In May, TPG learned exclusively that the Citi Rewards+ card changed to the Citi Strata℠ card. Now, we have received Citi’s confirmation is Launch of the new Citi Strata℠ Elite.
Like an old loyal and staunch citi Citi Strata Premier® (see rates and rates) (Previously the Citi Premier), I am excited to see the issuer reviewing its alignment of Citi Thankyou Rewards credit cards.
Applications for both cards are now open.
So, let’s jump to which the holders of existing cards change and the new applicants can wait.
The information for Citi Strata Elite, Citi Strata Card, Citi Rewards+ and Citi Premier have been independently collected by the type of points. The details of the card on this page have not been reviewed or provided by the card issuer. Citi Rewards+ and Citi Premier are no longer available for new applications.
Summary of changes
What did not change?
What changed?
- New name and card art
- New bonus categories
- Increase in income rates in existing bonus categories
- High welcome bonus
- What is the card is made (it will almost be completely recycled plastic)
- Benefits of World Elite Mastercard
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Citi Rewards+ used to round each purchase at the 10 closest points. Unfortunately, this unique advantage is suspended, together with the capacity of each card holder to receive 10% of the first 100,000 points redeemed per calendar year.
In an exclusive interview with Pam Habner, the Citi brand cards and brand loans highlighted Citi’s commitment to listen to customer comments and participate in focal groups to learn what the current card holders want and the possible credit card holders want. She mentioned how the current market shows card holders that seek to be flexible with their rewards and how these findings led Citi to make significant changes.
The existing members of the Citi Rewards+ card obtained access to the new Citi Strata card on July 20, and new customers can apply from today, on July 27.
New profit rates
The most exciting aspect of the new Citi Strata card is the introduction of new categories of bond and improved earnings rates of the rewards card+ now discontinued. The changes include:
- New: 5 points per dollar spent on hotels, car rentals and attractions reserved in Cititravel.com
- Increase: 3 points per dollar spent on supermarkets
- Increase and expanded: 3 points per dollar spent on selected cargo stations of traffic, gas and electric vehicles
- New: 3 points per dollar spent in the eligible category of self-selection of physical conditioning clubs, selected transmission services, live entertainment, cosmetic stores/barbers/hairdressers or pet supply stores.
- New: 2 points per dollar spent on restaurants
- Same: 1 point per dollar spent on all other purchases
Previously, the Citi Rewards+ won 2 points per dollar spent on purchases of groceries and service stations; However, new income rates are much more lucrative.
The rewards card+ won 5 points per dollar spent in hotel, car rental and attraction reserves through Citi Travel PortalBut it had an end date of December 31. Now, the income rate for these purchases is a permanent addition to the card.
This is a total renovation of the card, and its income rates approach it to Citi Strata Premier Cardwhich has an annual rate of $ 95 and obtained its Own update in May 2024
In my opinion, this can pave the way for Citi to have its own version of the Pursue triafectawhere CITI card holders can carry multiple cards and maximize rates and income benefits in combination with each other.
The new income rates make this card a worthy contender for daily purchases and long -standing rivals challenges, such as the CHASE FREEDOM UNLIMITED® (see rates and rates).
Habner emphasized Citi’s role in market renewal and stay competitive. It is evident that Citi leaned in the clients’ desire to win more in categories of daily expenses. Therefore, the issuer simplified and increased opportunities with the Citi Strata card in what would call essential service stations, supermarkets and restaurants, in addition to introducing the new self-select category.
The most exciting development is the new bonus category: 3 points per dollar spent in a category of self -select.
With a wide range of options to choose from, it must be quite easy to maximize. Card holders can change their self-select category each quarter. I see this category of bonus as a key controller for CITI because some eligible categories are not commonly offered in other cards at a high income rate.
With some gym membersia that cost more than $ 200 in cities such as New York and Los Angeles and live entertainment tickets that cost a couple of hundreds of dollars, this can be extremely useful for many people.
For me, this gives the CHASE FREEDOM FLEX® a race for your money because some of your quarterly bonus categories In the past, physical conditioning clubs or transmission services have been included, but rewards gains always have a limit of $ 1,500 each quarter that activates.
The information for Chase Freedom Flex has been independently collected by the type of points. The details of the card on this page have not been reviewed or provided by the card issuer.
Related: How to win more than 300,000 points in 2025
New Welcome Bonus
For a limited time, the new clients approved for the Citi Strata card will win 30,000 bonus points after spending $ 1,000 within the first three months of opening the account. Note that Citi Rewards+ existing card holders automatically became the Citi Strata card on July 20. Therefore, card holders will not be able to request the Citi Strata card, since they will already have the card.
The new card holders will also receive an introductory annual percentage (APR) of 0% in transfers and balance purchases for 15 months; After that, an APR variable will be 19.24% – 29.24% will be applied depending on the credit value. Balance transfers are subject to a 3% rate (minimum of $ 5) and during the first 4 months of opening the account, then each transfer will be 5% (minimum of $ 5).
The welcome bonus is not available for applicants who received a new account account for a Citi Rewards+ account in the last 48 months or those who turned another Citi account in which they obtained a new account account in the last 48 months in a Citi Strata or Citi Rewards+ account.
Another welcome news is that approved applicants will immediately have Instant authorization and access to your new credit card.
End
The Citi Strata card is a refreshing change in the credit card space, and I appreciate it.
A complete review of income rates and the inclusion of new categories make this card a competitive option for those who seek to gain thanks rewards. Changes in this card have made it more useful as a Daily spending credit card and provide a strong value proposal.
As Citi Strata Premier Card holder, you can combine the points of your strata card and transfer them to Citi’s travel partners to obtain maximum value. In addition, the Strata family is now complete thanks to the new Citi Strata Elite launch, providing card holders a great opportunity to choose a card that best suits their lifestyle.
Related: The best Citi cards in July 2025
