Citi Strata Card Review: Amazing Income Rate and No Annual Fees

Citigroup Card Overview

this Citi tier ℠ card (See Rates and Fees) is the latest undeli Citi card to earn Citi Thank You Rewards Points. The Citi Formation has an impressive revenue rate in catering, gasoline and supermarkets, making it an excellent choice for everyday cards. Card rating*: ⭐⭐⭐

*Card ratings are based on the opinions of TPG editors and are not affected by the card issuer.

Citi Rewards+® Card renamed it to the Citi Layer Card in May. This is tricky when the issuer changes his fan favorite card, but these changes make it more beneficial for the cardholder.

The new app for Citi Strata card is now open, and from July 20, all Citi Rewards + Card holders have been converted to stratigraphic cards and will receive a new card when the current card period expires.

Citi Formation has a wide range of bonus award categories, from travel and supermarkets to new self-select quarterly categories. This gives cardholders flexibility and helps them maximize their income. For those who start at Citi’s Thanks for the Reward Points ecosystem, the Citi class has no annual fees and easy access to welcome offers, which is a great option.

To increase your approval likelihood, you need a credit score of 670 or higher.

Whether your account has been converted or you are considering applying for a card, read ahead to see how the card stands out.

Citi Rewards+ information has been collected independently by Tocts Guy. The card details on this page have not been reviewed or provided by the card issuer.

Advantages and disadvantages of Citi Strata Card

Citigroup Strata Card Welcome Discount

New applicants Citi floor Spend $1,000 in the first three months of opening an account and earn 30,000 bonus points. According to TPG’s July 2025 valuation, this welcome offer is worth $555.

New cardholders also receive an annual introductory percentage of purchases and balance transfers for 15 months, after which, depending on your credibility, apply to APR variables of 19.24% to 29.24%.

If your Citi Rewards + Card automatically changes to a Citi Layer Card on July 20, you cannot apply for a strata card because you already have it. However, if you never have a Citi Reward + Card, you can apply for a stratigraphic card and get a welcome bonus.

Additionally, applicants who have received a new account bonus for Citi Rewards+ account in the past 48 months, or applicants who have converted another Citi account in the past 48 months, who have received a new account bonus for the past 48 months are not welcome.

Related: Best Credit Card Welcome Offer of the Month

Citi Strata Card Benefits

this Citi floor There is no annual fee, so you can’t find many benefits, such as a statement credit or a travel allowance. Typically, no grade fee card offers APR introductory benefits in terms of purchases and balance transfers, but offers limited redemption rewards.

For example, Citi Layer Premier® Card (See Fees and Fees), a $95 per year fee, and a $100 letter of credit per year when spending at least $500 on hotels booked through the Citi Travel Portal (excluding taxes and fees).

Points on Citigroup Card

this Citi floor Shine its ability to easily earn bonus points in many categories, including:

• Spend 5 points per dollar on hotels, car rentals and attractions booked through the Citi Travel Portal
• Spend 3 points per dollar on supermarkets and select shipping, electric car charging and gasoline purchases
• Spend 3 points per dollar on qualified self-selected categories (you can change it every quarter)
• Spend 2 points per dollar at a restaurant
• Every dollar spent on all other purchases

Qualified self-select categories are:

• Barber shops, cosmetics shops and hair salons
• Fitness Club
• Live entertainment
• Pet Supplies Store
• Select Stream Service

These strong income rates largely reflect the Citigroup Prime Minister However, there is no $95 annual fee, making the formation an excellent entry-level option.

These money-making rates create a Chase Trifecta version of Citi where you combine multiple Citi cards to maximize rewards. For example, cardholders can carry both Citi and new premium Citigroup Elite℠ (See Rates and Fees) Maximize your earnings on Friday and Saturday nights with Citi Travel Portal and Restaurant Purchase.

The quarterly self-select category for the Citigroup Card is 3 points per dollar. Citi provides you with a comprehensive list of categories that can easily maximize your rewards – you can change categories every quarter.

By default, the self-selected category is Select Streaming Services. In order to change your category quarterly, you must be logged in citi.com/selfselect Or call 1-800-842-6596. This is one of the best bonus categories on the card compared to other non-young fee cards.

These revenue rates make this card a powerful competitor for everyday purchases, challenging Chase for Freedom® (See Rates and Fees) and Chase FreedomFlex®, which includes a fitness club or streaming service as previous quarterly bonus categories (but CAPS rewards these bonus categories with revenue of $1,500 per quarter; activation is required).

Chase Freedom Flex information has been collected independently by Goint Guy. The card details on this page have not been reviewed or provided by the card issuer.

Redemption points on Citigroup Card

this Citi floor Earn Citi Thank You Reward Points, which can be redeemed for a stated credit, cash back or gift card. Points can also be transferred to a card-specific group of travel partners.

Redemption Thank You Reward Points Travel Booked through the Citi Travel Portal will give you a 1% value per point, well below TPG’s July 2025 valuation.

Related: The best way to redeem Citi Thanks Reward Points

Transfer points on Citigroup card

Citigroup Card Holders can transfer points to 20 air, hotel and retail partners in a rewards program thank you. Most transfer rates are 1:0.7, which means you get 0.7 points or miles per thank you point you want to transfer.

However, if you hold a qualified premium Citi card, such as Citi’s Prestige® card, Citigroup Elite or Citigroup Prime Ministeryou can transfer to Citi’s full list of 21 partners at an increased transfer rate. This also means the ability to combine points and transfer to Citi’s latest transfer partner, American Airlines Aadvantage.

Information about Citi’s reputation has been independently collected by Goint Guy. The card details on this page have not been reviewed or provided by the card issuer.

TPG chief writer Katie Genter loves the Wyndham Rewards program and has won only 7,500 points per night on Jeju Island, South Korea and 15,000 points per night in Hawaii.

Related: Does booking Japanese Airlines award the best new desserts via JetBlue TrueBlue?

Which cards compete with Citi Layer Cards?

and Citi floor Comes with no annual fee, providing excellent earning rates, if you prefer other issuers or simpler cards: Here are some other cards:

• If you want to make money when buying online: this BlueCashEveryday® Card for American Express Similar to the Citi floors of American supermarkets and American gas stations. It also earns 3% cashback on US online retail purchases, but all bonus categories earn only bonus cashbacks, with purchases up to $6,000 per calendar year, followed by 1%. (Cash back or received in the form of a reward dollar, can be redeemed for a declared credit or Amazon.com checkout.) To learn more, read our full review of the Amex Blue Cash Everyday Card.
• If you want to earn the ultimate reward points for the chase: this Chasing for infinite freedom Bonus categories are smaller and bonus cash is earned on drugstores and Chase Travel℠ purchases and catering (including takeout and qualified delivery services). The best aspect of this card is the ability to earn 1.5% cashback on all other purchases, making it perfect for everyday purchases. If you have the Advanced Chase Ultimate Reward Card, Chase SapphireReserve® (See Rates and Fees) You can combine your own rewards with unlimited free rewards. To learn more, read our full review of Infinity of Freedom.
• If you want a simple income rate: this Citi double cash card (See Interest Rates and Fees) On all purchases, you earn 2% cash returns on your purchase: 1% when you buy, and 1% when you pay off the bill. Cardholders can also use a qualifying credit card to return cash to a thank you point, which earns Citi Thank You points. To learn more, read our full review of Citi Double Cash.

For additional options, check out our full list of our No Annual Fee Cards.

Is the Citigroup Card worth it?

For a fee card that doesn’t work, Citi floorThe income rate is very high, challenges like Chasing for infinite freedom. Cards are good with Citi’s more travel-oriented cards, e.g. Citigroup Elitewhich can be a great way to quickly win thank you points and merge them into Citi Airlines and hotel partners. If you want to expand the diversity of your perspective, then the Citi Layer Card is definitely worth considering.

Bottom line

this Citi floor Is one of the best unenjoyable cards to add your wallet to your wallet. The card’s extensive reward categories and unique self-select categories that you can change quarterly, making it an easy way to earn reward points on your daily purchases.

I recommend pairing this card with a premium card in the Citi hierarchy lineup to take advantage of a more profitable transfer partner such as American Airlines Aadvantage and at a higher transfer rate. With Citi’s refreshed lineup, the Citi layer is a strong contender for your daily spending.

Apply here: Citigroup Card