Citi
Citi Strata
Annual fee
$0
Rewards
Citi ThankYou Points
Benefits
2 · $0/yr
Earn Rates
| Category | Rate | True cash-back value |
|---|---|---|
| Groceries | 3% | 3% |
| Gas | 3% | 3% |
| EV Charging | 3% | 3% |
| Transit | 3% | 3% |
| Dining | 2% | 2% |
| Everything else | 1% | 1% |
True value converts point multipliers to dollars using MaxWorth point valuations. Issuer-portal-exclusive rates are excluded.
Status & Elite Perks (1)
Mastercard ID Theft Protection
Complimentary Mastercard ID Theft Protection: monitors personal information you choose to protect and alerts you if suspicious activity is found. Enrollment required.
Other (1)
ThankYou Points Transfer
Transfer ThankYou Points to a select list of travel loyalty programs including American Airlines AAdvantage, JetBlue TrueBlue, Virgin Atlantic, Cathay, EVA Air, Choice Privileges and The Leading Hotels of the World. Minimum transfer 1,000 points. Full transfer-partner list requires pairing with Strata Premier/Elite.
Stop tracking this in a spreadsheet.
The MaxWorth app tracks all 2 Citi Strata benefits automatically — redemption progress, reset dates and expiry alerts.