# Citi Strata℠ Card

> Earn up to 5x on travel and 3x on groceries. No annual fee.

Canonical page: https://cardstack.money/cards/citi-strata-card
Markdown mirror for AI agents and LLMs. Full index: https://cardstack.money/llms.txt

## At a glance

- Issuer: Citi
- Network: Mastercard
- Annual fee: $0
- Rewards program: ThankYou Rewards (https://cardstack.money/programs/thankyou-rewards.md)
- Welcome offer: 20,000 ThankYou points after you spend $1,000 in the first 3 months.

## Earning rates

| Rate | Category | Notes |
| --- | --- | --- |
| 5x | Travel | Travel Portal Only |
| 3x | Groceries |  |
| 3x | Transit |  |
| 3x | Gas & EV Charging |  |
| 2x | Dining |  |
| 1x | All other purchases | Base earn rate |

## Other benefits

- **Earn rule**: 3x on a Self-Select Category of your choice from: Fitness Clubs, Select Streaming Services, Live Entertainment, Cosmetic Stores / Barber Shops / Hair Salons, or Pet Supply Stores. (Schema-limited: not modeled as a structured category — only one of these five earns 3x.)
- **Earn rule**: 5x on Hotels, Car Rentals, and Attractions booked on cititravel.com. (Attractions is not modeled as a distinct structured category — covered by the travel 5x portal-only bonus + this caveat.)
- **Earn rule**: 3x on Select Transit AND Gas & EV Charging Stations.
- **ThankYou® Points Transfer**: Transfer points to JetBlue, Virgin Atlantic, Cathay Pacific, Eva Air, Choice Hotels, The Leading Hotels of the World®, and other partners; no fee, minimum transfer 1,000 points.
- **Citi Entertainment®**: Access to presales and exclusive experiences for thousands of concerts, sporting events, and arts/culture events.
- **Welcome offer caveat**: 0% intro APR for 15 months on purchases and balance transfers; 18.49%–28.49% variable APR after intro period.


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