CardflareCiti Strata
Citi
Key facts
- Annual fee$0
- RewardsPoints
- Everything else earns1x points
- Minimum credit score670
Earn rates
| Category | Rate | Cap |
|---|---|---|
| Groceries | 3x points | No cap stated |
| Gas | 3x points | No cap stated |
| Dining | 2x points | No cap stated |
| Everything else | 1x points | No cap stated |
Rates with conditions
- 3x points on Transit — select transit only
Through the issuer's travel portal
- 5x points on Travel (hotel), Travel (other)
Signup bonus
20,000 points after $1,000 of spend in the first 3 months.
Terms as of 2026-09-10. Hand-curated approximate terms; verify with the issuer before applying. Annual credits are rough fee offsets, not a calendar of every perk or lounge access. Cardflare is not affiliated with Citi; the card name is its owner's trademark.