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Citi
Citi Strata Card
AAdvantage®Choice of one 3x self-select category; 3% foreign transaction fee
Annual fee $0
Apply44,500miles/yr
Net value+$645.25
Rank#9 of 26
Earn by category
Miles a year · total 44,300Earn rules
| Category | Conditions | Rate | Monthly cap |
|---|---|---|---|
| Base earn | 0.7 mi / $1 | ||
| Dining & cafés | Restaurants | 1.4 mi / $1 | None |
| Groceries | Supermarketscalculated as 80% of this category | 2.1 mi / $1 | None |
| Transport & fuel | Gas and EV charging stations, and select transitcalculated as 85% of this category | 2.1 mi / $1 | None |
| Bills & subscriptions | If you pick Select streaming servicesSelf-select 3x category: select streaming servicescalculated as 15% of this category | 2.1 mi / $1 | None |
| Travel & airfare | Hotels, car rentals and attractions booked on cititravel.com, portal onlycalculated as 10% of this category | 3.5 mi / $1 | None |
| Everything else | If you pick Cosmetic stores / barber shops / hair salonsSelf-select 3x category: cosmetic stores, barber shops, hair salonscalculated as 4% of this category | 2.1 mi / $1 | None |
| Everything else | If you pick Fitness clubsSelf-select 3x category: fitness clubscalculated as 5% of this category | 2.1 mi / $1 | None |
| Everything else | If you pick Live entertainmentSelf-select 3x category: live entertainmentcalculated as 5% of this category | 2.1 mi / $1 | None |
| Everything else | If you pick Pet supply storesSelf-select 3x category: pet supply storescalculated as 3% of this category | 2.1 mi / $1 | None |
- This card makes you choose one of: Select streaming services / Cosmetic stores / barber shops / hair salons / Fitness clubs / Live entertainment / Pet supply stores. We use whichever earns you more.
- Earns Citi ThankYou Points; calculated at 1 points = 1 mile
- Sign-up bonus: 14,000 miles · 20,000 ThankYou points after $1,000 in purchases within 3 months. The amount comes from OMAAT (Oct 19, 2026) and TPG; the citi.com page renders it dynamically.
- 1 mile ≈ 1.5¢ (assumption, Oct 2026). Earn rates and annual fees follow each issuer’s disclosure.
Where these miles go
This card earns or transfers to these programs.
AAdvantage®American Airlines · 1 mile ≈ 1.5¢Used in your result
Verified 2026-10-23 · Citi disclosure·Report an error