Citi Strata
The Citi Strata from Citi has no annual fee. At $2,650 a month of typical household spending it pays about $572 a year after fees, $64 less than the Citi Double Cash, a flat 2% card.
Terms checked October 26, 2026. Net values use the spending mix of 1,229 U.S. households in the Bureau of Labor Statistics' Consumer Expenditure Interview Survey. This is an estimate, not financial advice.
What does the Citi Strata earn?
3x groceries; 3x gas; 3x transit; 2x dining; 3x on your top category each month from streaming, entertainment; 1x on everything else.
Not counted in the numbers on this page:
- 5x on hotels, car rentals and attractions booked through cititravel.com
- Self-select 3x also covers fitness clubs, hair salons and pet supply stores, which are not tracked categories
How much would it pay you a year?
This is the card's rewards minus its annual fee, at three spending levels, with spending split the way the survey households split theirs. Statement credits and sign-up bonuses are left out.
| Spending a month | Citi Strata | Citi Double Cash (2%) |
|---|---|---|
| $1,500 | $324 | $360 |
| $2,650 (the survey median) | $572 | $636 |
| $5,000 | $1,080 | $1,200 |
The mix is 30% everything else, 25% groceries, 16% phone and utilities, 13% dining, and smaller shares elsewhere. Your own split decides the real answer: add your statements to work it out on what you actually spent.
How did it do for real households?
We ran each of the 1,229 households in the 2024 survey through every card, on 12 straight months of their own spending. It would have been the best of 53 cards for under 1% of households, and paid more than the Citi Double Cash, a flat 2% card, for 31%. For the median household it paid $37 a year less than the flat 2% card.
The survey records spending categories but not merchants, so merchant bonuses and statement credits never count there, which favors flat cards. How we ran the household test.
Fees and sign-up bonus
- Annual fee: $0.
- Foreign transaction fee: 3%.
- Sign-up bonus: 20,000 points ($200 at 1¢ a point) after $1,000 of spending in 3 months. Offers change and can differ by applicant, so check the issuer's page.
Cards that pay about the same
At $2,650 a month, these pay closest to the Citi Strata:
- Capital One Savor: $569 a year
- Amex Blue Cash Preferred: $582 a year
- U.S. Bank Altitude Connect: $560 a year
- Chase World of Hyatt: $557 a year
See what it would have paid you
Add your statementsFree, in your browser. Your statements are never uploaded.
PointMaxx runs a year of your own card statements against 53 U.S. cards, after annual fees, caps and the credits you'd really use. No statements on hand? The quick estimate asks seven questions instead.
Sources
- citi.com/credit-cards/citi-strata-credit-card
- thepointsguy.com/credit-cards/citi-thankyou-current-offers
- nerdwallet.com/credit-cards/reviews/citi-strata
- nerdwallet.com/reviews/credit-cards/citi-strata
- Household spending: BLS Consumer Expenditure Surveys public-use microdata, 2024 Interview Survey.
See a wrong rate? Tell us. PointMaxx is not affiliated with or endorsed by Citi; the card's name is used only to say which card is meant.