Rewards & Earn Rates
2x
Dining
3x
Grocery
3x
Gas
1x
Other
5 points per $1 on hotels, car rentals and attractions booked on cititravel.com | 3 points per $1 at supermarkets, on select transit, at gas and EV charging stations, and on one eligible Self-Select Category | 2 points per $1 at restaurants | 1 point per $1 on all other purchases
Why We Choose It
The Citi Strata Card has no annual fee and earns 3 points per $1 at supermarkets, gas and EV charging stations, select transit and a Self-Select Category you choose. Its ThankYou Points can move to partners including American Airlines, JetBlue and Virgin Atlantic. It suits a no-fee earner who wants transferable points, and the 0% intro APR runs 15 months.
Pros & Cons
Pros
- No annual fee
- 3 points per $1 at supermarkets, gas and EV charging stations, select transit and a Self-Select Category
- 0% intro APR for 15 months on purchases and balance transfers
- ThankYou Points transfer to airline and hotel partners
Cons
- 18.74% to 28.74% variable APR after the intro period
- 5 points per $1 applies only to bookings on cititravel.com
- Bonus not available if you have or had a Citi Strata or Citi Strata Student account
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