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Citi Strata Card Now Available — Including a Fresh Look and Welcome Bonus Offer

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Juan Ruiz
Updated: 
Edited by: Ryan Smith
& Jestan Mendame
Citi Strata Card Now Available — Including a Fresh Look and Welcome Bonus Offer
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We may be compensated when you click on a link, when an application is approved, or when an account is opened from one or more of our advertising partners. Terms apply to the offers below. See our Advertising Policy for more about our partners, how we make money, and our rating methodology. Opinions and recommendations are ours alone.

Citi has officially launched the Citi Strata℠ Card — now open to new applicants for the first time.

Previously only available to existing Citi Rewards+® cardholders through product changes, the Citi Strata card now has a new welcome bonus offer and refreshed perks. This $0-annual-fee card is part of Citi’s effort to expand its Strata lineup, joining the recently refreshed Citi Strata Premier℠ Card and the new, premium member of the lineup, the Citi Strata Elite℠ Card.

Read on for everything you need to know about the welcome offer, earning rates, and how the Citi Strata card stacks up.

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Citi Strata Card’s New Welcome Bonus Offer

The Citi Strata card is now open to new applicants and debuts with a welcome offer: Earn 30,000 bonus ThankYou Points after spending $1,000 within the first 3 months of account opening.

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Image Credit: Upgraded Points

The 30,000-point welcome bonus is incredibly versatile and can be redeemed for travel, gift cards, merchandise, or statement credits through CitiTravel.com. However, transferring to Citi’s travel partners typically unlocks the highest value per point.

To take your Citi ThankYou Rewards even further, cardholders can pair the Citi Strata card with a premium Citi ThankYou Points-earning card — like the Citi Strata Premier card, the legacy Citi Prestige® Card (not available to new applicants), or the brand-new Citi Strata Elite card.

This combination allows you to pool your points and unlock the ability to transfer them to all of Citi’s airline and hotel partners, most at a 1:1 ratio — often the most rewarding way to redeem your points. Unfortunately, those with only a no-annual-fee card don’t get access to American AAdvantage transfer and their points transfer to other programs at a lower ratio.

Update:

Citi now allows no-annual-fee cards to transfer ThankYou Points to all of its transfer partners, including American Airlines AAdvantage. More details here.

For a card with a $0 annual fee, this bonus provides a valuable incentive to apply — especially if you want to add a rewards card to your wallet without ongoing costs.

Earning Rates

The Citi Strata card offers impressive earning potential across a wide range of popular everyday spending categories. With multiple bonus categories that span both travel and daily essentials, cardholders can quickly rack up points without needing to rely on just one area of spending.

Here’s how the earning structure breaks down:

  • 5x points on hotels, car rentals, and attractions booked through CitiTravel.com
  • 3x points at supermarkets
  • 3x points on select transit, including gas stations, EV charging, and public transportation
  • 3x points on 1 category of your choice each quarter, with options like fitness clubs, streaming services, live entertainment, beauty salons, or pet supply stores
  • 2x points at restaurants
  • 1x point on everything else

These boosted rates across common categories help you earn faster on the purchases you’re probably already making.

Hot Tip:

Want to dive deeper into what makes this card stand out? Check out our complete guide on the benefits and perks of the Citi Strata card.

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Final Thoughts

The Citi Strata card is officially live and open to new applicants, and it includes a generous welcome bonus offer plus a $0 annual fee.

Thanks to its strong earning rates across everyday and travel categories, it’s a compelling option on its own. But where it really shines is when it’s held as part of a broader Citi strategy. Pair it with a premium ThankYou Points-earning card to unlock even more value through transfer partners.

Featured Image Credit: Upgraded Points LLC
Juan Ruiz's image

About Juan Ruiz

Juan is a leading expert in credit cards, loyalty programs, and airlines and hotels, with over a decade of experience helping readers and clients maximize points, miles, and travel value. His insights have appeared in prestigious outlets including USA Today, Travel & Leisure, CNN Underscored, Forbes, and The Points Guy, where he’s known for making complex travel strategies accessible and actionable. As the founder of JetBetter, Juan turns the complex world of points and miles into effortless, high-value travel, guiding clients through award redemptions, uncovering maximum value, and delivering stress-free, expertly planned trips that both travelers and industry insiders rely on.

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