Citi ThankYou Points builders who want a broad 3X earn across supermarkets, select transit and gas/EV charging, and a self-select category (fitness, streaming, entertainment, beauty, or pet stores) plus 2X dining — all at a $0 annual fee. It's the July-2025 successor to the Citi Rewards+.

Not for

International travelers (3% foreign transaction fee) and anyone who wants a simple flat rate — the value depends on your spend landing in the 3X buckets, and the self-select category needs occasional attention.

The catch

The 3X categories are broad but not universal, and the self-select bonus is only useful if you pick the category matching your spend. Outside those buckets it's a 1X card. It also carries a 3% FX fee, so keep it stateside.

Card facts

Sourced from the issuer's published Schumer Box and terms — confirm current numbers at the issuer.

Product specs

Annual fee: $0
Intro APR: 0% intro APR on purchases and balance transfers for 15 months
Ongoing APR: 18.49% – 28.49% variable
Foreign transaction fee: 3%
Balance transfer fee: See issuer terms
Schumer Box verified: July 8, 2026

How we scored this card

See our published methodology — 5 dimensions, 0–20 each, 100-point total.

Effective rewards rate17 / 20

Fee structure19 / 20

Audience fit16 / 20

Transparency and trust16 / 20

Honest weakness named16 / 20

Total84 / 100 · Solid pick

Frequently asked

Does the Citi Strata charge an annual fee?

No. The Citi Strata carries a $0 annual fee, sourced from the issuer's published Schumer Box as of July 8, 2026. Rates change — confirm the current terms at the issuer.

What APR does the Citi Strata charge?

18.49% – 28.49% variable. There is also an intro rate: 0% intro APR on purchases and balance transfers for 15 months. APRs are variable and set by the issuer — confirm the current range on the issuer's Schumer Box before you commit.

Does the Citi Strata charge foreign transaction fees?

Yes — 3% per purchase made outside the U.S. Factor that in if you travel or shop internationally.

Who is the Citi Strata best for?

Who should skip the Citi Strata?

How did ClearValue score the Citi Strata?

Citi Strata scored 84/100 — "Solid pick". We score every card across five dimensions (effective rewards, fee structure, audience fit, transparency, and whether an honest weakness is named), 0–20 each. Scores are never influenced by commission. See our methodology for the full rubric.

Alternatives to the Citi Strata

Other cashback cards we've scored, ranked by our methodology.

This is an independent editorial review. This page carries no partner link and earns nothing from what you read here — our scoring is never influenced by compensation, and reflects only our published rubric. When you use our match tool, we may be paid by a partner (CardRatings) if you continue with a card from there. See our methodology and disclosure.

Citi Strata84/100 · Solid pick

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