【2025.7 Update】This card has officially launched on the official website, and the signup bonus is 30,000 points. But note that if you only hold this card, you cannot transfer TYP points to AA miles. You need a higher-tier Citi Strata Premier or Citi Strata Elite
This card can also transfer points, but there are only three transfer partners: JetBlue, Choice, Wyndham
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Citi Strata Rewards Introduction
Citi Strata Rewards Credit Card
A great everyday spending card with no annual fee
- Welcome bonus: 30,000 Thank You Points (spend $1,000 in three months)
- Rewards: 5x on hotel, car rental, and attractions bookings through Citi Travel; 3x at supermarkets, select transit, gas stations, and EV charging; 3x in one selected category (fitness clubs, streaming, live entertainment, beauty salons/barbershops, or pet supply stores); 2x on dining; 1x on all other purchases
- Redemption: If you also have a premium card, points can be transferred 1:1 to airline and hotel partners; you can also redeem for cash back
- Annual fee: $0
- Apply now>>
- This card can also transfer points to airline and hotel partners, but there are only three options: JetBlue, Choice, Wyndham
Review
Overall, this card still looks decent and is fairly well-rounded. It’s still worthwhile for a no-annual-fee card, since it offers 3x points on grocery, gas, and one selectable category. If you have a higher version of Citi Strata, you may be able to transfer points to more destinations than this one. It is a solid no-fee credit card. But because the 10% benefit and roundup feature—both hard to replace—are gone, this card becomes more of a supplemental card.
About Existing Users
According to community reports, existing Citi Rewards+ cardholders have already been automatically converted to Citi Strata. Separately, internal information indicates this Citi Strata card is being issued together with Citi Strata Elite. The signup bonus is 30,000 points, and interested users can apply when ready.
- Current Citi Rewards+ users will be automatically moved to this Citi Strata card on July 20, 2025, and will no longer receive the 10% redemption rebate, and they will no longer have the previous automatic roundup feature.
- However, if your Rewards+ account was opened after July 20, 2024, these two benefits will remain in effect automatically until July 19, 2026.
Before then, legacy card benefits stay as before. So if you are a recent applicant, you can max out the 10% rebate this year and next year. If you applied earlier, use the period before July 20 to max out the 10% point return. Transfer your points to the airline and hotel partners you need, and you’re done. Of course, you can also try moving another Citi card to your old card before July 20 and still use those two benefits to max them out.
No annual fee! Best paired with other Citi TYP credit cards
- Welcome bonus: No longer available to apply for, but you can product change.
- Rewards: 2x points at supermarkets and gas stations (on the first $6000 in purchases); 1x points on all other purchases. Earn at least 10 points per transaction.
- Redemption: If you also hold a premium card, points can be transferred 1:1 to airline miles or hotel points; get 10% points back on redemptions
- Annual fee: $0
- Apply now>>
Apply
- Bonus ThankYou® Points are not available if you received a new account bonus for Citi Strata℠, Citi Strata Student, Citi Rewards+® or Citi Rewards+ Student account in the past 48 months or if you converted another Citi credit card account on which you earned a new account bonus in the last 48 months into a Citi Strata℠, Citi Strata Student, Citi Rewards+® or Citi Rewards+ Student account.
- Citi application status link or call: 877-343-4118
- 8/65/95 rule: You can apply for only one personal card every 8 days, only two personal cards every 65 days, and only one business card every 95 days. This refers to application submission limits, regardless of whether you were approved or not.
- 24/48-month welcome bonus rule: If you have received a welcome bonus on a ThankYou Points card within the past 24 months, you will not be eligible to receive the bonus again. For AA products, the restriction is 48 months, but both rules apply only to the same card; there is no restriction across different card families.
- You can call the reconsideration line (800-763-9795) to speed up the credit card approval process or ask a representative to review a denied credit card application again.
- Having a Citi Checking/Gold relationship may help with your application.
- More about applying for Citi credit cards