Best For
Rewards Rate - Points
- 5x Hotels & car rentals via Citi® Travel
- 3x Supermarkets & select transit
- 3x 1 quarterly category (e.g., gas/dining/travel)
- 2x Restaurants
- 1x Other purchases
- Intro offer
- 30,000 points after $1,000 in purchases within the first 3 months
- Annual fee
- $0
- Regular APR
- 21.24% – 29.24% Variable APR
- Recommended credit
- 700–850 (Good to Excellent)
- Travel Perks
- Travel Insurance
Highlights
- Boosted earning on hotels, car rentals and attractions booked via CitiTravel.com.
- Broad everyday categories for accelerated points on groceries, transit and more.
- A self‑select category lets you tailor earning to your spending pattern.
- No foreign transaction fees on international purchases (see issuer pricing).
Who is this card good for?
- Travelers who frequently book via Citi Travel and want portal‑boosted earn.
- Families with meaningful supermarket and transit spend.
- People who like a customizable category to match lifestyle changes.
Pointalize Opinion
Pros
- Versatile earn mix across travel and daily life.
- Portal bonuses can be very competitive when you book through Citi.
- Solid international usability with no foreign transaction fees (where applicable).
Cons
- Highest returns typically require Citi’s travel portal.
- Category definitions and caps can evolve; check terms.
Pointalize Final Thoughts
Citi Strata (base) balances travel‑portal boosts with broad everyday categories—ideal if you’ll actually book through Citi Travel.