Where It Wins, Where It Doesn't
Generated from the card's data against our full catalog, not editorial opinion.
- 3x on grocery (catalog median is 1.5x)
- 3x on gas (catalog median is 1.75x)
- 3x on streaming (catalog median is 1x)
- No annual fee
- Non-bonus spending earns only 1x
What It Earns
Net annual value (rewards + credits at typical usage, minus the fee) at three reference spending profiles. A credit counts only when the profile spends in its category, so a household with no travel spend gets no travel credit. Signup bonuses excluded.
Everyday
Groceries, gas, and dining out a few times a month ($24,000/yr)
+$480/yr
$480 rewards
#13 of 92 in the Q4 2026 Rewards Index →Foodie
Heavy dining and delivery, lighter on travel ($26,000/yr)
+$482/yr
$482 rewards
#32 of 92 in the Q4 2026 Rewards Index →Traveler
Several trips a year with flights and hotels ($28,000/yr)
+$418/yr
$418 rewards
#57 of 92 in the Q4 2026 Rewards Index →Rewards by Category
Dining
2x
Grocery
3x
Gas
3x
Flights
1x
Hotels
1x
Other Travel
1x
Online Shopping
1x
Rideshare
1x
Streaming
3x
Amazon
1x
Costco
1x
Other
1x
Apple
1x
Cell Phone
1x
Fast Food
2x
Home Utilities
1x
Internet
1x
Walmart
1x
Point value: 1.0 cents per point
The Fine Print That Changes the Math
No annual fee. 5x on hotels, car rentals and attractions booked on Citi Travel; 3x at supermarkets, gas and EV charging, select transit, and one self-select category (streaming by default; fitness clubs, live entertainment, cosmetics/barber/salon or pet supply); 2x at restaurants; 1x everything else. Points cash out at about 1 cent; transfers to partners need a premium ThankYou card. Replaced Citi Rewards+ in July 2025.
Citi Strata Card FAQ
What is the Citi Strata Card annual fee?
The Citi Strata Card has no annual fee.
What are the best spending categories for the Citi Strata Card?
3x on grocery, 3x on gas, 3x on streaming. Everything else earns 1x.
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Sources & Verification
Card data last reviewed 2026-10-20.
Card details are for informational purposes only. Please verify current terms, rewards, and benefits on the issuer's website before applying. Links to issuers are direct; CardSavvy currently earns no commission from them.