Card dossier
Strata
Issuer
Citi
Annual fee
$0
Offer Strength
StandardShow breakdown
Estimated bonus value: ~$320
Base score: 29
Current $320 vs typical $320
Net value after annual fee: ~$320
Estimate based on our value hints; not financial advice.
Annual Fee
$0/yr
Strata
Welcome Offer
Earn 20,000 bonus points after spending $1,000 in the first 3 months.
Eligibility Rules
These issuer rules may affect your approval or bonus eligibility.
Citi velocity rules
Citi is observed to limit approvals to about 1 card per 8 days and 2 cards per 65 days.
Citi 48-month bonus rule
Citi bonus restrictions are product-family specific: Strata Premier, Strata/Rewards+, Strata Elite, and AAdvantage use distinct 48-month families where current terms specify them.
Duplicate ownership rule
Most banks are observed to decline applications for a card you already hold.
Rules reflect community-reported patterns, not official issuer policies.
Check your eligibilityEarning Rates
Citi Travel bookings
12x points
Hotels, car rentals, and attractions via cititravel.com
Self-select category
3x points
Choose: fitness, streaming, entertainment, beauty, or pet supplies
Restaurants
3x points
Including delivery services
Everything else
1x points
Key benefits
3x self-select category
Choose your own 3x category: fitness, streaming, entertainment, beauty, or pet supplies.
3x on restaurants
3 points per $1 at restaurants including delivery.
No annual fee
Earn ThankYou points with no yearly cost.
Perks
Transfer partners
Move ThankYou points to airline and hotel partners.
Good fit for
About this card
The Citi Strata is a travel rewards card with no annual fee. New cardholders can earn 20,000 points after spending $1,000 in 90 days.
Best for
credit card beginners, occasional travelers, points enthusiasts who value transfer partners
Key considerations
No annual fee makes this easy to keep long-term.
Recent updates
Recent offer or rule changes that affected this card.
Card analysis
Offer analysis
The current offer on the Strata awards 20,000 points after spending $1,000 within 90 days of account opening.
Annual fee value
The Strata has no annual fee, making it a risk-free addition to your wallet. There is no ongoing cost to hold this card, so the only consideration is whether the rewards structure fits your spending habits.
Application strategy
Citi enforces a 48-month bonus restriction: Citi card family cooldown rule.. Citi also has velocity limits — you generally cannot be approved for more than one Citi card per 8 days or two per 65 days.
Analysis is auto-generated from card data and known issuer rules. Not financial advice.
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