Citi · personal · mastercard
Citi Strata
The no-fee entry to Citi's ThankYou ecosystem: 3x on everyday categories (dining, groceries, gas) and a small intro bonus. A tidy free keeper, and its points get more valuable paired with a Strata Premier or Elite.
Current public offer
20,000 bonus ThankYou points after qualifying purchases — as of 2026-07-01 · source
Fees & fine print
- Annual fee: $0
- Intro APR: 0% for 12 months on purchases
- Suggested credit: Good / Excellent (690+)
- No foreign transaction fee ✓
Earning
- 2x restaurants
- 5x hotels, cars & attractions via Citi Travel
- 3x supermarkets
- 3x gas & EV; 3x one self-select category (streaming, fitness, transit, …); 1x everything else
Transfer partners
JetBlue · Avianca · Flying Blue · Emirates · Singapore · Turkish · Virgin Atlantic · Choice · Wyndham
Informational only — not financial advice. Offers change; verify all terms with the issuer before applying.