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New Citi Strata Card: $0 Annual Fee, Up to 5X Back on Spending

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After closing the Citi Rewards+® Card to new applicants in April 2025, Citi is retooling the card with a new look, new name and new features.

The new Citi Strata℠ Card has a $0 annual fee and earns bonus rewards in a variety of top spending categories for many people.

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(It's different from two similarly named but more expensive siblings: the $95-annual-fee Citi Strata Premier® Card and the $595-annual-fee Citi Strata Elite℠ Card)

Existing holders of the Citi Rewards+® Card will automatically be moved to the Citi Strata℠ Card on July 20, 2025. Applications for new cardholders will open in late 2025.

The reward rates on the Citi Strata℠ Card are a major improvement over its predecessor. The Citi Rewards+® Card earned 2 ThankYou points per $1 spent at supermarkets and gas stations up to a combined annual spend of $6,000, and 1 ThankYou point per $1 on all other purchases. By comparison, the Citi Strata℠ Card earns the following rewards:

  • 5x ThankYou points on hotels, car rentals and attractions booked on cititravel.com.

  • 3x ThankYou points at supermarkets.  

  • 3x ThankYou points on select transit and gas/EV stations.

  • 3x ThankYou points on an eligible self-select category of your choice including fitness clubs, select streaming services, live entertainment, cosmetic stores/barbershops/hair salons or pet supply stores.  

  • 2x ThankYou points at restaurants.  

  • 1x ThankYou points on all other purchases. 

The card also has a limited-time welcome offer for new cardholders: 30,000 ThankYou points after spending $1,000 within the first 3 months of account opening. One ThankYou point is worth 0.5 cent when redeemed for cash, so that welcome bonus is worth $150 in cash back. New cardholders also get a 0% intro APR on purchases and balance transfers for 15 months, and then the ongoing APR of 19.24%-29.24% Variable APR.

Other redemption options include gift cards and a statement credit. ThankYou points earned with the Citi Strata℠ Card may also be transferred to most of Citi's multiple travel partners, with the notable exception of American Airlines. Transfer ratios, however, aren't as favorable as they are for more expensive Citi cards:

Transfer ratios will vary depending on which card you have.

Airlines

  • Aeromexico (1:1 or 1:0.7 ratio).

  • American Airlines (1:1 ratio, for holders of eligible Citi Strata credit cards and the legacy Citi Prestige® Card).

  • Air France/KLM (1:1 or 1:0.7 ratio).

  • Asia Miles (1:1 or 1:0.7 ratio).

  • Avianca (1:1 or 1:0.7 ratio).

  • Emirates (1:0.8 or 1:0.56 ratio).

  • Etihad (1:1 or 1:0.7 ratio).

  • Eva Air (1:1 or 1:0.7 ratio).

  • JetBlue (1:1 or 1:0.7 ratio).

  • Qantas (1:1 or 1:0.7 ratio).

  • Qatar Airways (1:1 or 1:0.7 ratio).

  • Singapore Airlines (1:1 or 1:0.7 ratio).

  • Thai Airways (1:1 or 1:0.7 ratio).

  • Turkish Airlines (1:1 or 1:0.7 ratio).

  • Virgin Atlantic (1:1 or 1:0.7 ratio).

Hotels

  • Accor Live Limitless (2:1 or 2:0.7 ratio).

  • Choice Hotels (1:2 or 1:1.4 ratio).

  • The Leading Hotels of the World (5:1 or 5:0.7 ratio).

  • Preferred Hotels & Resorts (1:4 or 1:2.8 ratio).

  • Wyndham (1:1 ratio or 1:0.7 ratio).

Events

  • Virgin Red (1:1 or 1:0.7 ratio).

Notably, some of the features that made the Citi Rewards+® Card unique — including its 10% points bonus on the first 100,000 points redeemed annually, and its automatic rewards "roundup" to the nearest 10 points on each purchase — will not be ongoing features of the new Citi Strata℠ Card. However, those who opened a Citi Rewards+® Card between July 20, 2024, through July 19, 2025, will retain the points bonus and roundup feature until July 19, 2026, a Citi spokesperson confirmed.

Information related to the Citi Rewards+® Card and the Citi Prestige® Card has been collected by NerdWallet and has not been reviewed or provided by the issuer of these products.

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