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Citi Strata Card
A relevant missing Citi everyday rewards card now that the Strata family has expanded beyond Premier.
Last verified Apr 6, 2026. Confirm live issuer terms before applying.
Bottom line
Low-friction option if the rewards match your spend
- Best fit
- Best fit if groceries and gas is already in your budget and the card perks match your routine.
- Watch out
- Low fee drag, but still compare the rewards against simpler cards.
Bonus ROI
N/A
Needs a listed spend threshold
Annual fee
No fee
No yearly fee listed
Credit needed
Good+
Issuer approval tier
Required spend
No listed offer
No active spend hurdle
Groceries
3x
Gas
3x
Dining
3x
General spending
1x
Credits And Perks
What actually offsets the fee
Citi ThankYou Rewards Access
Strata cards keep you in Citi’s ThankYou-style rewards ecosystem for travel or statement-credit redemptions.
Everyday Category Coverage
The card is designed to deliver stronger value on everyday spend categories without carrying an annual fee.
No Annual Fee
You can keep the card long term without paying a recurring annual fee.
Travel Rewards Ecosystem
The card is designed to fit into a broader travel-rewards setup through issuer redemptions, hotel stays, flights, or travel-portal bookings.
Issuer Offer
Check the live terms before applying
Confirm the welcome offer, annual fee, credits, and eligibility rules on the issuer site.
Go to issuer offerCompare Next
Pressure-test this card against real alternatives
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