Name: Citi Strata℠ Card
Brand: Citi

Earn 20,000 bonus Points

Earn 20,000 bonus Points after spending $1,000 in the first 3 months of account opening.

at Citi's secure site.
Terms & restrictions apply. See rates & fees.

Rewards Rates
1 - 5X points
Annual Fee
$0
Regular APR
18.49% - 28.49% (Variable)
Recommended Credit
Excellent, Good

at Citi's secure site.
Terms & restrictions apply. See rates & fees.

At a glance

Rewards Rates

5X: Earn 5 ThankYou® Points for each $1 spent on Hotels, Car Rentals and Attractions booked on Citi Travel® via cititravel.com.
3X: Earn 3 ThankYou Points for each $1 spent at Supermarkets, on Select Transit purchases, and at Gas & EV Charging Stations.
3X: Earn 3 ThankYou® Points for each $1 spent in an eligible Self-Select Category of your choice (Fitness Clubs, Select Streaming Services, Live Entertainment, Cosmetic Stores/Barber Shops/Hair Salons, or Pet Supply Stores). Choose your eligible Self-Select Category on Citi Online or by calling customer service. The default Self-Select Category is Select Streaming Services.
2X: Earn 2 ThankYou® Points for each $1 spent at Restaurants.
1X: Earn 1 ThankYou® Point for each $1 spent on All Other Purchases.

Intro Offer

Earn 20,000 bonus Points

Earn 20,000 bonus Points after spending $1,000 in the first 3 months of account opening.

Introductory Purchases APR

0% Intro APR for 15 months on purchases.

Ongoing Purchases APR

18.49% - 28.49% (Variable)

Introductory Balance Transfer APR

0% Intro APR for 15 months on balance transfers.

Ongoing Balance Transfer APR

18.49% - 28.49% (Variable)

Ongoing Cash Advance APR

29.74% (Variable)

Ongoing Penalty APR

Up to 29.99% (Variable)

Annual Fee

Recommended Credit

670-850Excellent, Good

More Details

Earn 20,000 bonus Points after spending $1,000 in the first 3 months of account opening.
0% Intro APR on balance transfers and purchases for 15 months; after that, the variable APR will be 18.49% - 28.49%, based on your creditworthiness. There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).

Our Take

TPG Editor's Rating

4 / 5

Overview

The Citi Strata℠ Card offers solid reward rates and a welcome bonus of 20,000 bonus points after spending $1,000 on purchases in the first three months from account opening — not bad for a card that doesn’t charge an annual fee. Plus, the Citi Strata allows cardholders the flexibility to self-select an eligible bonus category of their choice that earns 3 points per dollar spent, making it an even more valuable prospect for potential applicants.

Read the full review

Pros

No annual fee
Solid reward rates in popular bonus categories
Flexibility to self-select a bonus category that earns 3 points per dollar spent

Cons

Available self-select bonus categories may not be suitable for everyone

Who is this card good for?

The Citi Strata is an excellent choice for those who want to build a stash of Citi ThankYou points without worrying about paying an annual fee. If you’re looking for a way to boost your Citi ThankYou points earnings while also filling in any gaps in your reward-earning strategy, consider adding this card to your wallet.

Earning rewards

The Citi Strata earns 5 points per dollar spnet on hotels, car rentals and attractions booked via CitiTravel.com. The card additionally earns 3 points per dollar spent at supermarkets, select transit and at gas and EV charging stations plus 3 points per dollar spent on an eligible self-select category you get to choose. Finally, this card earns 2 points per dollar spent at restaurants and 1 point per dollar spent on all other purchases.