As of July 20, 2025, cardholders of the will be automatically converted to this card. The is a breath of fresh air. Typically, when issuers change cards, it means increased fees and add-ons that may not work for everyone.

Rising annual fees and excessive statement credits have led to some fatigue in the premium credit-card market — but consumer demand persists.

The Citi Strata Card is the replacement of the Citi Rewards+ Card. Despite some changes to benefits, the Strata Card has improved earning rates.