Citi
Citi Strata℠ Card
Key Features
| Annual Fee | $0.00 |
| Intro APR | % Intro APR for months on purchases and balance transfers; after that, the variable APR will be % - % based on your credit worthiness.1 |
| Regular APR | Variable APR after intro rate expires1 % - % on purchases and balance transfers based on your creditworthiness after that, the variable APR for unpaid promotional balances, new purchases, and new balance transfers is % - %, based on your creditworthiness For Citi Flex Plans subject to an APR, the variable APR is % - %, based on creditworthiness The variable APR for cash advances is % The variable penalty APR is up to % and may be applied if you make a late payment or make a payment that is returned |
| Other Fees | Intro balance transfer fee1 % ($ minimum) of each transfer, completed within first 4 months of account opening Balance transfer fee after intro rate expires1 % ($ minimum) of each transfer Fee for foreign purchases - % of the U.S. dollar amount of each purchase. Cash advance fee - either $ or % of the amount of each cash advance, whichever is greater. For Citi Flex Pay Plans subject to a Plan Fee, a monthly fee of up to % will apply, based on the Citi Flex Plan duration, the APR that would otherwise apply to the Transaction, and other factors. Minimum interest charge – $. |
| Network | Mastercard |
About this card
The Citi Strata Card is a solid offering with a few key strengths and weaknesses. Its strongest point is its rewards program, offering competitive earning rates on several popular spending categories, especially considering the card has no annual fee. The flexibility in redemption options, including points transfers, adds to its appeal. However, the high regular APR and the presence of foreign transaction fees are significant drawbacks. The card's reputation is generally positive, but it's relatively new, so its long-term standing is still being established. The card is best suited for those who can pay their balance in full each month to avoid the high APR and don't frequently make purchases in foreign currencies. Overall, it's a good card but not exceptional, earning a 3.3 rating. It balances decent rewards with potential cost concerns related to interest and foreign transactions.
Pros & Cons
What's great
- No annual fee
- Intro APR period
- Generous sign-up bonus
- Cashback on purchases
- Transfer partners
Things to consider
- High regular APR
- Foreign transaction fees apply
- Balance transfer fee
What this card offers
Sign-up bonuses
- Earn bonus points after spending $ in the first months2
Rewards
- 5 points per dollar spent on Hotels, Car Rentals, and Attractions booked on cititravel.com2
- 3 points per dollar spent at Supermarkets2
- 3 points per dollar spent on Select Transit and at Gas & EV Charging Stations2
- 3 points per dollar spent on an eligible Self-Select Category of your choice2
- 2 points per dollar spent at Restaurants2
- 1 point per dollar spent on All Other Purchases2
Other features
- Earn 3x points on 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.2
- No Authorized User Fee1
- Shop with points
- Use points at participating merchants like Amazon, PayPal, CVS and others
- Gift cards, cash back, and more
- Redeem your ThankYou® Points for gift cards to your favorite retailers and more at thankyou.com
- Citi Travel®
- Use points to book flights, hotels, car rentals, and experiences on cititravel.com
- Points transfer
- Points transfer to JetBlue, Virgin Atlantic, Cathay Pacific, Eva Air, Choice Hotels, The Leading Hotels of the World® and others
- Citi Entertainment®
- Transfer your ThankYou® Points
- Mastercard ID Theft Protection
- Automatic account alerts
- Stay updated on balance, payments and credit limits via email or text.
- Digital wallets
- Digital wallets let you shop with confidence in millions of places online, within apps and in stores.
- Choose your payment due date
- Choose to pay your bill at any available due date in the beginning, middle or end of the month.
- Security and protection
- Citi® Quick Lock
- Misplaced your card? Use Citi® Quick Lock in the Citi Mobile® App or at citi.com to instantly block new charges while allowing recurring transactions to continue without disruption.
- 24-hour fraud protection
- Citi will alert you if we see unusual activity on your account.
- Mastercard® ID Theft Protection
- The ID Theft Protection program offered by Mastercard® helps eliminate the worry of identity theft by monitoring the information you choose to protect and alerting you if suspicious activity is found. It takes just a few minutes to enroll for free, and as soon as you do, your monitoring begins. Visit mastercardidps.idprotectiononline.com to learn more.
- Contactless pay
- Shop safely with a contactless chip-enabled card. Just tap your card on the payment reader and go in seconds.
- Card management
- Paperless statements and e-communications
- Reduce clutter and get your statements and most legal notices online instead of in the mail.
- Add an Authorized User
- Add an Authorized User to your account at no additional cost and earn points faster.
- 24/7 Customer Service
- Questions about your Citi® card account? Just call the number on the back of your credit card. Just say “representative” to access fast, live help from a friendly Customer Service representative ready to help with virtually every aspect of your cardmembership (including technical assistance) — 24 hours a day, 365 days a year.
- Citi Mobile® App
- Manage your account when you want, where you want and the way you want. It's how Citi digital services help you get the most out of your time.
- Access FICO® Score
- Get free access to your FICO® Score online to review your credit history.
- Citi® Flex Pay
- Buy now, pay later with Citi® Flex Pay. Pay over time in fixed monthly payments and continue to earn points on purchases. Available on eligible purchases of $75 or more.2
Additional Notes
This offer may not be available if you leave this page. Offers may vary and this offer may not be available in other places where the card is offered. Bonus ThankYou® Points are not available if you received a new account bonus for a Citi Strata℠, Citi Strata Student, Citi Rewards+® or Citi Rewards+ Student account in the past 48 months or if you converted another Citi credit card account on which you earned a new account bonus in the last 48 months into a Citi Strata℠, Citi Strata Student, Citi Rewards+® or Citi Rewards+ Student account. New cardmembers only. Subject to credit approval. Additional limitations, terms and conditions apply. You will be given further information when you apply.