Citi Strata
The Citi Strata from Citi earns up to 2.4% effective value on grocery in Madeen's catalog snapshot. It has no annual fee. New applicants may see: Earn 30,000 bonus points after spending $1,000 in the first 3 months. Madeen compares this card against the cards you already carry — no bank login required.
- Top category
- Grocery
- Effective value
- 2.4%
- Annual fee
- $0
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Madeen compares public issuer terms with its card-rule catalog. Issuer pages control rewards, fees, benefits, exclusions, and eligibility; Madeen does not issue cards, make approval decisions, or provide financial advice.
What does the Citi Strata earn in each category?
Grocery is the strongest category at 2.4% effective value (3x points at about 0.8 cents each). That grocery rate ranks higher than about 94% of the 1,552 cards we track in that category. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
Grocery is the strongest category at 2.4% effective value (3x points at about 0.8 cents each). That grocery rate ranks higher than about 94% of the 1,552 cards we track in that category.
| Category | Earn rate | Effective value |
|---|---|---|
| Dining Restaurants, cafes, takeout | 2x points | 1.6% |
| Grocery Supermarkets and grocery stores | 3x points | 2.4% Top category |
| Gas Gas stations and fuel | 3x points | 2.4% |
| Travel Flights, hotels, transit | 3x points | 2.4% |
| Other General everyday spend | 3x points | 2.4% |
Madeen values Citi ThankYou Rewards at about 0.8 cents each. Madeen compares every card using this cash-equivalent estimate while still showing the raw earn rate for context.
What are the Citi Strata reward caps and conditions?
The Citi Strata has 5 notable cap or condition rule(s) in Madeen's catalog, including activation windows, spend limits, and category exclusions. Review each bullet below before assuming unlimited earn rates. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
- Earn 3x points on an eligible Self-Select Category of your choice: Fitness Clubs, Select Streaming Services, Live Entertainment, Cosmetic Stores/Barber Shops/Hair Salons and Pet Supply Stores
- 2 points per dollar spent at Restaurants
- 3 points per dollar spent at Gas & EV Charging Stations
- 3 points per dollar spent at Supermarkets
- 3 points per dollar spent on Select Transit
Who should get the Citi Strata?
The Citi Strata fits spenders who put meaningful volume in grocery and can earn 3x points. Best for spenders who put meaningful volume in grocery and can earn 3x points. The welcome bonus can help if you can meet the spend requirement.
Citi Strata is useful when you want a no-annual-fee self-select category without quarterly activation hoops. Madeen compares its effective rate against Cash+ and flat-rate cards for the categories you actually spend on.
Best for spenders who put meaningful volume in grocery and can earn 3x points. The welcome bonus can help if you can meet the spend requirement.
Foreign transaction fees make it weaker for international spend.
Good no-fee flex card when one category dominates your budget; pair with a flat-rate fallback for everything else.
Pros
- Self-select bonus category including fitness clubs and live entertainment options
- No annual fee and everyday earn on supermarkets, gas, and transit under current Citi terms
Cons
- ThankYou point value depends on redemption
- Only one elevated category at a time, so mixed spend may need a second card
Does the Citi Strata have an annual fee, and what's the welcome bonus?
The Citi Strata has an annual fee of $0 and a foreign transaction fee of $3. New applicants may see: Earn 30,000 bonus points after spending $1,000 in the first 3 months. Confirm current issuer terms before applying. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
- Annual fee
- $0
- Foreign transaction fee
- $3
- Signup bonus
- Earn 30,000 bonus points after spending $1,000 in the first 3 months
What benefits come with the Citi Strata?
The Citi Strata includes Access FICO® Score, Citi Entertainment®, Citi Travel® in our snapshot. Perks and benefits can change; verify coverage on the issuer site before you rely on them. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
- Access FICO® Score
Get free access to your FICO® Score online to review your credit history.
- Citi Entertainment®
Citi Entertainment® is an entertainment access program available to eligible Citi® credit card and Citibank® Debit Card customers. Citi cardmembers get special access to purchase tickets to thousands of events, including presale tickets and exclusive experiences to the year's most anticipated concerts, sporting events, arts and culture experiences. To learn more, visit citientertainment.com
- Citi Travel®
With Citi Travel®, you can book flights, hotels, car rentals and attractions using your eligible Citi card, points or a combination of both. Citi Travel offers access to over 1.4 million hotels and resorts available worldwide.
- Global emergency servicesIncluded with Standard Mastercard
Call 1-800-MASTERCARD (1-800-627-8372) for 24/7 assistance to report a lost or stolen card.
- HealthLockIncluded with Standard Mastercard
Enjoy a HealthLock for Mastercard Medical Claim Monitor complimentary membership plus a 90-day upgrade to all HealthLock services at no monthly cost.
- InstacartIncluded with Standard Mastercard
Groceries and more delivered in as fast as one hour. Get $10 off your second order each month, and new Instacart+ members can also get three free months of Instacart+.
- Mastercard ID Theft ProtectionIncluded with Standard Mastercard
Monitor your credit file for fraud, get alerts for suspicious activity and access a resolution specialist.
- Mastercard Music and Entertainment Access benefitIncluded with Standard Mastercard
Mastercard gives you exclusive access to ticket presales at top venues and festivals across the U.S. Eligibility restrictions, exclusions and terms apply. Offer expires 3/31/2027.
Common questions about the Citi Strata
Does the Citi Strata have an annual fee?
The Citi Strata carries an annual fee of $0 in Madeen's catalog snapshot. Issuer terms can change, so confirm the current fee on the issuer's site before you apply. Madeen does not predict approval or prequalification. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
What category earns the most with the Citi Strata?
Grocery is the strongest Madeen category for the Citi Strata at about 2.4% effective value, based on our catalog snapshot and standard point valuations. Other categories are listed in the effective-rate table on this page. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
Does the Citi Strata charge foreign transaction fees?
The Citi Strata charges a foreign transaction fee of $3 in our catalog snapshot. Check issuer terms before international spend because rates and fee waivers can change. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
What is the Citi Strata welcome bonus?
The Citi Strata welcome offer in our snapshot: Earn 30,000 bonus points after spending $1,000 in the first 3 months. Minimum spend, eligibility, and offer windows are set by the issuer and can change. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
What credit score do you need for the Citi Strata?
Madeen's catalog lists a typical credit range of Good for the Citi Strata. Issuers decide approval using their own criteria; Madeen does not predict approval odds or prequalification. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
How do you redeem rewards on the Citi Strata?
Rewards on the Citi Strata post as Citi ThankYou Rewards. Redemption value depends on how you use Citi ThankYou Rewards (statement credit, travel, transfers, or issuer portals). Madeen shows effective cash-equivalent rates using standard valuations. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
How does the Citi Strata compare to similar cards?
Compare the Citi Strata against Citi Dividend (5% on Grocery, $0 fee); AllModern Mastercard (3% on Grocery, $0 fee); American Airlines AAdvantage MileUp Mastercard (3% on Grocery, $0 fee). Madeen ranks effective value by category and annual fee using the same catalog snapshot dated 2026-05-01.
| Card | Top category | Effective value | Annual fee |
|---|---|---|---|
Citi Strata This card | Grocery | 2.4% | $0 |
Citi | Grocery | 5% | $0 |
| Grocery | 3% | $0 | |
| Grocery | 3% | $0 | |
| Grocery | 3% | $0 |
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