3X at supermarkets, gas, and a self-select category — the successor to the Citi Rewards+ with no annual fee.
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Good–Excellent credit — 670+ FICO typical; hard pull required
ClearValue Rating: 4.4 / 5 — our editorial assessment (how we rate)
Editorial confidence (30%), cost (25%), value (25%), accessibility (20%) — scored consistently across every product, independent of compensation.
Citi ThankYou Points builders who want strong supermarket and gas rewards plus a self-select bonus category at no annual fee.
The Citi Strata℠ Card (which replaced the Citi Rewards+ in July 2025) has no annual fee. It earns 3X ThankYou Points at supermarkets, 3X on select transit and gas/EV charging stations, 3X on a self-select quarterly category, 2X at restaurants, and 1X on all other purchases. A 3% foreign transaction fee applies. The regular variable APR is 18.49%–28.49% after a 15-month 0% intro period. All terms verified at citi.com, June 2026.
| Year 1 value | Ongoing value |
|---|---|
| 20,000 bonus ThankYou Points after $1,000 in purchases in first 3 months + 0% intro APR for 15 months on purchases and balance transfers | 3X at supermarkets; 3X on select transit and gas/EV charging stations; 3X on one self-select category (fitness, streaming, entertainment, beauty, or pet stores); 2X at restaurants; 1X everywhere else; $0 annual fee |
| Self-select category changeable quarterly; no stated annual cap on bonus category spend. Verify current terms at citi.com. | |
Citi Strata℠ Card (Citi Rewards+ successor) — 3X at supermarkets, gas, and a self-select category — the successor to the Citi Rewards+ with no annual fee. Best for: Citi ThankYou Points builders who want strong supermarket and gas rewards plus a self-select bonus category at no annual fee.. Compare it against alternatives before applying; the right fit depends on your situation, credit, and goals.
The Citi Rewards+® Card stopped accepting new applications in 2025. Existing Citi Rewards+ cardholders were automatically transitioned to the Citi Strata℠ Card on July 20, 2025. The Citi Strata is the current Citi no-annual-fee ThankYou Points card open to new applicants. If you held the Citi Rewards+, check your account or contact Citi to confirm your card's current status. The Citi Strata offers expanded rewards (3X supermarkets, 3X gas/transit, 3X self-select, 2X dining) compared to the Rewards+. Verify current terms at citi.com.
No. The Citi Rewards+® Card's signature feature — rounding every purchase up to the nearest 10 ThankYou Points — was not carried over to the Citi Strata℠. The Citi Strata earns points at the stated rates (3X, 2X, 1X) without a round-up mechanic. For current Citi Strata features, verify at citi.com.
Both cards have no annual fee and earn at supermarkets, but they differ in reward currency and breadth. Amex Blue Cash Everyday earns 3% cash back at U.S. supermarkets (capped at $6,000/yr per category). Citi Strata earns 3X ThankYou Points at supermarkets with no stated annual spend cap — but ThankYou Points are worth approximately 1 cent each in basic redemptions, making the effective grocery return similar. Citi Strata adds a self-select 3X category and earns 2X at restaurants; Amex Blue Cash Everyday adds 3% on gas and online retail. Amex has a 2.7% FX fee; Citi Strata has a 3% FX fee. Neither is designed for international use. See the full Citi Rewards+ Student review if you are a student building credit — that card remains available.
No. ClearValue Lending is not a bank, card issuer, lender, or financial advisor. This review presents publicly available editorial information about the Citi Strata℠ Card and the discontinued Citi Rewards+® Card. Both cards are issued and operated by Citibank, N.A. APRs, reward rates, fees, and terms are determined solely by Citibank and may change — verify current terms at citi.com before applying.
How we rate
Every pick gets a 1–5 ClearValue Rating computed from four weighted factors: Editorial confidence (30%), Cost (25%), Value (25%), and Accessibility (20%).
Scored consistently across every product and independent of any compensation. Full methodology →
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