Advertiser Disclosure

Many of the credit card offers that appear on this site are from credit card companies from which we receive financial compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). However, the credit card information that we publish has been written and evaluated by experts who know these products inside out. We only recommend products we either use ourselves or endorse. This site does not include all credit card companies or all available credit card offers that are on the market. See our advertising policy here where we list advertisers that we work with, and how we make money. You can also review our credit card rating methodology.

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

Juan Ruiz's image
Juan Ruiz
Edited by: Ryan Smith
& Jestan Mendame
Jump to Section

We may be compensated when you click on product links, such as credit cards, 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.

Advertisement

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.

Citi Strata Card ring finger Upgraded Points LLC
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.

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.

Advertisement

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.

Juan Ruiz's image

About Juan Ruiz

Juan has extensive experience in writing and editing content related to credit cards, loyalty programs, and travel. He has been honing his expertise in this field for over a decade. His work has been featured in various prestigious publications, such as USA Today, CNN Underscored, Forbes and The Points Guy. Juan is the visionary behind JetBetter, a premier award booking concierge service.

INSIDERS ONLY: UP PULSE

Deluxe Travel Provided by UP Pulse

Get the latest travel tips, crucial news, flight & hotel deal alerts...

Plus — expert strategies to maximize your points & miles by joining our (free) newsletter.

We respect your privacy. This site is protected by reCAPTCHA. Google's privacy policy  and terms of service  apply.

Deluxe Travel Provided by UP Pulse
DMCA.com Protection Status