Citi allows only one application every eight days and no more than two applications within a 65-day period.<\/p>\n<h2><span id=\"Bottom_Line\">Bottom Line<\/span><\/h2>\n<p>No-annual-fee credit cards don\u2019t always get the same attention as premium rewards cards, but if you care about earning Citi ThankYou Points, the <a data-ccid=\"241\" href=\"\/blog\/link\/CitiStrataCard\" rel=\"noopener nofollow sponsored\">Citi Strata Card<\/a> is one you shouldn\u2019t overlook. Its strong earning rates make it a rewarding option on its own, and even more valuable when paired with another Citi card.<\/p>\n<p>Plus, now is also a great time to apply. The current welcome offer gives you 20,000 bonus points after spending $1,000 in the first 3 months of account opening. With the right strategy, that bonus can go a long way.<\/p>\n<div class=\"qs-card\" data-id=\"241\">\n            <div class=\"qs-data\">\n                <div class=\"qs-view\">\n                    <div class=\"qs-cardname\">Citi Strata\u2120 Card<\/div>\n                    <div class=\"qs-image\"><img data-aspectratio=\"150\/94\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-src=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2025\/07\/CardArt-CitiStrataCard.png\" width=\"150\" alt=\"Citi Strata\u2120 Card\" \/ class=\"lazyload\"><\/div>\n                    <div class=\"qs-apply\"><a class=\"btn-use qs-apply-now\" title='Citi Strata\u2120 Card' data-ccid=\"241\" href=\"\/blog\/link\/CitiStrataCard\" target=\"_blank\" rel=\"noopener nofollow sponsored\">Apply Now<\/a><\/div>\n                    <div class=\"qs-rates\"><span class=\"qs-terms\"><a data-ccid=\"241\" href=\"https:\/\/click.linksynergy.com\/fs-bin\/click?id=a3pDkecFgAg&offerid=1960645.4297&type=3&subid=0\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a><\/span><\/div>\n                    <div class=\"qs-offer\"><strong>Welcome Bonus<\/strong> Earn 20,000 bonus Points after spending $1,000 in the first 3 months of account opening.<\/div>\n                <\/div>\n                <div class=\"qs-info\">\n                    <strong class=\"qs-cardname\">Citi Strata\u2120 Card<\/strong>\n                    <div class=\"qs-offer\"><strong>Welcome Bonus<\/strong> Earn 20,000 bonus Points after spending $1,000 in the first 3 months of account opening.<\/div>\n                    <div class=\"qs-fee\"><strong>Annual Fee:<\/strong><b>$0<\/b><\/div>\n                    <div class=\"qs-tabs\"><a class=\"qs-more\" href=\"#more\">Show more<\/a><a href=\"\" data-tab=\"wwl\">Why We Like It<\/a><a href=\"\" data-tab=\"hl\">Highlights<\/a><a href=\"\" data-tab=\"er\">Earning Rates<\/a><div class=\"qs-tab-wwl\">The Citi Strata\u2120 Card is one of the most rewarding no-annual-fee cards on the market, thanks to its impressive combination of flexible bonus categories and solid everyday earning. Cardholders can earn elevated points in popular categories like gas stations, supermarkets, EV charging, streaming, and even fitness clubs\u2014making it easy to rack up rewards on routine spending without paying an annual fee.<\/div><div class=\"qs-tab-hl\"><ul>\r\n<li>Earn 20,000 bonus Points after spending $1,000 in the first 3 months of account opening.<\/li>\r\n<li>0% Intro APR on balance transfers and purchases for 15 months; after that, the variable APR will be 18.49% - 28.49%, 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).<\/li>\r\n<li>Earn 3 ThankYou<sup>\u00ae<\/sup> 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.<\/li>\r\n<li>Earn 5 ThankYou<sup>\u00ae<\/sup> Points for each $1 spent on Hotels, Car Rentals and Attractions booked on Citi Travel<sup>\u00ae<\/sup> via cititravel.com; earn 3 ThankYou Points for each $1 spent at Supermarkets, on Select Transit purchases, and at Gas & EV Charging Stations.<\/li>\r\n<li>Earn 2 ThankYou<sup>\u00ae<\/sup> Points for each $1 spent at Restaurants; earn 1 ThankYou<sup>\u00ae<\/sup> Point for each $1 spent on All Other Purchases.<\/li>\r\n<li>No Annual Fee<\/li>\r\n<\/ul> <\/div><div class=\"qs-tab-er\"><ul>\r\n  <li>5X \u2013 Earn 5 ThankYou<sup>\u00ae<\/sup> Points for each $1 spent on Hotels, Car Rentals and Attractions booked on Citi Travel\u2120 via cititravel.com<\/li>\r\n  <li>3X \u2013 Earn 3 ThankYou<sup>\u00ae<\/sup> 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.<\/li>\r\n  <li>3X \u2013 Earn 3 ThankYou<sup>\u00ae<\/sup> Points per $1 spent at Supermarkets<\/li>\r\n  <li>3X \u2013 Earn 3 ThankYou<sup>\u00ae<\/sup> Points per $1 spent on Select Transit purchases<\/li>\r\n  <li>3X \u2013 Earn 3 ThankYou<sup>\u00ae<\/sup> Points per $1 spent at Gas and EV Charging Stations<\/li>\r\n  <li>2X \u2013 Earn 2 ThankYou<sup>\u00ae<\/sup> Points per $1 spent at Restaurants<\/li>\r\n  <li>1X \u2013 Earn 1 ThankYou<sup>\u00ae<\/sup> Point per $1 spent on All Other Purchases<\/li>\r\n<\/ul><\/div><\/div>\n                <\/div>\n            <\/div>\n            <a class=\"qs-share\" href=\"\/find-a-card\/CitiStrata\/\" title=\"copy\"><svg width=\"12\" height=\"16\" viewBox=\"0 0 12 16\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><use href=\"https:\/\/awardwallet.com\/blog\/wp-content\/themes\/awardwallet\/public\/builds\/icon\/icon-sprite.svg?v2026-4-237fc09228#share-square\" fill=\"currentColor\"><\/use><\/svg><\/a>\n        <\/div>\n","protected":false},"excerpt":{"rendered":"<p>The Citi Strata\u2120 Card has no annual fee and a new welcome offer worth 20,000 bonus ThankYou\u00ae Points. Between that bonus and the card\u2019s boosted earning rates, it\u2019s a fantastic choice if you\u2019re looking to earn valuable transferable points. Here&#8217;s why.<\/p>\n","protected":false},"author":80,"featured_media":220348,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":"","_wpscppro_dont_share_socialmedia":null,"_wpscppro_custom_social_share_image":0,"_facebook_share_type":"default","_twitter_share_type":"default","_linkedin_share_type":"default","_pinterest_share_type":"default","_linkedin_share_type_page":"","_instagram_share_type":"default","_medium_share_type":"default","_threads_share_type":"","_google_business_share_type":"","_selected_social_profile":[],"_wpsp_enable_custom_social_template":false,"_wpsp_social_scheduling":{"enabled":false,"datetime":null,"platforms":[],"status":"template_only","dateOption":"today","timeOption":"now","customDays":"","customHours":"","customDate":"","customTime":"","schedulingType":"absolute"},"_wpsp_active_default_template":true},"categories":[12055],"tags":[12520,12232,12707,12785],"coauthors":[36432],"class_list":["post-220342","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-credit-cards","tag-card-benefits","tag-card-offers","tag-citi-thankyou-rewards","tag-citibank"],"acf":[],"_links":{"self":[{"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/posts\/220342","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/users\/80"}],"replies":[{"embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/comments?post=220342"}],"version-history":[{"count":18,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/posts\/220342\/revisions"}],"predecessor-version":[{"id":243598,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/posts\/220342\/revisions\/243598"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/media\/220348"}],"wp:attachment":[{"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/media?parent=220342"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/categories?post=220342"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/tags?post=220342"},{"taxonomy":"author","embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/coauthors?post=220342"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}