| Category | Rate | Type | Cap |
|---|---|---|---|
|
Hotels, Car Rentals, and Attractions via Citi Travel
Earn 5 ThankYou Points per $1 spent on hotels, car rentals, and attractions booked through cititravel.com with no annual cap.
|
5x | Points | No cap |
|
Supermarkets
Earn 3 ThankYou Points per $1 spent at supermarkets with no annual cap.
|
3x | Points | No cap |
|
Select Transit and Gas and EV Charging Stations
Earn 3 ThankYou Points per $1 spent on select transit and at gas and EV charging stations with no annual cap.
|
3x | Points | No cap |
|
Self-Select Category
Earn 3 ThankYou Points per $1 on one eligible Self-Select Category chosen by the cardmember from: Fitness Clubs, Select Streaming Services, Live Entertainment, Cosmetic Stores/Barber Shops/Hair Salons, or Pet Supply Stores; default is Select Streaming Services; can be changed once per calendar quarter at citi.com/selfselect.
|
3x | Points | No cap |
|
Dining
Earn 2 ThankYou Points per $1 spent at restaurants with no annual cap.
|
2x | Points | No cap |
|
All Other Purchases
Earn 1 ThankYou Point per $1 spent on all other purchases with no cap.
|
1x | Points | No cap |
| Benefit | Category | Value / Coverage |
|---|---|---|
|
Citi Flex Pay
Eligible purchases of $75 or more can be split into fixed monthly payments using Citi Flex Pay with no application or credit check required while continuing to earn ThankYou Points.
|
Financial | Complimentary |
|
Flexible Payment Due Date
Cardmembers can choose their billing due date from available dates at the beginning, middle, or end of the month.
|
Financial | Complimentary |
|
Introductory APR on Purchases and Balance Transfers
New cardmembers receive a low introductory APR on both purchases and balance transfers for a promotional period from account opening; standard variable APR applies after the introductory period ends.
|
Financial | Intro APR for limited period |
|
No Annual Fee
The Citi Strata Card carries no annual fee.
|
Financial |
$0
Up to $0
|
|
No Authorized User Fee
Cardmembers can add authorized users at no additional cost and earn ThankYou Points faster on their purchases.
|
Financial |
$0
Up to $0
|
|
Citi Entertainment Access
Cardmembers get special access to purchase tickets to thousands of events including presale tickets and exclusive experiences for concerts, sporting events, and arts and culture through Citi Entertainment.
|
Lifestyle | Complimentary |
|
24/7 Customer Service
Live customer service representatives are available 24 hours a day, 365 days a year by calling the number on the back of the card.
|
Other | Complimentary |
|
Automatic Account Alerts
Cardmembers can opt into automatic alerts via email or text for balance updates, payment reminders, and credit limit notifications.
|
Other | Complimentary |
|
Citi Mobile App
Cardmembers can manage their account, view balances, make payments, and access card features anytime through the Citi Mobile App.
|
Other | Complimentary |
|
Digital Wallet Compatibility
The card is compatible with major digital wallets enabling contactless payments online, in-app, and in stores.
|
Other | Complimentary |
|
Free FICO Score Access
Cardmembers receive complimentary online access to their FICO Score to help monitor and understand their credit history.
|
Other | Complimentary |
|
Paperless Statements
Cardmembers can opt into paperless statements and electronic communications to receive statements and most legal notices online.
|
Other | Complimentary |
|
Pre-Qualification Tool
Prospective applicants can check if they are pre-qualified for the Citi Strata Card online with no impact to their credit score before formally applying.
|
Other | Complimentary |
|
1x Points on All Other Purchases
Earn 1 ThankYou Point per $1 spent on all other purchases with no cap.
|
Rewards | 1x points |
|
2x Points at Restaurants
Earn 2 ThankYou Points per $1 spent at restaurants with no annual cap.
|
Rewards | 2x points |
|
3x Points at Supermarkets
Earn 3 ThankYou Points per $1 spent at supermarkets with no annual cap.
|
Rewards | 3x points |
|
3x Points on Select Transit and Gas and EV Charging Stations
Earn 3 ThankYou Points per $1 spent on select transit and at gas and EV charging stations with no annual cap.
|
Rewards | 3x points |
|
3x Points on Self-Select Category
Earn 3 ThankYou Points per $1 on one eligible Self-Select Category of your choice — Fitness Clubs, Select Streaming Services, Live Entertainment, Cosmetic Stores/Barber Shops/Hair Salons, or Pet Supply Stores. The category defaults to Select Streaming Services and can be changed once per calendar quarter at citi.com/selfselect.
|
Rewards | 3x points on chosen category |
|
5x Points on Hotels, Car Rentals, and Attractions via Citi Travel
Earn 5 ThankYou Points per $1 spent on hotels, car rentals, and attractions booked through cititravel.com with no annual cap.
|
Rewards | 5x points |
|
ThankYou Points Redemption Flexibility
Redeem ThankYou Points for travel through cititravel.com, gift cards, statement credits, direct deposits, Shop with Points at Amazon and PayPal, and more at thankyou.com.
|
Rewards | Complimentary |
|
ThankYou Points Transfer to Airline and Hotel Partners
Transfer ThankYou Points to airline and hotel partners including JetBlue, Virgin Atlantic, Cathay Pacific, Eva Air, Choice Hotels, and The Leading Hotels of the World. There is no transfer fee and the minimum transfer is 1,000 points.
|
Rewards | Complimentary |
|
24-Hour Fraud Protection
Citi monitors the account around the clock and alerts cardmembers if unusual activity is detected.
|
Security | Complimentary |
|
Citi Quick Lock
Cardmembers can instantly block new charges on a misplaced card via the Citi Mobile App or citi.com while allowing existing recurring transactions to continue.
|
Security | Complimentary |
|
Contactless Pay with EMV Chip
The card includes chip-based technology with tap-to-pay capability for enhanced security and global acceptance at contactless payment terminals.
|
Security | Complimentary |
|
Mastercard ID Theft Protection
Mastercard's ID Theft Protection program monitors personal information chosen by the cardmember and sends alerts if suspicious activity is found. Free enrollment at mastercardidps.idprotectiononline.com.
|
Security | Complimentary |
|
Citi Travel Portal Access
Cardmembers can book flights, hotels, car rentals, and attractions through the Citi Travel portal using their card, ThankYou Points, or a combination of both, with access to over 1.4 million hotels and resorts worldwide.
|
Travel | Complimentary |
