Strata
CitiNo annual feeWorld Elite Mastercard3% foreign transaction feeIssuer's page
A fair time to apply if the card fits how you spend.
Already have it? Keep it.
Welcome bonus
20,000points
after $1,000 in purchases in the first 3 months
48 Month Rule, 1 per 8 Days and 3 more. Am I eligible?
A typical spender, at Miles' point values.
| First-year value | Amount |
|---|---|
| Welcome bonus20,000 points at 1¢ | $200 |
| Rewards above a 2% no-fee cardvs Double Cash, on $32,500 typical spend | +$95 |
| Annual fee | $0 |
| Meeting the $1,000 minimumearns 1% here vs 2% on Double Cash | −$10 |
| First year | $285 |
| Each year after | +$95 |
With a Strata Premier: $274 a year
Earning
| Rate | Category | Return |
|---|---|---|
| 3X | Grocery Stores | 3% (4.5%) |
| 2X | Dining | 2% (3%) |
| 3X | Gas Stations | 3% (4.5%) |
| 5X | Hotels booked through Citi Travel | 5% (7.5%) |
| 1X | Everything else | 1% (1.5%) |
+ 5 more rates
| Rate | Category | Return |
|---|---|---|
| 3X | Self-select categoryFitness Clubs, Select Streaming Services, Live Entertainment, Cosmetic Stores/Barber Shops/Hair Salons, or Pet Supply Stores | 3% (4.5%) |
| 3X | Transit | 3% (4.5%) |
| 5X | Attractions booked through Citi Travel | 5% (7.5%) |
| 5X | Car rentals booked through Citi Travel | 5% (7.5%) |
| 3X | EV charging | 3% (4.5%) |
Personal card · Earns Citi ThankYou Rewards · Authorized user fee $0
Where this card ranks
What this card returns on each page, priced against what its points are worth. Open a page to see the card it crowns and why.
Benefits
Credits & Perks (1)
- Lyft: $5 (Monthly)
World Elite Mastercard benefit. Earn $5 credit each month by taking three eligible rides paid with your card
Other Perks
- Citi Entertainment presale access to exclusive events
- Complimentary FICO Score access
The Citi Strata family
Sources and methodology
First-year value is Miles' estimate for a typical spender: the welcome bonus at Miles' point values, plus the rewards this card earns above the best no-annual-fee card's everyday rate on a typical year of spending, plus credits at the share a typical holder uses rather than their face value, plus any certificate or free night earned in that year, minus the first-year fee and the cost of putting the minimum spend on this card instead of that one.
Lounge access, elite status, other benefits, purchase and travel protections, and a certificate or free night that arrives on the card's anniversary are listed beside the first-year figure, not in it. Each year after counts them, with the rewards and credits, less the annual fee. A credit or benefit that needs a spend or a stay counts only where its condition is printed beside it, and credits gated on spend most people never reach are left out.
The fee, offer, earning rates, credits and protections come from the card's record in the Miles dataset, kept against the issuer's own terms. The verdict line is chosen from a fixed set of sentences by Miles' analysis of the offer and the card; nothing on this page is written by hand for one card.
Recent changes
- changed from null to Citi StrataOct 8, 2026
- changed from null to pointsSep 30, 2026
- changed from true to falseSep 26, 2026
- changed from Slug: citi-strata-premier-card; Tier: 1; Tier name: Premier; Slug: citi-strata-elite-card; Tier: 3; Tier name: Elite to Slug: citi-strata-premier-card; Tier: 2; Tier name: Premier; Slug: citi-strata-elite-card; Tier: 3; Tier name: EliteSep 26, 2026
- changed from 2 to 1Sep 26, 2026
- changed from null to 1000Aug 13, 2026
- changed from null to 90Aug 13, 2026