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Is the Citi Strata Card the Secret Weapon for Earning Big Without Ever Paying a Fee?

Is the Citi Strata Card the Secret Weapon for Earning Big Without Ever Paying a Fee?

To increase your likelihood of approval, you’ll need a recommended credit score of 670 or higher.

Whether your account was converted or you’re thinking of applying for the card, read ahead to learn how this card stands out.

The information for the Citi Rewards+ has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.

Citi Strata Card pros and cons

Pros Cons
  • Bonus points on travel booked through the Citi travel portal
  • Wide range of bonus-earning categories, including supermarkets and transit, gas and electric vehicle charging
  • Self-select bonus category that you can change each quarter
  • No earning limit on bonus categories
  • No annual fee
  • Poorer transfer ratios than premium Citi cards
  • No points rebate
  • No lounge access

Citi Strata Card welcome offer

New applicants for the Citi Strata can earn 30,000 bonus points after spending $1,000 on purchases within the first three months of account opening. Based on TPG’s July 2025 valuations, this welcome offer is worth $555.

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