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Terms read from Citi's page on Oct 16, 2026.
Year 1, after fees
$724
Year 2+, after fees
$724
every year after
3 years, after fees
$2,171
Break-even
No fee
Earn rate by category
Points at 1.00¢ each (cash or statement credit); published range 1¢ to 1.9¢. Source: The Points Guy monthly valuations, October 2026.
All values are after each card's annual or monthly fee, and foreign transaction fees when you set foreign spending. Additional-card fees and memberships some benefits need (such as Amazon Prime or Instacart+) aren't included.
Values for points and miles are estimates based on published redemption valuations; actual value depends on how you redeem.
On each spending preset
After fees; points at their cash value. "~" marks estimates.
| Spending | Year 1 | Year 2+ | 3 years | Break-even |
|---|---|---|---|---|
| Student ($985/mo) | $236 | $236 | $707 | No fee |
| Couple ($2,555/mo) | $550 | $550 | $1,651 | No fee |
| Family ($3,350/mo) | $724 | $724 | $2,171 | No fee |
| Frequent traveller ($3,880/mo) | $739 | $739 | $2,218 | No fee |
| Big spender ($7,960/mo) | $1,486 | $1,486 | $4,457 | No fee |
Who it suits
- People who spend a lot on groceries and dining, where it earns above its base rate.
Who should skip it
- Nothing stands out on the presets; check it against your own spending.
Fees and rates
- Annual fee
- None
- Additional card
- No fee
- Foreign transaction fee
- Not stated
Rewards
- 5x on hotels, car rentals and attractions on cititravel.com
- 3x on supermarkets, gas and EV charging, select transit
- 3x on your self-select category (select streaming by default)
- 2x on restaurants
- 1x on everything else
Eligibility and availability
- Income
- None published
Published requirements only. We don't estimate approval odds.
Assumptions
- Point value: Citi ThankYou Points (Strata Premier) points at 1.00 cents each: no redemption style chosen, so cash or statement credit. Source: The Points Guy monthly valuations, October 2026.
- Welcome bonus: Not counted: the full offer isn't published (Bonus points after a spending requirement; the amounts don't load on Citi's page).
- Travel portal: Portal-only rates aren't counted, since you book directly.
- Note: Strata points may not transfer to every ThankYou partner; the transfer value is the program's.
Not counted or not confirmed
- Purchase APR, intro APR and balance transfer fee don't load on Citi's page.
- Foreign transaction fee isn't on the card page.
Earns more every year after year 1
On a family's spending, these keep more value from year 2 than this card's $724.
Chase IHG One Rewards PremierYear 2+ ~$1,243
Wells Fargo One Key CardYear 2+ $864
Chase Marriott Bonvoy BoundlessYear 2+ ~$809
Frequently asked questions
Is the Citi Strata worth it?
On a family's spending ($3,350 a month, points at their cash value), it's worth $724 in year 1 and $724 a year after that, after no annual fee.
What is the Citi Strata welcome offer?
Bonus points after a spending requirement; the amounts don't load on Citi's page, so it isn't counted in the values here.
Does the Citi Strata charge foreign transaction fees?
The issuer's page doesn't state its foreign transaction fee, so check the full terms before travelling.
Sources
Rates, fees and offers are set by the issuer and may change. Check the issuer's terms before you apply. We don't estimate approval odds.
Compare it with 59 other cards on the US card comparison or read how cards are valued.