{"id":233447,"date":"2025-11-30T23:49:16","date_gmt":"2025-11-30T23:49:16","guid":{"rendered":"https:\/\/awardwallet.com\/blog\/?p=233447\/"},"modified":"2026-04-08T14:28:21","modified_gmt":"2026-04-08T14:28:21","slug":"strata-card-bonus-category","status":"publish","type":"post","link":"https:\/\/awardwallet.com\/credit-cards\/citi-thankyou-rewards\/strata-card-bonus-category\/","title":{"rendered":"Earn 3X Transferable Points With No Annual Fee \u2014 How to Choose Your Citi Strata\u2120 Card Self-Select Category"},"content":{"rendered":"<p>In July 2025, the <a target=\"_blank\" href=\"https:\/\/awardwallet.com\/news\/citi-thankyou-rewards\/rewards-plus-now-citi-strata\/\" rel=\"noopener\">Citi Rewards+<sup>\u00ae<\/sup> Card was officially discontinued<\/a>, and the new <a data-ccid=\"241\" href=\"https:\/\/awardwallet.com\/credit-cards\/citi-thankyou-rewards\/citi-strata-card\/\">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>) 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, <a target=\"_blank\" href=\"https:\/\/awardwallet.com\/news\/citi-thankyou-rewards\/transfer-partners-no-annual-fee-cards\/\" rel=\"noopener\">better access to transfer partners<\/a>, and a sleek new look.<\/p>\n<p><span style=\"box-sizing: border-box; margin: 0px; padding: 0px;\">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.<\/span><\/p>\n<p>Let's take a look at how this unique self-select feature works.<\/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?v2026-4-20ebc4699d#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=\"#What_is_the_Citi_Strata_Card_Self-Select_Category\">What is the Citi Strata Card Self-Select Category?<\/a><\/li><li><a href=\"#How_to_Change_Your_Citi_Strata_Card_Self-Select_Category\">How to Change Your Citi Strata Card Self-Select Category<\/a><\/li><li><a href=\"#Other_Self-Select_Category_Rules_to_Know\">Other Self-Select Category Rules to Know<\/a><\/li><li><a href=\"#Other_Citi_Strata_Card_Spending_Categories\">Other Citi Strata Card Spending Categories<\/a><\/li><li><a href=\"#Wrapping_Up\">Wrapping Up<\/a><\/li><\/ul><\/div>\n\n<h2><span id=\"What_is_the_Citi_Strata_Card_Self-Select_Category\">What is the Citi Strata Card Self-Select Category?<\/span><\/h2>\n<p>The self-select category on the <a data-ccid=\"241\" href=\"\/blog\/link\/CitiStrataCard\" rel=\"noopener nofollow sponsored\">Citi Strata Card<\/a> allows you to earn 3X <a target=\"_blank\" href=\"https:\/\/awardwallet.com\/credit-cards\/citi-thankyou-rewards\/\" rel=\"noopener\">Citi ThankYou<sup>\u00ae<\/sup> Rewards Points<\/a> 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.<\/p>\n<p>The five eligible categories are:<\/p>\n<ul>\n<li>Fitness Clubs<\/li>\n<li>Select Streaming Services<\/li>\n<li>Live Entertainment<\/li>\n<li>Cosmetic Stores\/Barber Shops\/Hair Salons<\/li>\n<li>Pet Supply Stores<\/li>\n<\/ul>\n<p>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.<\/p>\n<figure id=\"attachment_226933\" class=\"wp-caption aligncenter\"><img data-aspectratio=\"750\/428\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" class=\"wp-image-226933 lazyload\" data-src=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2025\/09\/Screenshot-2025-09-17-at-1.40.37-PM-300x171.png\" alt=\"Woman in green shirt blow drying a tan dog's hair\" width=\"750\" height=\"428\" data-srcset=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2025\/09\/Screenshot-2025-09-17-at-1.40.37-PM-300x171.png 300w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2025\/09\/Screenshot-2025-09-17-at-1.40.37-PM-1024x584.png 1024w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2025\/09\/Screenshot-2025-09-17-at-1.40.37-PM-768x438.png 768w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2025\/09\/Screenshot-2025-09-17-at-1.40.37-PM.png 1258w\" sizes=\"(max-width: 750px) 100vw, 750px\" \/><center><em>Screenshot of Citi<\/em><\/enter><\/figure>\n<p><strong>Related: <a target=\"_blank\" href=\"https:\/\/awardwallet.com\/credit-cards\/citi-thankyou-rewards\/citi-strata-card\/\" rel=\"noopener\">Citi Strata\u2120 Card Full Review<\/a><\/strong><\/p>\n<h2><span id=\"How_to_Change_Your_Citi_Strata_Card_Self-Select_Category\">How to Change Your Citi Strata Card Self-Select Category<\/span><\/h2>\n<p>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.<\/p>\n<p>First, log in to your Citi account, then click on <strong>Rewards & Offers<\/strong>, and choose <strong>Citi Strata Card\u00a0Benefits<\/strong>.<\/p>\n<figure id=\"attachment_233608\" class=\"wp-caption aligncenter\"><img data-aspectratio=\"750\/384\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" class=\"wp-image-233608 lazyload\" data-src=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2025\/11\/Screenshot-2025-11-02-at-9.43.07-AM-300x154.png\" alt=\"White background with black writing on the Citi website, and a red arrow pointing to card benefits\" width=\"750\" height=\"384\" data-srcset=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2025\/11\/Screenshot-2025-11-02-at-9.43.07-AM-300x154.png 300w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2025\/11\/Screenshot-2025-11-02-at-9.43.07-AM-1024x524.png 1024w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2025\/11\/Screenshot-2025-11-02-at-9.43.07-AM-768x393.png 768w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2025\/11\/Screenshot-2025-11-02-at-9.43.07-AM-1536x786.png 1536w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2025\/11\/Screenshot-2025-11-02-at-9.43.07-AM.png 1692w\" sizes=\"(max-width: 750px) 100vw, 750px\" \/><center><em>Screenshot of Citi<\/em><\/enter><\/figure>\n<p>On the next screen, click on <strong>3X Self-Select Category<\/strong>. Alternatively, you can go directly to the <a target=\"_blank\" href=\"https:\/\/citi.com\/selfselect\" rel=\"noopener\">Citi self-select website<\/a>.<\/p>\n<figure id=\"attachment_233609\" class=\"wp-caption aligncenter\"><img data-aspectratio=\"750\/524\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" class=\"wp-image-233609 lazyload\" data-src=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2025\/11\/Screenshot-2025-11-02-at-9.43.26-AM-300x210.png\" alt=\"Black and white background with Citi Strata card and card benefits listed in blue\" width=\"750\" height=\"524\" data-srcset=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2025\/11\/Screenshot-2025-11-02-at-9.43.26-AM-300x210.png 300w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2025\/11\/Screenshot-2025-11-02-at-9.43.26-AM-1024x715.png 1024w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2025\/11\/Screenshot-2025-11-02-at-9.43.26-AM-768x537.png 768w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2025\/11\/Screenshot-2025-11-02-at-9.43.26-AM.png 1042w\" sizes=\"(max-width: 750px) 100vw, 750px\" \/><center><em>Screenshot of Citi<\/em><\/enter><\/figure>\n<p>From here, you will be shown your current category and the other available categories. To change your category, click the blue <strong>Change Category<\/strong> button.<\/p>\n<figure id=\"attachment_233610\" class=\"wp-caption aligncenter\"><img data-aspectratio=\"900\/601\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" class=\"wp-image-233610 size-large lazyload\" data-src=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2025\/11\/Screenshot-2025-11-02-at-9.43.44-AM-1024x684.png\" alt=\"White backgroun with black writing showing the 3X self-select categories on the Citi Strata card.\" width=\"900\" height=\"601\" data-srcset=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2025\/11\/Screenshot-2025-11-02-at-9.43.44-AM-1024x684.png 1024w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2025\/11\/Screenshot-2025-11-02-at-9.43.44-AM-300x200.png 300w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2025\/11\/Screenshot-2025-11-02-at-9.43.44-AM-768x513.png 768w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2025\/11\/Screenshot-2025-11-02-at-9.43.44-AM-1536x1027.png 1536w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2025\/11\/Screenshot-2025-11-02-at-9.43.44-AM.png 1622w\" sizes=\"(max-width: 900px) 100vw, 900px\" \/><center><em>Screenshot of Citi<\/em><\/enter><\/figure>\n<p>Next, click on the category of your choosing, then click <strong>Save<\/strong>.<\/p>\n<figure id=\"attachment_233611\" class=\"wp-caption aligncenter\"><img data-aspectratio=\"900\/507\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" class=\"wp-image-233611 size-large lazyload\" data-src=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2025\/11\/Screenshot-2025-11-02-at-9.43.58-AM-1024x577.png\" alt=\"White background with black words showing Citi Strata 3X category options\" width=\"900\" height=\"507\" data-srcset=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2025\/11\/Screenshot-2025-11-02-at-9.43.58-AM-1024x577.png 1024w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2025\/11\/Screenshot-2025-11-02-at-9.43.58-AM-300x169.png 300w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2025\/11\/Screenshot-2025-11-02-at-9.43.58-AM-768x432.png 768w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2025\/11\/Screenshot-2025-11-02-at-9.43.58-AM-1536x865.png 1536w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2025\/11\/Screenshot-2025-11-02-at-9.43.58-AM.png 1808w\" sizes=\"(max-width: 900px) 100vw, 900px\" \/><center><em>Screenshot of Citi<\/em><\/enter><\/figure>\n<p>You'll be shown a confirmation pop-up. Click <strong>Save Changes<\/strong>.<\/p>\n<figure id=\"attachment_233612\" class=\"wp-caption aligncenter\"><img data-aspectratio=\"600\/679\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" class=\"wp-image-233612 lazyload\" data-src=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2025\/11\/Screenshot-2025-11-02-at-9.44.17-AM-265x300.png\" alt=\"White background with black words confirming chosen 3X category on the Citi Strata\" width=\"600\" height=\"679\" data-srcset=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2025\/11\/Screenshot-2025-11-02-at-9.44.17-AM-265x300.png 265w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2025\/11\/Screenshot-2025-11-02-at-9.44.17-AM.png 702w\" sizes=\"(max-width: 600px) 100vw, 600px\" \/><center><em>Screenshot of Citi<\/em><\/enter><\/figure>\n<p>Finally, your choice will be confirmed, and you can see your new 3X category listed at the top of the page.<\/p>\n<figure id=\"attachment_233613\" class=\"wp-caption aligncenter\"><img data-aspectratio=\"900\/219\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" class=\"wp-image-233613 size-large lazyload\" data-src=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2025\/11\/Screenshot-2025-11-02-at-9.44.34-AM-1024x249.png\" alt=\"White backgroun with black words confirming the new Citi Strata 3X category\" width=\"900\" height=\"219\" data-srcset=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2025\/11\/Screenshot-2025-11-02-at-9.44.34-AM-1024x249.png 1024w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2025\/11\/Screenshot-2025-11-02-at-9.44.34-AM-300x73.png 300w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2025\/11\/Screenshot-2025-11-02-at-9.44.34-AM-768x187.png 768w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2025\/11\/Screenshot-2025-11-02-at-9.44.34-AM-1536x374.png 1536w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2025\/11\/Screenshot-2025-11-02-at-9.44.34-AM.png 1634w\" sizes=\"(max-width: 900px) 100vw, 900px\" \/><center><em>Screenshot of Citi<\/em><\/enter><\/figure>\n<h2><span id=\"Other_Self-Select_Category_Rules_to_Know\">Other Self-Select Category Rules to Know<\/span><\/h2>\n<p>Changing your <a data-ccid=\"241\" href=\"\/blog\/link\/CitiStrataCard\" rel=\"noopener nofollow sponsored\">Citi Strata Card<\/a> 3X category is pretty straightforward, but there are a few things to keep in mind about this feature.<\/p>\n<p>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.<\/p>\n<p>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.<\/p>\n<p>Lastly, there is no need to reselect categories each quarter. Your chosen category will automatically carry over unless you make a change.<\/p>\n<h2><span id=\"Other_Citi_Strata_Card_Spending_Categories\">Other Citi Strata Card Spending Categories<\/span><\/h2>\n<p>As we mentioned above, the <a data-ccid=\"241\" href=\"\/blog\/link\/CitiStrataCard\" rel=\"noopener nofollow sponsored\">Citi Strata Card<\/a>\u00a0launch 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.<\/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>These new, expanded categories make this card a great no-fee option. When paired with one of Citi's premium cards, like the <a data-ccid=\"520083\" href=\"https:\/\/awardwallet.com\/credit-cards\/citi-thankyou-rewards\/citi-strata-premier\/\">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>) or the <a data-ccid=\"242\" href=\"https:\/\/awardwallet.com\/credit-cards\/citi-thankyou-rewards\/citi-strata-elite-offer\/\">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>), you can get maximum value for your points by using them with <a target=\"_blank\" href=\"https:\/\/awardwallet.com\/credit-cards\/citi-thankyou-rewards\/citi-transfer-partners\/\" rel=\"noopener\">Citi's 21 hotel and airline transfer partners<\/a>.<\/p>\n<div class=\"compare-cards-wrap compare-count-cards-2 compare-p-citi\"><div class=\"compare-card\"><div class=\"compare-pre\"><div class=\"compare-image\"><div><img src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-src=\"https:\/\/cdn.nextinsure.com\/imaging\/opt\/11937075.png\" width=\"150\" alt=\"Citi Strata Premier\u00ae Card\" \/ class=\"lazyload\"><\/div><\/div><div class=\"compare-name\">Citi Strata Premier<sup>\u00ae<\/sup> Card<\/div><div class=\"compare-offer\"><strong>Welcome Offer<\/strong>\r\nEarn 60,000 bonus ThankYou<sup>\u00ae<\/sup> Points after spending $4,000 in the first 3 months of account opening, redeemable for $600 in gift cards or travel rewards at thankyou.com.<\/div><\/div><div class=\"compare-apply\"><a class=\"btn-use qs-apply-now\" title='Citi Strata Premier\u00ae Card' data-ccid=\"520083\" href=\"\/blog\/link\/CR-CitiPremierCard\" target=\"_blank\" rel=\"noopener nofollow sponsored\">Apply Now<\/a><\/div><div class=\"compare-fee-score\"><div class=\"compare-fee\"><strong>Annual Fee<\/strong><p>$95<span class=\"compare-terms\"><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><\/span><\/p><\/div><div class=\"compare-rating compare-rating--5\"><strong>Credit Score<\/strong><p>Excellent, Good<\/p><\/div><\/div><div class=\"compare-earning\"><ul>\r\n<li>10X on Hotels, Car Rentals, and Attractions booked through CitiTravel.com<\/li>\r\n<li>3X \u2013 Earn 3 Points per $1 spent on Air Travel and Other Hotel Purchases<\/li>\r\n<li>3X \u2013 Earn 3 Points per $1 spent on Restaurants<\/li>\r\n<li>3X \u2013 Earn 3 Points per $1 spent on Supermarkets<\/li>\r\n<li>3X \u2013 Earn 3 Points per $1 spent on Gas and EV Charging Stations <\/li>\r\n<li>1X \u2013 Earn 1 Point per $1 spent on All Other Purchases<\/li>\r\n<\/ul><\/div><\/div><div class=\"compare-card\"><div class=\"compare-pre\"><div class=\"compare-image\"><div><img data-aspectratio=\"150\/95\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-src=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2025\/07\/CardArt-CitiStrataEliteCard.png\" width=\"150\" alt=\"Citi Strata Elite\u2120 Card\" \/ class=\"lazyload\"><\/div><\/div><div class=\"compare-name\">Citi Strata Elite\u2120 Card<\/div><div class=\"compare-offer\"><strong>Welcome Bonus<\/strong> Earn 75,000 bonus Points after spending $6,000 in the first 3 months of account opening. <\/div><\/div><div class=\"compare-apply\"><a class=\"btn-use qs-apply-now\" title='Citi Strata Elite\u2120 Card' data-ccid=\"242\" href=\"\/blog\/link\/CitiStrataElite?var2=ccid~242\" target=\"_blank\" rel=\"noopener nofollow sponsored\">Apply Now<\/a><\/div><div class=\"compare-fee-score\"><div class=\"compare-fee\"><strong>Annual Fee<\/strong><p>$595<span class=\"compare-terms\"><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><\/span><\/p><\/div><div class=\"compare-rating compare-rating--0\"><\/div><\/div><div class=\"compare-earning\"><ul>\r\n<li>12X \u2013 Earn 12 Points per $1 spent on Hotels, Car Rentals, and Attractions booked on cititravel.com.<\/li>\r\n<li>6X \u2013 Earn 6 Points per $1 spent on Air Travel booked on cititravel.com.<\/li>\r\n<li>6X \u2013 Earn 6 Points per $1 spent at Restaurants including Restaurant Delivery Services on CitiNights\u2120 purchases, every Friday and Saturday from 6 PM to 6 AM ET. Earn 3 Points per $1 spent any other time.<\/li>\r\n<li>1.5X \u2013 Earn 1.5 Points per $1 spent on All Other Purchases.<\/li>\r\n<\/ul><\/div><\/div><\/div>\n<p><strong>Related:\u00a0<a target=\"_blank\" href=\"https:\/\/awardwallet.com\/credit-cards\/citi-thankyou-rewards\/citi-rewards-card-combo\/\" rel=\"noopener\">5X on Top Category, 3X on Travel and Food, 2X on Everything Else: The\u00a0Citi ThankYou\u00a0Rewards\u00a0Trifecta<\/a><\/strong><\/p>\n<h2><span id=\"Wrapping_Up\">Wrapping Up<\/span><\/h2>\n<p>The <a data-ccid=\"241\" href=\"\/blog\/link\/CitiStrataCard\" rel=\"noopener nofollow sponsored\">Citi Strata Card<\/a> 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.<\/p>\n<p>And if you're not yet a Citi Strata Card holder, it's a great time to apply. New applicants can earn 20,000 bonus points after spending $1,000 in the first 3 months of account opening.<\/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?v2026-4-20ebc4699d#share-square\" fill=\"currentColor\"><\/use><\/svg><\/a>\n        <\/div>\n","protected":false},"excerpt":{"rendered":"<p>The Citi Strata\u2120 Card relaunch was a welcome and much-needed refresh, 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. Here&#8217;s how to choose yours.<\/p>\n","protected":false},"author":70,"featured_media":188100,"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":[12520,12707,12785,12621],"coauthors":[36392],"class_list":["post-233447","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-credit-cards","tag-card-benefits","tag-citi-thankyou-rewards","tag-citibank","tag-earning-strategy"],"acf":[],"_links":{"self":[{"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/posts\/233447","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\/70"}],"replies":[{"embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/comments?post=233447"}],"version-history":[{"count":14,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/posts\/233447\/revisions"}],"predecessor-version":[{"id":237563,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/posts\/233447\/revisions\/237563"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/media\/188100"}],"wp:attachment":[{"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/media?parent=233447"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/categories?post=233447"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/tags?post=233447"},{"taxonomy":"author","embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/coauthors?post=233447"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}