<ul><li>Citi is refreshing its Citi Rewards+ Card and launching the Citi Strata Card with new earning opportunities in various bonus categories.</li><li>The Strata card stands out for its self-select categories with no spending caps, unlike many other credit cards with custom earning categories.</li><li>Existing Citi Rewards+ Card holders will be automatically converted to the new Citi Strata Card on July 20, 2025, offering improved earning rates but losing the 10% rebate benefit.</li><li>The Strata Card, although lacking major perks, can be combined with other Citi cards for increased earnings potential across different spending categories and ultimate flexibility in points redemption.</li></ul>

Citi’s New Strata Card Replaces Rewards+: A Smart Refresh For Most Users

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