Citi · Mastercard World Elite · Personal
Citi Strata
A no-annual-fee card earning ThankYou Points: 5× on 3 categories, 1× on everything else.
- Annual fee
- $0No annual fee
- Signup bonus
- 20,000 ≈ $333 in travel (our estimate)*
- Top rate
- 5×3 categories
- Point value
- 1.67¢ In travel · 1¢ as cash (our estimate)*
Year one and year two
Is it worth it for you?
Tick the credits you’d really use and enter what you spend. The ledger adds up the bonus, your points and the credits, less the fee.
| Line | Year one | Year two |
|---|---|---|
| Signup bonus 20,000 points · spend $1,000 on purchases in the first 3 months of account opening | $333 | – |
| Points on your spend Enter your spending | $0 | $0 |
| Credits you’d use No statement credits listed | $0 | $0 |
| Annual fee No annual fee | $0 | $0 |
| NetYear one includes the bonus · at your inputs · our estimates* | $333 | $0 |
The bonus needs $1,000 on purchases in the first 3 months of account opening.
Earning structure
11 categories, 4 rates
| Icon | Category | Points per $1 | Worth per $100 (our estimate)* |
|---|---|---|---|
| Car Rentals (Portal) | 5× | $8.33 | |
| Hotels (Portal) | 5× | $8.33 | |
| Travel (Portal) | 5× | $8.33 | |
| EV Charging | 3× | $5.00 | |
| Gas Stations | 3× | $5.00 | |
| Gas Stations | 3× | $5.00 | |
| Groceries | 3× | $5.00 | |
Quarterly Categories Notes3x ThankYou points on ONE self-selected category per quarter, with options including fitness clubs, select streaming services, live entertainment, pet supply stores, cosmetic stores, barber shops, and hair salons. | 3× | $5.00 | |
| Transit | 3× | $5.00 | |
| Dining | 2× | $3.33 | |
| All Other | 1× | $1.67 |
The rest of the card
Details, rules and benefits
Card details
- Annual fee
- None
- Card type
- Personal
- Network
- Mastercard World Elite
- Bank
- Citi
- Point system
- ThankYou Points
- Travel value (our estimate)*
- 1.67¢ per point
- Cash value (our estimate)*
- 1¢ per point
- Foreign transaction fee
- Yes
- Transfer partners
- No
- Travel portal redemption
- Yes
- Cash to travel
- No
Application rules5
- Citi 1/8
You'll be declined if you apply for a second Citi card (business and/or personal) within 8 days.
- Citi 2/65
You'll be declined if you apply for a third Citi card within 65 days
- Citi 6/6
You'll be declined if there are 6 or more hard inquiries on your credit report the past 6 months.
- No 5/24
Card approval not subject to 5-personal-cards-in-24-months rule
- 48 from Bonus
You'll be declined if you've received a bonus from this card in past 48 months.
Alternatives
Head to head with similar cards
 Citi Strata |  Citi Strata Premier |  AT&T Points Plus |  Amazon | |
|---|---|---|---|---|
| Annual fee | $0 | $95+$95 | $0Same | $0Same |
| Signup bonus | 20,000 pts | 60,000 pts | None | $50 |
| Top rate | 5×3 categories | 10×3 categories | 3×Gas Stations, EV Charging | 3×4 categories |
| Travel value * | 1.67¢ThankYou Points | 1.67¢ThankYou Points | 1.67¢ThankYou Points | –Cash back |
| Why it’s here | This card | Same issuer and the same ThankYou Points | Same issuer and the same ThankYou Points | Also no annual fee |
Video and discussion
Nothing plays until you press play.
* Point valuations are RICH with POINTS™ editorial estimates, averaged from published valuations by The Points Guy, Upgraded Points, and Frequent Miler. They are not issuer figures and do not represent guaranteed redemption value.
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