Citi
Citi Strata® Card
Key Features
| Annual Fee | $0.00 |
| Sign-up Bonus | 20,000 bonus points |
| Rewards Rate | 1x-5x Points |
| Intro APR | 0% Intro APR for 15 months on purchases and balance transfers from date of account opening; after that, the variable APR for unpaid promotional balances, new purchases, and new balance transfers is 18.74% - 28.74%, based on your creditworthiness. |
| Regular APR | After that, the variable APR for unpaid promotional balances, new purchases, and new balance transfers is 18.74% - 28.74%, based on your creditworthiness. For Citi Flex Plans subject to an APR, the variable APR is 18.74% - 28.74%, based on creditworthiness. The variable APR for cash advances is 29.99%. The variable penalty APR is up to 29.99% and may be applied if you make a late payment or make a payment that is returned. |
| Other Fees | No Authorized User Fee Minimum interest charge – $0.50. Fee for foreign purchases - 3% of the U.S. dollar amount of each purchase. Cash advance fee - either $10 or 5% of the amount of each cash advance, whichever is greater. Balance transfer fee — intro fee of 3% of each transfer ($5 minimum) completed within the first 4 months of account opening. After that, 5% of each transfer ($5 minimum). For Citi Flex Pay Plans subject to a Plan Fee, a monthly fee of up to 1.72% will apply, based on the Citi Flex Plan duration, the APR that would otherwise apply to the Transaction, and other factors. |
| Network | Mastercard |
About this card
The Citi Strata® Card earns an overall rating of 4.3 out of 5.0, positioning it as an 'Excellent' credit card. This rating reflects a very strong overall value proposition, driven by an exceptional rewards program and a highly competitive introductory APR, despite a few notable limitations in its fee structure.The card's standout feature is its Rewards Program (4.8/5.0), which is truly best-in-class for a no-annual-fee product. It offers generous earning rates across popular categories, including 5x on travel booked through cititravel.com, 3x on everyday spending like supermarkets and gas, and a flexible self-select category. The strong sign-up bonus further enhances its appeal. What elevates it to an exceptional level is the inclusion of valuable point transfer partners (e.g., American Airlines, JetBlue), a feature typically reserved for premium annual-fee cards. This provides immense flexibility and potential for high redemption value, making it highly attractive to points enthusiasts.The APR Rating (4.2/5.0) is also very strong, primarily due to an excellent 0% Intro APR for 15 months on purchases and balance transfers. This offers a substantial period of interest-free financing, which is a significant draw. While the variable regular APR range can be high at its upper end (28.74%), the lower end is competitive, and the generous intro period provides substantial value for new cardholders.However, the Fees Rating (3.8/5.0) presents a mixed picture. The absence of an annual fee is a major advantage, significantly boosting the card's long-term value. This is a critical factor for many consumers. The primary drawback here is the 3% foreign transaction fee. For a card that offers strong travel rewards and transfer partners, this fee significantly diminishes its utility for international spending, which can be a notable impediment for frequent travelers. Additionally, the standard balance transfer fee is on the higher side after the intro period.Overall, the Citi Strata® Card is an outstanding choice for consumers with very good credit who seek a no-annual-fee card with premium-level rewards, especially those who can maximize point transfers. Its exceptional earning potential and redemption flexibility far outweigh its weaknesses for domestic use. While the foreign transaction fee is a significant consideration for international travel, it does not overshadow the immense value provided for everyday spending and domestic travel redemptions.Strengths:Exceptional Rewards Program: High earning rates and valuable point transfer partners for a no-annual-fee card.No Annual Fee: Provides long-term value without ongoing costs.Strong Introductory APR: 15 months of 0% APR on purchases and balance transfers.Generous Sign-Up Bonus: Good return on initial spending.Flexible Earning Categories: Includes a self-select bonus category.Weaknesses:High Foreign Transaction Fee (3%): Limits its value for international travel and spending.Potentially High Regular APR: The upper end of the variable APR range is quite high.High Balance Transfer Fee: After the introductory period, the fee of 5% is on the higher side.
Pros & Cons
What's great
- No annual fee
- Intro APR period
- Generous sign-up bonus
- High rewards rate
- Rotating bonus categories
- Transfer partners
Things to consider
- High regular APR
- Foreign transaction fees apply
- High balance transfer fee
What this card offers
Sign-up bonuses
- Earn 20,000 bonus points after spending $1,000 in the first 3 months
Rewards
- 5 points per dollar spent on Hotels, Car Rentals, and Attractions booked on cititravel.com
- 3 points per dollar spent at Supermarkets
- 3 points per dollar spent at Gas & EV Charging Stations and on Select Transit.
- 3 points per dollar spent on an eligible Self-Select Category of your choice
- 2 points per dollar spent at Restaurants
- 1 point per dollar spent on All Other Purchases
Other features
- Use points at participating merchants like Amazon, PayPal, CVS and others
- Redeem your ThankYou Points for gift cards to your favorite retailers and more at thankyou.com
- Use points to book flights, hotels, car rentals, and experiences on cititravel.com
- Points transfer to American Airlines, JetBlue, Virgin Atlantic, Cathay, Eva Air, Choice Hotels, The Leading Hotels of the World and others
- Automatic account alerts
- Digital wallets let you shop with confidence in millions of places online, within apps and in stores.
- Choose your payment due date
- 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.
- Citi will alert you if we see unusual activity on your account.
- 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.
- Contactless pay. Just tap your card on the payment reader and go in seconds.
- Paperless statements and e-communications
- Add an Authorized User to your account at no additional cost and earn points faster.
- 24/7 Customer Service
- Citi Mobile App: Manage your account when you want, where you want and the way you want.
- Access FICO Score: Get free access to your FICO Score online to review your credit history.
- Citi Entertainment is an entertainment access program available to eligible Citi credit card and Citibank Debit Card customers. Citi cardmembers get special access to purchase tickets to thousands of events, including presale tickets and exclusive experiences to the year's most anticipated concerts, sporting events, arts and culture experiences.
- With Citi Travel, you can book flights, hotels, car rentals and attractions using your eligible Citi card, points or a combination of both.
- Points transfer to American Airlines, JetBlue, Virgin Atlantic, Cathay, Eva Air, Choice Hotels, The Leading Hotels of the World and others. The minimum transfer is only 1,000 points.
- 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.
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. New account bonus offer is not available if you currently have or previously had a Citi Strata or a Citi Strata Student account. You also may not be eligible for the new account bonus offer based on a number of factors, such as your history of opening, closing and using credit cards.