{"id":91207,"date":"2025-09-20T21:10:01","date_gmt":"2025-09-20T21:10:01","guid":{"rendered":"https:\/\/awardwallet.com\/blog\/?p=91207"},"modified":"2026-04-08T14:23:39","modified_gmt":"2026-04-08T14:23:39","slug":"citi-strata-card","status":"publish","type":"post","link":"https:\/\/awardwallet.com\/credit-cards\/citi-thankyou-rewards\/citi-strata-card\/","title":{"rendered":"Citi Strata Card Review: Multiply Your ThankYou\u00ae Point Earnings Without Paying an Annual Fee"},"content":{"rendered":"<p>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>) (previously known as the Citi Rewards+<sup>\u00ae<\/sup> Card) offers popular spending categories that help consumers earn more <a target=\"_blank\" href=\"\/credit-cards\/citi-thankyou-rewards\/\" rel=\"noopener\">Citi ThankYou<sup>\u00ae<\/sup> Points<\/a> for their travels.<\/p>\n<p>Because it doesn't offer travel insurance benefits and it charges a 3% foreign transaction fee, it's not the ideal card for international trips. However, you might find its benefits still make it a good fit for your wallet for spending within the U.S. \u2014 especially when <a target=\"_blank\" href=\"\/credit-cards\/citi-thankyou-rewards\/citi-rewards-card-combo\/\" rel=\"noopener\">paired with other Citi cards<\/a>.<\/p>\n<p>Here's everything you need to know about the Citi Strata Card.<\/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?v2026-4-143a6d5a52#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=\"#Citi_Strata_Card_Pros\">Citi Strata Card Pros<\/a><\/li><li><a href=\"#Citi_Strata_Card_Cons\">Citi Strata Card Cons<\/a><\/li><li><a href=\"#Citi_Strata_Card_Welcome_Offer\">Citi Strata Card Welcome Offer<\/a><\/li><li><a href=\"#Citi_Strata_Card_Earning_Rates\">Citi Strata Card Earning Rates<\/a><ul><li><a href=\"#Changing_your_Self-Select_category\">Changing your Self-Select category<\/a><\/li><li><a href=\"#Do_Citi_ThankYou_Points_expire\">Do Citi ThankYou Points expire?<\/a><\/li><\/ul><\/li><li><a href=\"#Citi_Strata_Card_Benefits\">Citi Strata Card Benefits<\/a><ul><li><a href=\"#Introductory_APR\">Introductory APR<\/a><\/li><li><a href=\"#No_annual_fee\">No annual fee<\/a><\/li><\/ul><\/li><li><a href=\"#Redeeming_Points_With_the_Citi_Strata_Card\">Redeeming Points With the Citi Strata Card<\/a><ul><li><a href=\"#Transfer_partners\">Transfer partners<\/a><\/li><li><a href=\"#Gift_cards\">Gift cards<\/a><\/li><li><a href=\"#Booking_travel_through_Citi_TravelSM\">Booking travel through Citi TravelSM<\/a><\/li><li><a href=\"#Redeem_for_cash\">Redeem for cash<\/a><\/li><li><a href=\"#Shop_with_points\">Shop with points<\/a><\/li><\/ul><\/li><li><a href=\"#Application_Restrictions_and_Strategy\">Application Restrictions and Strategy<\/a><\/li><li><a href=\"#Cards_That_Compete_With_the_Citi_Strata_Card\">Cards That Compete With the Citi Strata Card<\/a><\/li><li><a href=\"#Final_Thoughts\">Final Thoughts<\/a><\/li><\/ul><\/div>\n\n<h2><span id=\"Citi_Strata_Card_Pros\">Citi Strata Card Pros<\/span><\/h2>\n<ul>\n<li>Offers a solid welcome bonus for a no-annual-fee card.<\/li>\n<li>$0 annual fee.<\/li>\n<li>Earns 3x ThankYou Points per dollar on multiple categories, including one eligible category of your choice.<\/li>\n<\/ul>\n<h2><span id=\"Citi_Strata_Card_Cons\">Citi Strata Card Cons<\/span><\/h2>\n<ul>\n<li>No insurance protections.<\/li>\n<li>Lower transfer partner rates unless you hold another Citi ThankYou Point-earning credit card with an annual fee.<\/li>\n<li>3% foreign transaction fee.<\/li>\n<\/ul>\n<figure id=\"attachment_185163\" class=\"wp-caption aligncenter\"><img data-aspectratio=\"600\/480\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" class=\"wp-image-185163 lazyload\" data-src=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/10\/Laptop-Online-Featured-John-Schnobrich-Unsplash-300x240.png\" alt=\"Overhead shot of three people pointing at a laptop screen.\" width=\"600\" height=\"480\" data-srcset=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/10\/Laptop-Online-Featured-John-Schnobrich-Unsplash-300x240.png 300w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/10\/Laptop-Online-Featured-John-Schnobrich-Unsplash-768x614.png 768w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/10\/Laptop-Online-Featured-John-Schnobrich-Unsplash-325x260.png 325w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/10\/Laptop-Online-Featured-John-Schnobrich-Unsplash.png 1000w\" sizes=\"(max-width: 600px) 100vw, 600px\" \/><center><em>Credit: John Schnobrich\/Unsplash<\/em><\/enter><\/figure>\n<h2><span id=\"Citi_Strata_Card_Welcome_Offer\">Citi Strata Card Welcome Offer<\/span><\/h2>\n<p>If you apply for the <a data-ccid=\"241\" href=\"\/blog\/link\/CitiStrataCard\" rel=\"noopener nofollow sponsored\">Citi Strata Card<\/a>, you can earn 20,000 bonus points after spending $1,000 in the first 3 months of account opening.<\/p>\n<p>It's worth mentioning that <a target=\"_blank\" href=\"\/point-mile-values\/thankyou\" rel=\"noopener\">AwardWallet users get an average of 2.3\u00a2 per point<\/a> when redeeming Citi points, meaning you'll receive a great return on the minimum spending required to earn the welcome bonus.<\/p>\n<p><strong>Related: <a target=\"_blank\" href=\"\/credit-cards\/sign-up-bonus\/\" rel=\"noopener\">How Does a Credit Card Sign-Up Bonus Work?<\/a><\/strong><\/p>\n<h2><span id=\"Citi_Strata_Card_Earning_Rates\">Citi Strata Card Earning Rates<\/span><\/h2>\n<p>The <a data-ccid=\"241\" href=\"\/blog\/link\/CitiStrataCard\" rel=\"noopener nofollow sponsored\">Citi Strata Card<\/a> has a wide variety of earning categories that cover many everyday expenses. As you spend on the card, you will earn:<\/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><strong>Related:\u00a0<a target=\"_blank\" href=\"\/credit-cards\/citi-thankyou-rewards\/how-to-earn-citi-points\/\" rel=\"noopener\">How to Earn Citi ThankYou<sup>\u00ae<\/sup> Points<\/a><\/strong><\/p>\n<h3><span id=\"Changing_your_Self-Select_category\">Changing your Self-Select category<\/span><\/h3>\n<p>This card features a unique Self-Select category option, allowing you to earn 3X points back at an eligible category of your choice from a solid list of options. However, you can easily change your category by logging on to your Citi account and navigating to your &#8220;Card Benefits&#8221; section.<\/p>\n<figure id=\"attachment_226933\" class=\"wp-caption aligncenter\"><img data-aspectratio=\"600\/342\" 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=\"600\" height=\"342\" 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: 600px) 100vw, 600px\" \/><center><em>Credit: Citi<\/em><\/enter><\/figure>\n<h3><span id=\"Do_Citi_ThankYou_Points_expire\">Do Citi ThankYou Points expire?<\/span><\/h3>\n<p><a target=\"_blank\" href=\"\/credit-cards\/citi-thankyou-rewards\/do-citi-points-expire\/\" rel=\"noopener\">Points earned on newer Citi Cards generally don't expire<\/a>, but pay attention to the ways you could lose your points. If you close your Citi card, you have 60 days to redeem your points. Additionally, you have 90 days to use points transferred to you from someone else. And, of course, if Citi has to close your account due to fraud, misuse, or abuse, you'll lose your points.<\/p>\n<h2><span id=\"Citi_Strata_Card_Benefits\">Citi Strata Card Benefits<\/span><\/h2>\n<p>The <a data-ccid=\"241\" href=\"\/blog\/link\/CitiStrataCard\" rel=\"noopener nofollow sponsored\">Citi Strata Card<\/a> has a few valuable benefits to keep in mind when considering this card as part of your points-earning strategy. While the perks don't include <a target=\"_blank\" href=\"\/credit-cards\/trip-cancellation-insurance\/\" rel=\"noopener\">trip cancellation insurance<\/a> or <a target=\"_blank\" href=\"\/credit-cards\/rental-car-insurance\/\" rel=\"noopener\">rental car insurance<\/a> (as <a target=\"_blank\" href=\"\/news\/credit-cards\/citi-benefits-changes-2019\/\" rel=\"noopener\">Citi removed these benefits in 2019<\/a>), they do include ways to help you earn more points and save money.<\/p>\n<h3><span id=\"Introductory_APR\">Introductory APR<\/span><\/h3>\n<p>When you're approved for the Citi Strata Card, you can take advantage of a 0% introductory APR for 15 months on purchases and balance transfers. After the introductory period, the Variable APR for unpaid promotional balances, new purchases, and new balance transfers is 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<p><strong>Related: <a target=\"_blank\" href=\"\/credit-cards\/0-apr-credit-cards-with-no-annual-fee\/\" rel=\"noopener\">Best $0 Annual Fee Credit Cards with 0% Introductory APR<\/a><\/strong><\/p>\n<h3><span id=\"No_annual_fee\">No annual fee<\/span><\/h3>\n<p>Luckily, this card doesn't charge an annual fee, which makes it an excellent choice for budget-conscious people.<\/p>\n<figure id=\"attachment_125948\" class=\"wp-caption aligncenter\"><img data-aspectratio=\"600\/480\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" class=\"wp-image-125948 lazyload\" data-src=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2023\/09\/CHUTTERSNAP-Unsplash-airport-passengers-featured-300x240.png\" alt=\"numerous passengers move through an airport with their luggage\" width=\"600\" height=\"480\" data-srcset=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2023\/09\/CHUTTERSNAP-Unsplash-airport-passengers-featured-300x240.png 300w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2023\/09\/CHUTTERSNAP-Unsplash-airport-passengers-featured-768x614.png 768w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2023\/09\/CHUTTERSNAP-Unsplash-airport-passengers-featured-325x260.png 325w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2023\/09\/CHUTTERSNAP-Unsplash-airport-passengers-featured.png 1000w\" sizes=\"(max-width: 600px) 100vw, 600px\" \/><center><em>Credit: CHUTTERSNAP\/Unsplash<\/em><\/enter><\/figure>\n<h2><span id=\"Redeeming_Points_With_the_Citi_Strata_Card\">Redeeming Points With the Citi Strata Card<\/span><\/h2>\n<p>The Citi Strata Card\u00a0earns <a target=\"_blank\" href=\"\/credit-cards\/citi-thankyou-rewards\/\" rel=\"noopener\">Citi ThankYou Points<\/a>, which can be redeemed in various ways, making them highly\u00a0valuable.<\/p>\n<h3><span id=\"Transfer_partners\">Transfer partners<\/span><\/h3>\n<p>Although it may require a bit more work compared to other redemption options, transferring your ThankYou points to <a target=\"_blank\" href=\"\/credit-cards\/citi-thankyou-rewards\/citi-transfer-partners\/\" rel=\"noopener\">Citi's transfer partners<\/a> provides the most value. Transferring points means sending your points to the loyalty program of your choice and redeeming them for flights or hotel stays. Citi has 21 total transfer partners, including five hotel partners and 15 airline programs.<\/p>\n<p>Notable partners include <a target=\"_blank\" href=\"\/news\/citi-thankyou-rewards\/transfer-citi-points-american-airlines\/\" rel=\"noopener\">American Airlines<\/a>, <a target=\"_blank\" href=\"\/hotels\/choice-privileges\/\" rel=\"noopener\">Choice Privileges<\/a>, <a target=\"_blank\" href=\"\/hotels\/wyndham-rewards\/\" rel=\"noopener\">Wyndham Rewards<\/a>, <a target=\"_blank\" href=\"\/airlines\/jetblue-trueblue\/\" rel=\"noopener\">JetBlue TrueBlue<\/a>, and <a target=\"_blank\" href=\"\/airlines\/do-turkish-airlines-miles-expire\/\" rel=\"noopener\">Turkish Airlines Miles & Smiles<\/a>. Transferring to travel partners remains one of the <a target=\"_blank\" href=\"\/credit-cards\/citi-thankyou-rewards\/redeem-citi-points\/\" rel=\"noopener\">best ways to use Citi ThankYou points<\/a>.<\/p>\n<figure id=\"attachment_137456\" class=\"wp-caption aligncenter\"><img data-aspectratio=\"600\/480\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" class=\"wp-image-137456 lazyload\" data-src=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2023\/11\/Wyndham-Grand-Rio-Mar-Golf-Beach-Resort-featured-300x240.png\" alt=\"Wyndham Grand Rio Mar Golf & Beach Resort sits near the beach in Puerto Rico\" width=\"600\" height=\"480\" data-srcset=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2023\/11\/Wyndham-Grand-Rio-Mar-Golf-Beach-Resort-featured-300x240.png 300w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2023\/11\/Wyndham-Grand-Rio-Mar-Golf-Beach-Resort-featured-768x614.png 768w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2023\/11\/Wyndham-Grand-Rio-Mar-Golf-Beach-Resort-featured-325x260.png 325w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2023\/11\/Wyndham-Grand-Rio-Mar-Golf-Beach-Resort-featured.png 1000w\" sizes=\"(max-width: 600px) 100vw, 600px\" \/><center><em>Wyndham Grand Rio Mar Golf & Beach Resort in Puerto Rico. Credit: Wyndham<\/em><\/enter><\/figure>\n<p><strong>Related: <a target=\"_blank\" href=\"\/credit-cards\/citi-thankyou-rewards\/use-citi-points-north-america\/\" rel=\"noopener\">Citi ThankYou Point North America Sweet Spots<\/a><\/strong><\/p>\n<p>One caveat to remember is that points transfer at a lower rate unless you also hold one of Citi's premium credit cards: 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>), 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>), or <a data-ccid=\"10\" href=\"https:\/\/awardwallet.com\/credit-cards\/citi-thankyou-rewards\/citi-prestige\/\" =_blank>Citi Prestige<sup>\u00ae<\/sup> Card<\/a> (no longer open to new applicants).<\/p>\n<p>If you only have the Citi Strata Card, most points transfer at a 10:7 rate, with a few exceptions. This is lower than the standard 1:1 rate typically offered with most transfers from one of the premium cards listed above.<\/p>\n<p><strong>Related: <a target=\"_blank\" href=\"\/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 Citi ThankYou Rewards Trifecta<\/a><\/strong><\/p>\n<h3><span id=\"Gift_cards\">Gift cards<\/span><\/h3>\n<p>Citi\u00a0offers a wide range of retailers where you can <a target=\"_blank\" href=\"https:\/\/www.thankyou.com\/gcLanding.htm\" rel=\"noopener\">redeem points for gift cards<\/a> \u2014 and <a target=\"_blank\" href=\"\/news\/citi-thankyou-rewards\/redeem-for-gift-cards\/\" rel=\"noopener\">sometimes for a discount<\/a>. Choose from retailers like Sephora, Starbucks, IKEA, Nike, and dozens of other options. Keep your eye out for sales where the site offers gift cards for discounted points. Gift cards are not the worst redemption, either: Your points can be worth as much as 1.1\u00a2 each here.<\/p>\n<h3><span id=\"Booking_travel_through_Citi_TravelSM\">Booking travel through Citi Travel<sup>SM<\/sup><\/span><\/h3>\n<p>If you don't want to fuss with transferring your rewards, you can quickly book travel within <a target=\"_blank\" href=\"\/credit-cards\/citi-thankyou-rewards\/citi-travel-portal\/\" rel=\"noopener\">Citi's travel portal<\/a>. Not only can you book flights, but you can also book hotels, bed and breakfasts, hostels, apartments, and activities.<\/p>\n<p>Keep in mind that the redemption value may not be as high, as points are worth a flat 1\u00a2 apiece in the portal. But you can use the portal for unique redemptions like theme park tickets, boutique hotels, rental cars, and more.<\/p>\n<p>Make sure to compare prices to booking outside the portal if you're concerned with getting the best deal available.<\/p>\n<h3><span id=\"Redeem_for_cash\">Redeem for cash<\/span><\/h3>\n<p>You have several options for redeeming ThankYou Points for cash \u2014 a statement credit, direct deposit, or a check in the mail. All three options are redeemed at a 1\u00a2 per point value, meaning every 10,000 points is worth $100.<\/p>\n<figure id=\"attachment_189101\" class=\"wp-caption aligncenter\"><img data-aspectratio=\"600\/480\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" class=\"wp-image-189101 lazyload\" data-src=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/11\/Laptop-Shopping-Jakub-Zerdzicki-Featured-Unsplash.png\" alt=\"Woman holding an iPhone near a laptop.\" width=\"600\" height=\"480\" data-srcset=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/11\/Laptop-Shopping-Jakub-Zerdzicki-Featured-Unsplash.png 1000w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/11\/Laptop-Shopping-Jakub-Zerdzicki-Featured-Unsplash-300x240.png 300w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/11\/Laptop-Shopping-Jakub-Zerdzicki-Featured-Unsplash-768x614.png 768w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/11\/Laptop-Shopping-Jakub-Zerdzicki-Featured-Unsplash-325x260.png 325w\" sizes=\"(max-width: 600px) 100vw, 600px\" \/><center><em>Credit: Jakub \u017berdzicki\/Unsplash<\/em><\/enter><\/figure>\n<h3><span id=\"Shop_with_points\">Shop with points<\/span><\/h3>\n<p>You likely shop online with large retailers like Amazon or Best Buy. When you shop with select retailers, you can use your ThankYou Points towards your purchases to knock down the cost. While it's convenient, it tends to provide poor value \u2014 as low as 0.5\u00a2 per point. But as a last resort for random Citi points you have lying around, this might be your best bet.<\/p>\n<h2><span id=\"Application_Restrictions_and_Strategy\">Application Restrictions and Strategy<\/span><\/h2>\n<p>You'll see the following notice on the <a data-ccid=\"241\" href=\"\/blog\/link\/CitiStrataCard\" rel=\"noopener nofollow sponsored\">Citi Strata Card<\/a> card's application page:<\/p>\n<blockquote><p><em>&#8220;Bonus ThankYou<sup>\u00ae<\/sup>\u00a0Points are not available if you received a new account bonus for Citi Strata<sup>\u2120<\/sup>, Citi Strata Student, Citi Rewards+<sup>\u00ae<\/sup>\u00a0or 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<sup>\u2120<\/sup>, Citi Strata Student, Citi Rewards+<sup>\u00ae<\/sup>\u00a0or Citi Rewards+ Student account.&#8221;<\/em><\/p><\/blockquote>\n<p>That means if you earned a welcome bonus on the Citi Strata Card (or any other version of the card) in the past 48 months, you aren't eligible for this bonus. In addition, Citi has an 8\/65 rule that applicants must abide by to be approved. It means:<\/p>\n<ul>\n<li>You won't be approved for more than one Citi card in an eight-day period.<\/li>\n<li>You won't be approved for more than two Citi cards in a 65-day period.<\/li>\n<\/ul>\n<p>These rules are worth noting, as Citi offers multiple rewards credit cards worth considering.<\/p>\n<p><strong>Related: <a target=\"_blank\" href=\"\/credit-cards\/rewards-card-application-rules\/\" rel=\"noopener\">Understanding Rewards Credit Card Application Rules and Restrictions<\/a><\/strong><\/p>\n<h2><span id=\"Cards_That_Compete_With_the_Citi_Strata_Card\"><strong>Cards That Compete With the Citi Strata Card<\/strong><\/span><\/h2>\n<p>The <a data-ccid=\"241\" href=\"\/blog\/link\/CitiStrataCard\" rel=\"noopener nofollow sponsored\">Citi Strata Card<\/a> is a solid choice for consumers who want to earn valuable points without paying an annual fee. However, there are many others to choose from that also deliver great value to cardholders. Here's how the Citi Strata Card stacks up.<\/p>\n<ul>\n<li><strong>If you're eligible for a Chase card<\/strong>, consider the <a data-ccid=\"3006090\" href=\"https:\/\/awardwallet.com\/credit-cards\/chase-ultimate-rewards\/freedom-unlimited\/\">Chase Freedom Unlimited<sup>\u00ae<\/sup><\/a> (<a data-ccid=\"3006090\" href=\"https:\/\/click.linksynergy.com\/fs-bin\/click?id=g3lR0xvjyAU&offerid=1993744.10005134&type=3&subid=0d0b735e4208d95bf0f59171b2facc709&subid=639396\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a>). You'll earn 1.5% on all other purchases on everyday spending and can pair your earnings with other Chase cards to access Chase's transfer partners. This card also earns 5% back through \u00a0Chase Travel\u2120 and has no annual fee. Learn more in our <a target=\"_blank\" href=\"\/credit-cards\/chase-ultimate-rewards\/freedom-unlimited\/\" rel=\"noopener\">Chase Freedom Unlimited review<\/a>.<\/li>\n<li><strong>If you want to earn Capital One miles instead<\/strong>, look into the <a data-ccid=\"3006150\" href=\"https:\/\/awardwallet.com\/credit-cards\/capital-one-rewards\/venture-one-card\/\">Capital One VentureOne Rewards Credit Card<\/a>. This card charges no annual fee while earning 1.25X miles per dollar on every purchase, plus 5X miles on hotels, vacation rentals, and rental cars booked through Capital One Travel. It also has a 0% intro APR on purchases for 15 months and a 0% intro APR on balance transfers for 15 months (Balance transfer fee applies), then a Variable rate of 18.49% - 28.49%. Check out our <a target=\"_blank\" href=\"\/credit-cards\/capital-one-rewards\/venture-one-card\/\" rel=\"noopener\">review of the Capital One VentureOne<\/a> to find out more.<\/li>\n<li><strong>If you want a Citi card with a bigger bonus<\/strong>, 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> offers 60,000 Bonus Points after you spend $4,000 in purchases within the first 3 months of account opening (redeemable for $600 in gift cards or travel rewards at thankyou.com). It's not annual-fee-free like the Citi Strata Card; however, the nominal $95 fee isn't bad. Additionally, the card offers the best rates when transferring your ThankYou Points to Citi's transfer partners. Our <a target=\"_blank\" href=\"\/credit-cards\/citi-thankyou-rewards\/citi-strata-premier\/\" rel=\"noopener\">review of the Citi Strata Premier<\/a> can tell you more.<\/li>\n<\/ul>\n<div class=\"compare-cards-wrap compare-count-cards-3 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\/aef345f2-25d7-4d44-b7c7-e62661f0291c.png\" width=\"150\" alt=\"Chase Freedom Unlimited\u00ae\"\/ class=\"lazyload\"><\/div><\/div><div class=\"compare-name\">Chase Freedom Unlimited<sup>\u00ae<\/sup><\/div><div class=\"compare-offer\"><strong>Welcome Bonus<\/strong>\r\nLimited Time Offer: Earn a $250 Bonus after you spend $500 on purchases in your first 3 months from account opening<\/div><\/div><div class=\"compare-apply\"><a class=\"btn-use qs-apply-now\" title='Chase Freedom Unlimited\u00ae' data-ccid=\"3006090\" href=\"\/blog\/link\/ChaseFreedomUnlimited\" target=\"_blank\" rel=\"noopener nofollow sponsored\">Apply Now<\/a><\/div><div class=\"compare-fee-score\"><div class=\"compare-fee\"><strong>Annual Fee<\/strong><p>$0<span class=\"compare-terms\"><a data-ccid=\"3006090\" href=\"https:\/\/click.linksynergy.com\/fs-bin\/click?id=g3lR0xvjyAU&offerid=1993744.10005134&type=3&subid=0d0b735e4208d95bf0f59171b2facc709&subid=639396\" 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>Earn 5% on purchases through Chase Travel\u2120<\/li>\r\n<li>Earn 3% on dining at restaurants <\/li>\r\n<li>Earn 3% on drugstore purchases <\/li>\r\n<li>Earn 1.5% on all purchases <\/li>\r\n<\/ul><\/div><\/div><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\/650d711d-182b-4180-8b1d-4c31796da3cd.png\" width=\"150\" alt=\"Capital One VentureOne Rewards Credit Card\" class=\"lazyload\"><\/div><\/div><div class=\"compare-name\">Capital One VentureOne Rewards Credit Card<\/div><div class=\"compare-offer\"><strong>Welcome Offer<\/strong>\r\n20,000 Miles once you spend $500 on purchases within 3 months from account opening<\/div><\/div><div class=\"compare-apply\"><a data-ccid=\"3006150\" class=\"btn-use qs-how-apply\" title='Capital One VentureOne Rewards Credit Card' href=\"\/blog\/link\/CR-CapitalOneVentureOneRewardsCard\" target=\"_blank\" rel=\"noopener nofollow sponsored\">How to Apply<\/a><\/div><div class=\"compare-fee-score\"><div class=\"compare-fee\"><strong>Annual Fee<\/strong><p>$0<\/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>5 Miles per dollar on hotels, vacation rentals, and rental cars booked through Capital One Travel<\/li>\r\n<li>5 Miles per dollar on purchases through Capital One Entertainment<\/li>\r\n<li>1.25 Miles per dollar on every purchase, every day.<\/li>\r\n<\/ul><\/div><\/div><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>\n<p><strong>Related: <a target=\"_blank\" href=\"\/credit-cards\/citi-thankyou-rewards\/citi-no-annual-fee-card\/\" rel=\"noopener\">Citi's No Annual Fee Cards and the Strategy Behind How To Get Them<\/a><\/strong><\/p>\n<h2><span id=\"Final_Thoughts\">Final Thoughts<\/span><\/h2>\n<p>The <a data-ccid=\"241\" href=\"\/blog\/link\/CitiStrataCard\" rel=\"noopener nofollow sponsored\">Citi Strata Card<\/a><strong>\u00a0<\/strong>is a solid pick for anyone looking for a rewards credit card without an annual fee or complicated benefits to track. Instead, it offers great bonus categories and multiplies your points-earning and redeeming capabilities when paired with other Citi credit cards. And while you shouldn't use it outside the U.S. \u2014 because of its foreign transaction fees \u2014 it's an excellent card to use any time you're making small, everyday purchases.<\/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?v2026-4-143a6d5a52#share-square\" fill=\"currentColor\"><\/use><\/svg><\/a>\n        <\/div>\n","protected":false},"excerpt":{"rendered":"<p>The Citi Strata\u2120 Card earns Citi ThankYou\u00ae Points on all eligible purchases and does so without an annual fee. Its earning structure can be a powerful part of your ThankYou Points-earning strategy. Let&#8217;s take a deep look at this card to see if you should add it to your wallet.<\/p>\n","protected":false},"author":70,"featured_media":113144,"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":[12620,12785],"coauthors":[36392,36458],"class_list":["post-91207","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-credit-cards","tag-card-reviews","tag-citibank"],"acf":[],"yoast_head":"<title>Citi Strata\u2120 Card Review: Lucrative Earnings, No Annual Fee<\/title>\n<meta name=\"description\" content=\"The Citi Strata\u2120 Card has no annual fee and offers several lucrative bonus categories. Here&#039;s our full review of this credit card.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/awardwallet.com\/credit-cards\/citi-thankyou-rewards\/citi-strata-card\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Citi Strata Card Review: Multiply Your ThankYou\u00ae Point Earnings Without Paying an Annual Fee\" \/>\n<meta property=\"og:description\" content=\"The Citi Strata\u2120 Card has no annual fee and offers several lucrative bonus categories. Here&#039;s our full review of this credit card.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/awardwallet.com\/credit-cards\/citi-thankyou-rewards\/citi-strata-card\/\" \/>\n<meta property=\"og:site_name\" content=\"AwardWallet Blog\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/AwardWallet\/\" \/>\n<meta property=\"article:published_time\" content=\"2025-09-20T21:10:01+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-04-08T14:23:39+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2023\/06\/harsh-gupta-unsplash-friends-featured.png\" \/>\n\t<meta property=\"og:image:width\" content=\"1000\" \/>\n\t<meta property=\"og:image:height\" content=\"800\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"author\" content=\"Jenna Hansen, Samantha Holland\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@AwardWallet\" \/>\n<meta name=\"twitter:site\" content=\"@AwardWallet\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Jenna Hansen, Samantha Holland\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"8 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/awardwallet.com\/credit-cards\/citi-thankyou-rewards\/citi-strata-card\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/awardwallet.com\/credit-cards\/citi-thankyou-rewards\/citi-strata-card\/\"},\"author\":{\"name\":\"Jenna Hansen\",\"@id\":\"https:\/\/awardwallet.com\/blog\/#\/schema\/person\/5a0b0d63fb4b7ff4e2e1808b4fbd0271\"},\"headline\":\"Citi Strata Card Review: Multiply Your ThankYou\u00ae Point Earnings Without Paying an Annual Fee\",\"datePublished\":\"2025-09-20T21:10:01+00:00\",\"dateModified\":\"2026-04-08T14:23:39+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/awardwallet.com\/credit-cards\/citi-thankyou-rewards\/citi-strata-card\/\"},\"wordCount\":1830,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\/\/awardwallet.com\/blog\/#organization\"},\"image\":{\"@id\":\"https:\/\/awardwallet.com\/credit-cards\/citi-thankyou-rewards\/citi-strata-card\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2023\/06\/harsh-gupta-unsplash-friends-featured.png\",\"keywords\":[\"Card Reviews\",\"Citibank\"],\"articleSection\":[\"Credit Cards\"],\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\/\/awardwallet.com\/credit-cards\/citi-thankyou-rewards\/citi-strata-card\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/awardwallet.com\/credit-cards\/citi-thankyou-rewards\/citi-strata-card\/\",\"url\":\"https:\/\/awardwallet.com\/credit-cards\/citi-thankyou-rewards\/citi-strata-card\/\",\"name\":\"Citi Strata\u2120 Card Review: Lucrative Earnings, No Annual Fee\",\"isPartOf\":{\"@id\":\"https:\/\/awardwallet.com\/blog\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/awardwallet.com\/credit-cards\/citi-thankyou-rewards\/citi-strata-card\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/awardwallet.com\/credit-cards\/citi-thankyou-rewards\/citi-strata-card\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2023\/06\/harsh-gupta-unsplash-friends-featured.png\",\"datePublished\":\"2025-09-20T21:10:01+00:00\",\"dateModified\":\"2026-04-08T14:23:39+00:00\",\"description\":\"The Citi Strata\u2120 Card has no annual fee and offers several lucrative bonus categories. Here's our full review of this credit card.\",\"breadcrumb\":{\"@id\":\"https:\/\/awardwallet.com\/credit-cards\/citi-thankyou-rewards\/citi-strata-card\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/awardwallet.com\/credit-cards\/citi-thankyou-rewards\/citi-strata-card\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/awardwallet.com\/credit-cards\/citi-thankyou-rewards\/citi-strata-card\/#primaryimage\",\"url\":\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2023\/06\/harsh-gupta-unsplash-friends-featured.png\",\"contentUrl\":\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2023\/06\/harsh-gupta-unsplash-friends-featured.png\",\"width\":1000,\"height\":800,\"caption\":\"Credit: Harsh Gupta\/Unsplash\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/awardwallet.com\/credit-cards\/citi-thankyou-rewards\/citi-strata-card\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/awardwallet.com\/blog\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Citi Strata Card Review: Multiply Your ThankYou\u00ae Point Earnings Without Paying an Annual Fee\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/awardwallet.com\/blog\/#website\",\"url\":\"https:\/\/awardwallet.com\/blog\/\",\"name\":\"AwardWallet\",\"description\":\"Maximize your credit card rewards, airline miles, and hotel points. Choose the best rewards cards, earn more points and miles, get top travel deals!\",\"publisher\":{\"@id\":\"https:\/\/awardwallet.com\/blog\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/awardwallet.com\/blog\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Organization\",\"@id\":\"https:\/\/awardwallet.com\/blog\/#organization\",\"name\":\"AwardWallet\",\"url\":\"https:\/\/awardwallet.com\/blog\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/awardwallet.com\/blog\/#\/schema\/logo\/image\/\",\"url\":\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2017\/02\/AwardWallet_logo_horizontal.png\",\"contentUrl\":\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2017\/02\/AwardWallet_logo_horizontal.png\",\"width\":5000,\"height\":601,\"caption\":\"AwardWallet\"},\"image\":{\"@id\":\"https:\/\/awardwallet.com\/blog\/#\/schema\/logo\/image\/\"},\"sameAs\":[\"https:\/\/www.facebook.com\/AwardWallet\/\",\"https:\/\/x.com\/AwardWallet\"]},{\"@type\":\"Person\",\"@id\":\"https:\/\/awardwallet.com\/blog\/#\/schema\/person\/5a0b0d63fb4b7ff4e2e1808b4fbd0271\",\"name\":\"Jenna Hansen\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/awardwallet.com\/blog\/#\/schema\/person\/image\/927c608d6ba61c912e9133925cb68574\",\"url\":\"https:\/\/secure.gravatar.com\/avatar\/ce32bae33a421fe224ef48ebc18317599d654654f3293543eb531eadaaa3469c?s=96&d=mm&r=g\",\"contentUrl\":\"https:\/\/secure.gravatar.com\/avatar\/ce32bae33a421fe224ef48ebc18317599d654654f3293543eb531eadaaa3469c?s=96&d=mm&r=g\",\"caption\":\"Jenna Hansen\"},\"description\":\"Jenna Hansen began working for Award Wallet in 2022. She and her husband homeschool their four kids and spend a lot of their time traveling and learning through experiences. Jenna discovered points and miles in 2020 when she was looking for a way to be able to afford more expensive trips for her family. Once she came across other moms who were points and miles pros, she took the leap and has been hooked ever since. Jenna and her family live in California and like to spend time visiting the nearby Sierra Nevada mountains and the Central California coast. You can also catch them at Disneyland as often as possible!\",\"sameAs\":[\"https:\/\/www.instagram.com\/thetravelinghansens\"],\"url\":\"https:\/\/awardwallet.com\/blog\/author\/jennahansen\/\"}]}<\/script>","yoast_head_json":{"title":"Citi Strata\u2120 Card Review: Lucrative Earnings, No Annual Fee","description":"The Citi Strata\u2120 Card has no annual fee and offers several lucrative bonus categories. Here's our full review of this credit card.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/awardwallet.com\/credit-cards\/citi-thankyou-rewards\/citi-strata-card\/","og_locale":"en_US","og_type":"article","og_title":"Citi Strata Card Review: Multiply Your ThankYou\u00ae Point Earnings Without Paying an Annual Fee","og_description":"The Citi Strata\u2120 Card has no annual fee and offers several lucrative bonus categories. Here's our full review of this credit card.","og_url":"https:\/\/awardwallet.com\/credit-cards\/citi-thankyou-rewards\/citi-strata-card\/","og_site_name":"AwardWallet Blog","article_publisher":"https:\/\/www.facebook.com\/AwardWallet\/","article_published_time":"2025-09-20T21:10:01+00:00","article_modified_time":"2026-04-08T14:23:39+00:00","og_image":[{"width":1000,"height":800,"url":"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2023\/06\/harsh-gupta-unsplash-friends-featured.png","type":"image\/png"}],"author":"Jenna Hansen, Samantha Holland","twitter_card":"summary_large_image","twitter_creator":"@AwardWallet","twitter_site":"@AwardWallet","twitter_misc":{"Written by":"Jenna Hansen, Samantha Holland","Est. reading time":"8 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/awardwallet.com\/credit-cards\/citi-thankyou-rewards\/citi-strata-card\/#article","isPartOf":{"@id":"https:\/\/awardwallet.com\/credit-cards\/citi-thankyou-rewards\/citi-strata-card\/"},"author":{"name":"Jenna Hansen","@id":"https:\/\/awardwallet.com\/blog\/#\/schema\/person\/5a0b0d63fb4b7ff4e2e1808b4fbd0271"},"headline":"Citi Strata Card Review: Multiply Your ThankYou\u00ae Point Earnings Without Paying an Annual Fee","datePublished":"2025-09-20T21:10:01+00:00","dateModified":"2026-04-08T14:23:39+00:00","mainEntityOfPage":{"@id":"https:\/\/awardwallet.com\/credit-cards\/citi-thankyou-rewards\/citi-strata-card\/"},"wordCount":1830,"commentCount":0,"publisher":{"@id":"https:\/\/awardwallet.com\/blog\/#organization"},"image":{"@id":"https:\/\/awardwallet.com\/credit-cards\/citi-thankyou-rewards\/citi-strata-card\/#primaryimage"},"thumbnailUrl":"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2023\/06\/harsh-gupta-unsplash-friends-featured.png","keywords":["Card Reviews","Citibank"],"articleSection":["Credit Cards"],"inLanguage":"en-US","potentialAction":[{"@type":"CommentAction","name":"Comment","target":["https:\/\/awardwallet.com\/credit-cards\/citi-thankyou-rewards\/citi-strata-card\/#respond"]}]},{"@type":"WebPage","@id":"https:\/\/awardwallet.com\/credit-cards\/citi-thankyou-rewards\/citi-strata-card\/","url":"https:\/\/awardwallet.com\/credit-cards\/citi-thankyou-rewards\/citi-strata-card\/","name":"Citi Strata\u2120 Card Review: Lucrative Earnings, No Annual Fee","isPartOf":{"@id":"https:\/\/awardwallet.com\/blog\/#website"},"primaryImageOfPage":{"@id":"https:\/\/awardwallet.com\/credit-cards\/citi-thankyou-rewards\/citi-strata-card\/#primaryimage"},"image":{"@id":"https:\/\/awardwallet.com\/credit-cards\/citi-thankyou-rewards\/citi-strata-card\/#primaryimage"},"thumbnailUrl":"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2023\/06\/harsh-gupta-unsplash-friends-featured.png","datePublished":"2025-09-20T21:10:01+00:00","dateModified":"2026-04-08T14:23:39+00:00","description":"The Citi Strata\u2120 Card has no annual fee and offers several lucrative bonus categories. Here's our full review of this credit card.","breadcrumb":{"@id":"https:\/\/awardwallet.com\/credit-cards\/citi-thankyou-rewards\/citi-strata-card\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/awardwallet.com\/credit-cards\/citi-thankyou-rewards\/citi-strata-card\/"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/awardwallet.com\/credit-cards\/citi-thankyou-rewards\/citi-strata-card\/#primaryimage","url":"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2023\/06\/harsh-gupta-unsplash-friends-featured.png","contentUrl":"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2023\/06\/harsh-gupta-unsplash-friends-featured.png","width":1000,"height":800,"caption":"Credit: Harsh Gupta\/Unsplash"},{"@type":"BreadcrumbList","@id":"https:\/\/awardwallet.com\/credit-cards\/citi-thankyou-rewards\/citi-strata-card\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/awardwallet.com\/blog\/"},{"@type":"ListItem","position":2,"name":"Citi Strata Card Review: Multiply Your ThankYou\u00ae Point Earnings Without Paying an Annual Fee"}]},{"@type":"WebSite","@id":"https:\/\/awardwallet.com\/blog\/#website","url":"https:\/\/awardwallet.com\/blog\/","name":"AwardWallet","description":"Maximize your credit card rewards, airline miles, and hotel points. Choose the best rewards cards, earn more points and miles, get top travel deals!","publisher":{"@id":"https:\/\/awardwallet.com\/blog\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/awardwallet.com\/blog\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Organization","@id":"https:\/\/awardwallet.com\/blog\/#organization","name":"AwardWallet","url":"https:\/\/awardwallet.com\/blog\/","logo":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/awardwallet.com\/blog\/#\/schema\/logo\/image\/","url":"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2017\/02\/AwardWallet_logo_horizontal.png","contentUrl":"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2017\/02\/AwardWallet_logo_horizontal.png","width":5000,"height":601,"caption":"AwardWallet"},"image":{"@id":"https:\/\/awardwallet.com\/blog\/#\/schema\/logo\/image\/"},"sameAs":["https:\/\/www.facebook.com\/AwardWallet\/","https:\/\/x.com\/AwardWallet"]},{"@type":"Person","@id":"https:\/\/awardwallet.com\/blog\/#\/schema\/person\/5a0b0d63fb4b7ff4e2e1808b4fbd0271","name":"Jenna Hansen","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/awardwallet.com\/blog\/#\/schema\/person\/image\/927c608d6ba61c912e9133925cb68574","url":"https:\/\/secure.gravatar.com\/avatar\/ce32bae33a421fe224ef48ebc18317599d654654f3293543eb531eadaaa3469c?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/ce32bae33a421fe224ef48ebc18317599d654654f3293543eb531eadaaa3469c?s=96&d=mm&r=g","caption":"Jenna Hansen"},"description":"Jenna Hansen began working for Award Wallet in 2022. She and her husband homeschool their four kids and spend a lot of their time traveling and learning through experiences. Jenna discovered points and miles in 2020 when she was looking for a way to be able to afford more expensive trips for her family. Once she came across other moms who were points and miles pros, she took the leap and has been hooked ever since. Jenna and her family live in California and like to spend time visiting the nearby Sierra Nevada mountains and the Central California coast. You can also catch them at Disneyland as often as possible!","sameAs":["https:\/\/www.instagram.com\/thetravelinghansens"],"url":"https:\/\/awardwallet.com\/blog\/author\/jennahansen\/"}]}},"_links":{"self":[{"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/posts\/91207","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=91207"}],"version-history":[{"count":56,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/posts\/91207\/revisions"}],"predecessor-version":[{"id":251815,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/posts\/91207\/revisions\/251815"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/media\/113144"}],"wp:attachment":[{"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/media?parent=91207"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/categories?post=91207"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/tags?post=91207"},{"taxonomy":"author","embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/coauthors?post=91207"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}