Citi Strata
- Annual fee
- None
- Earns
- Citi ThankYou points
- Point value
- 1.9 CPP
Welcome offer
Earn 20,000 Citi ThankYou points after you spend $1,000 in 3 months
≈ $380 at 1.9 CPP
Earning rates
| Category | Earns | Return |
|---|---|---|
| Travel booked through Citi Travel | 5x | 9.5% |
| Groceries | 3x | 5.7% |
| Gas | 3x | 5.7% |
| Dining | 2x | 3.8% |
| Travel | 1x | 1.9% |
| Everything else | 1x | 1.9% |
Return is what each $1 of spend is worth with points valued at 1.9 CPP.
Transfer partners for Citi ThankYou points
| Partner | Ratio | Transfer time |
|---|---|---|
| Accor Live Limitless | 2:1 | Up to 48 hours |
| AeroMexico | 1:1 | Almost Instantly |
| American Airlines | 1:1 | Almost Instant |
| Avianca Airlines | 1:1 | Almost Instantly |
| Cathay Pacific | 1:1 | Almost Instantly |
| Choice | 1:1.5 | Almost Instantly |
| Emirates | 1:0.8 | Almost Instantly |
| Etihad | 1:1 | Almost Instantly |
| EVA Air | 1:1 | 2 days |
| Flying Blue AIR FRANCE KLM | 1:1 | Almost Instantly |
| Japan Airlines | 1:1 | Almost Instant |
| JetBlue | 1:1 | Almost Instantly |
| LHF Leaders Club | 5:1 | Almost Instantly |
| Preferred Hotels and Resorts | 1:2 | Almost Instantly |
| Qantas Airways | 1:1 | Almost Instantly |
| Qatar Airways | 1:1 | 2 days |
| Singapore Airlines | 1:1 | 2 days |
| Thai Airways | 1:1 | 4 days |
| Turkish Airlines | 1:1 | 1-2 Days |
| Virgin Atlantic | 1:1 | 2 days |
| Virgin Red | 1:1 | 2 days |
| Wyndham Rewards | 1:1 | Within 24 Hours |
Application rules
Counts toward 5/24
Opening it takes one of your Chase 5/24 slots.
Once per lifetime
You can't get this card's welcome bonus if you have or have ever had a Citi Strata or Citi Strata Student card. Citi may also deny the bonus based on your history of opening, closing and using credit cards.
1/8 and 2/65 velocity
Citi approves at most one personal card application every 8 days and no more than two every 65 days, so space out your Citi applications.
Product changes
- Upgrade to Strata Premier · You can ask Citi to upgrade after a year, but an upgrade doesn't earn a welcome bonus.
- Downgrade to Double Cash · A switch between no-annual-fee cards; your ThankYou points stay with you.
- Downgrade to Custom Cash · Citi closed the Custom Cash to new applicants in May 2026; some cardholders could still switch into it afterwards, but Citi doesn't guarantee it.
About the Citi Strata
The Citi Strata is a personal Mastercard card from Citi with no annual fee that earns Citi ThankYou points. It earns 5x on travel booked through Citi Travel, 3x on groceries, 3x on gas and 1x on everything else. The current welcome offer: earn 20,000 Citi ThankYou points after you spend $1,000 in 3 months. Points transfer to 22 airline and hotel partners, including Accor Live Limitless, AeroMexico and American Airlines. AwardHack values Citi ThankYou points at 1.9 CPP.
Frequently asked questions
What is the Citi Strata annual fee?
The Citi Strata has no annual fee.
What is the Citi Strata welcome bonus?
Earn 20,000 Citi ThankYou points after you spend $1,000 in 3 months. AwardHack values that at about $380.
Does the Citi Strata include airport lounge access?
No, the Citi Strata doesn't include airport lounge access.
Does the Citi Strata count toward Chase 5/24?
Opening it counts as one of your 5/24 slots.
Where can I transfer Citi ThankYou points?
To 22 partners: Accor Live Limitless (2:1), AeroMexico (1:1), American Airlines (1:1), Avianca Airlines (1:1), Cathay Pacific (1:1), Choice (1:1.5), Emirates (1:0.8), Etihad (1:1), EVA Air (1:1), Flying Blue AIR FRANCE KLM (1:1), Japan Airlines (1:1), JetBlue (1:1), LHF Leaders Club (5:1), Preferred Hotels and Resorts (1:2), Qantas Airways (1:1), Qatar Airways (1:1), Singapore Airlines (1:1), Thai Airways (1:1), Turkish Airlines (1:1), Virgin Atlantic (1:1), Virgin Red (1:1) and Wyndham Rewards (1:1).
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Offers, fees and benefits change often. Check the issuer's site before you apply.