Citi Strata No Annual Fee Card Now Live: Benefits, Rewards & Sign-Up Bonus Explained
The Citi Strata Premier Mastercard with no annual fee is now officially available to U.S. consumers. This revamped version replaces the popular Citi Rewards+ card and offers a fresh, versatile rewards structure for everyday spending and travel purchases. Whether you’re a frequent traveler, a grocery shopper, or someone who prefers flexibility in choosing bonus categories, the new Citi Strata no annual fee card provides a great way to earn ThankYou® Points with no yearly cost attached.
Why the Citi Strata No Annual Fee Card Stands Out
The Citi Strata No Annual Fee Credit Card caters to users who want robust rewards without paying an annual fee. With a generous 30,000-point sign-up bonus and competitive earning categories, the card offers real value right out of the gate. You can redeem points for travel, gift cards, cash back, or even shop with points on popular platforms like Amazon.
If you’re someone looking to maximize everyday purchases and travel expenses without locking into a premium card with hefty fees, the Citi Strata no annual fee option is worth serious consideration.
Citi Strata No Annual Fee Card: Key Features
- No Annual Fee
- 30,000 ThankYou® Points Sign-Up Bonus – After spending $1,000 in the first 3 months
- Flexible rewards structure based on spending behavior
- Redeem points for travel, gift cards, merchandise, or statement credits
Citi Strata No Annual Fee Card: Rewards Structure Breakdown
Here’s a clear breakdown of how many points per dollar you can earn with the Citi Strata card:
| Spending Category | Reward Rate (Points per $1) |
|---|---|
| Hotels, Car Rentals & Attractions (via CitiTravel.com) | 5x |
| Supermarkets | 3x |
| Select Transit, Gas Stations, EV Charging Stations | 3x |
| Self-Selected Category (e.g., Streaming, Fitness, etc.) | 3x |
| Restaurants | 2x |
| All Other Purchases | 1x |
Note: The Self-Selected Category can be chosen from a list of eligible categories provided by Citi and updated periodically.
Who Should Get the Citi Strata No Annual Fee Card?
The Citi Strata No Annual Fee Credit Card is ideal for:
- Everyday spenders who want to earn more on groceries, gas, and supermarket purchases.
- Travelers who book through CitiTravel.com and want 5x points on hotels, car rentals, and attractions.
- Flexible users who like to choose their bonus category based on lifestyle (like fitness, streaming, home improvement, etc.).
- Budget-conscious Americans looking to earn rewards without paying an annual fee.
How to Maximize the Citi Strata Card Benefits
- Use CitiTravel.com for bookings – Booking hotels, car rentals, and attractions through CitiTravel.com ensures you earn the highest 5x rate.
- Select your bonus category wisely – You can choose your eligible 3x category every billing cycle.
- Combine with other Citi cards – If you already own a Citi Premier or Citi Custom Cash card, you can pool ThankYou® Points for bigger travel redemptions.
- Utilize the sign-up bonus – Spend $1,000 in the first 3 months to earn 30,000 points, which can be worth $300+ in travel or gift cards.
Travel and Redemption Perks
Though it’s a no annual fee card, the Citi Strata still provides travel-centric perks, especially through the CitiTravel.com portal. You can redeem points for:
- Flights, hotels, rental cars, and experiences
- Gift cards from top brands
- Statement credits or direct deposit
- Online shopping (Amazon, Best Buy, etc.)
Final Thoughts: Is Citi Strata No Annual Fee Card Worth It?
If you’re seeking a versatile rewards card with no annual fee, excellent bonus categories, and a generous welcome offer, the Citi Strata No Annual Fee Card is a solid choice for U.S. consumers. With strong earning potential across travel and everyday spending, it caters to a wide range of lifestyles—without locking you into a fee-based structure.
With Citi’s trusted reputation, the flexibility of the ThankYou® Points ecosystem, and the opportunity to earn valuable points on both essentials and adventures, this new card deserves a spot in your wallet.
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