Citi Rewards+ Card rebrands as Citi Strata Card

Again in Might, TPG solely discovered the Citi Rewards+ Card was being rebranded to the Citi Strata℠ Card. Now, we have obtained affirmation Citi is launching the all-new Citi Strata℠ Elite.

As a longtime Citi loyalist and die-hard Citi Strata Premier® Card (see rates and fees) (previously the Citi Premier) fan, I am excited to see the issuer overhauling its lineup of Citi ThankYou Rewards-earning bank cards.

Purposes for each playing cards at the moment are open.

So, let’s leap into what modifications current cardholders and new candidates can anticipate.

The data for the Citi Strata Elite, Citi Strata Card, Citi Rewards+ and Citi Premier has been collected independently by The Factors Man. The cardboard particulars on this web page haven’t been reviewed or supplied by the cardboard issuer. The Citi Rewards+ and Citi Premier are now not obtainable for brand spanking new purposes.

• New identify and card artwork
• New bonus classes
• Elevated incomes charges on current bonus classes
• Elevated welcome bonus
• What the cardboard is fabricated from (it will likely be nearly completely recycled plastic)
• World Elite Mastercard benefits

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Citi Rewards+ used to spherical up every buy to the closest 10 factors. Sadly, this distinctive perk is discontinued, together with the flexibility for every cardholder to obtain 10% of the primary 100,000 factors redeemed per calendar 12 months again.

In an unique interview with Pam Habner, Citi’s head of branded playing cards and lending, Habner highlighted Citi’s dedication to listening to buyer suggestions and fascinating in focus teams to study what present and potential cardholders need from their bank cards. She talked about how the present market showcases cardholders trying to be versatile with their reward earnings and the way these findings drove Citi to make significant modifications.

Current Citi Rewards+ Card members acquired entry to the brand new Citi Strata Card as of July 20, and new clients can apply as of right this moment, July 27.

New incomes charges

Essentially the most thrilling side of the brand new Citi Strata Card is the introduction of recent bonus classes and improved incomes charges from the now-discontinued Rewards+ Card. The modifications embrace:

• New: 5 factors per greenback spent on lodges, automotive leases and sights booked on cititravel.com
• Elevated: 3 factors per greenback spent at supermarkets
• Elevated and expanded: 3 factors per greenback spent on choose transit, gasoline and electrical car charging stations
• New: 3 factors per greenback spent on eligible self-select class of health golf equipment, choose streaming companies, stay leisure, beauty shops/barber outlets/hair salons or pet provide shops.
• New: 2 factors per greenback spent at eating places
• Similar: 1 level per greenback spent on all different purchases

Beforehand, the Citi Rewards+ earned 2 factors per greenback spent on grocery retailer and gasoline station purchases; nevertheless, the brand new incomes charges are way more profitable.

The Rewards+ Card earned 5 factors per greenback spent on resort, automotive rental and attraction bookings by the Citi travel portal, nevertheless it had an finish date of Dec. 31. Now, the incomes charge for these purchases is a everlasting addition to the cardboard.

This can be a whole revamp of the cardboard, and its incomes charges carry it nearer to the Citi Strata Premier Card, which has a $95 annual price and acquired its own refresh in May 2024

For my part, this could pave the trail for Citi to have its personal model of the Chase Trifecta, the place Citi cardholders can carry a number of playing cards and maximize incomes charges and advantages together with each other.

The brand new incomes charges make this card a worthy contender for on a regular basis purchases and problem long-standing rivals, such because the Chase Freedom Unlimited® (see rates and fees).

Habner emphasised Citi’s function in revamping {the marketplace} and staying aggressive. It is evident that Citi leaned in on clients’ need to earn extra throughout on a regular basis spending classes. Due to this fact, the issuer simplified and elevated alternatives with the Citi Strata Card in what I would name important classes of gasoline stations, supermarkets and eating places, along with introducing the brand new self-select class.

Essentially the most thrilling growth is the brand new bonus class: 3 factors per greenback spent on a self-select class.

With a variety of choices to select from, it needs to be pretty straightforward to maximise. Cardholders can change their self-select class each quarter. I see this bonus class as a key driver for Citi as a result of some eligible classes are usually not generally provided on different playing cards at an elevated incomes charge.

With some health club memberships costing greater than $200 in cities similar to New York and Los Angeles and stay leisure tickets costing a few hundred {dollars}, this may be extraordinarily helpful for a lot of people.

To me, this provides the Chase Freedom Flex® a run for its cash as a result of a few of its quarterly bonus categories up to now have included health golf equipment or streaming companies, however reward earnings are all the time capped at $1,500 every quarter you activate.

The data for the Chase Freedom Flex has been collected independently by The Factors Man. The cardboard particulars on this web page haven’t been reviewed or supplied by the cardboard issuer.

Associated: How to earn over 300,000 points in 2025

New welcome bonus

For a restricted time, new clients accepted for the Citi Strata Card will earn 30,000 bonus factors after spending $1,000 throughout the first three months of account opening. Needless to say current Citi Rewards+ cardholders have been robotically transformed to the Citi Strata Card on July 20. Due to this fact, cardholders won’t be able to use for the Citi Strata Card, as they’re going to already maintain the cardboard.

New Cardholders may also obtain a 0% introductory annual proportion (APR) on stability transfers and purchases for 15 months; after that, a variable APR shall be 19.24% – 29.24% shall be utilized based mostly on credit score worthiness. Steadiness transfers are topic to a 3% price (minimal $5) and through the first 4 months of account opening, afterward every switch shall be 5% (minimal $5).

The welcome bonus shouldn’t be obtainable to candidates who obtained a brand new account bonus for a Citi Rewards+ account up to now 48 months or those that transformed one other Citi account on which they earned a brand new account bonus within the final 48 months right into a Citi Strata or Citi Rewards+ account.

One other welcoming piece of stories is that accepted candidates will instantly have instant authorization and entry to their new bank card.

An entire overhaul to the incomes charges and inclusion of recent classes make this card a aggressive choice for these trying to earn ThankYou Rewards. The modifications to this card have made it extra helpful as an everyday spending credit card and supply a powerful worth proposition.

As a Citi Strata Premier cardholder, you possibly can mix your Strata Card factors and switch them to Citi’s journey companions for max worth. As well as, the Strata household is now full due to the brand new Citi Strata Elite launch, giving cardholders ample alternative to decide on a card that most closely fits their life-style.

Associated: Best Citi Cards of July 2025