Citi Strata℠ Card
Earn 20,000 bonus Points
Earn 20,000 bonus Points after spending $1,000 in the first 3 months of account opening.
Rewards Rates
1 - 5X points
Annual Fee
$0
Regular APR
18.74% - 28.74% (Variable)
Recommended Credit
Excellent, Good
The Points Guy believes that credit cards can transform lives, helping you leverage everyday spending for cash back or travel experiences that might otherwise be out of reach. That's why we publish a variety of editorial content and card comparisons: to help you find a great card to turn your goals into reality.
Our site may earn compensation when a customer clicks on a link, when an application is approved, or when an account is opened with our partners, and this may impact how or where these products appear. While we don't cover all available credit cards, our editorial team creates and maintains all of the analysis of these cards, and our content is not influenced nor subject to review by any credit card company, bank or partner prior to (or after) publication. Please view our advertising policy and product review methodology for more information.
The Points Guy believes that credit cards can transform lives, helping you leverage everyday spending for cash back or travel experiences that might otherwise be out of reach. That's why we publish a variety of editorial content and card comparisons: to help you find a great card to turn your goals into reality.
Our site may earn compensation when a customer clicks on a link, when an application is approved, or when an account is opened with our partners, and this may impact how or where these products appear. While we don't cover all available credit cards, our editorial team creates and maintains all of the analysis of these cards, and our content is not influenced nor subject to review by any credit card company, bank or partner prior to (or after) publication. Please view our advertising policy and product review methodology for more information.
Earn 20,000 bonus Points
Earn 20,000 bonus Points after spending $1,000 in the first 3 months of account opening.
1 - 5X points
$0
18.74% - 28.74% (Variable)
Excellent, Good
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 reviewThe 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.
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.
Rewards Rates
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
18.74% - 28.74% (Variable)
Introductory Balance Transfer APR
0% Intro APR for 15 months on balance transfers.
Ongoing Balance Transfer APR
18.74% - 28.74% (Variable)
Ongoing Cash Advance APR
29.99% (Variable)
Ongoing Penalty APR
Up to 29.99% (Variable)
Annual Fee
$0
Recommended Credit
More Details
18.74% - 28.74% (Variable)
Ongoing Cash Advance APR
29.99% (Variable)
Ongoing Penalty APR
Up to 29.99% (Variable)
Annual Fee
$0
Recommended Credit
More Details