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 |
| Regular APR | Variable APR after intro rate expires 18.49% - 28.49% on purchases and balance transfers based on your creditworthiness For Citi Flex Plans subject to an APR, the variable APR is 18.49% - 28.49%, based on creditworthiness. The variable APR for cash advances is 29.74%. 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 Intro balance transfer fee 3% ($5 minimum) of each transfer, completed within first 4 months of account opening Balance transfer fee after intro rate expires 5% ($5 minimum) of each transfer 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. Minimum interest charge – $0.50. 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 is a decent offering that balances solid rewards with potential cost concerns. Its strengths lie in its generous rewards program, particularly the 5x and 3x points categories, and the absence of an annual fee. The flexibility in redemption options, including point transfers, is a plus. However, the high regular APR and the presence of foreign transaction fees are considerable drawbacks. The card is best suited for individuals who pay their balance in full each month and avoid foreign transactions. While the card is generally well-regarded, customer service issues reported with Citi detract slightly from its appeal. Therefore, considering these factors, the card earns an overall rating of 3.2.
Pros & Cons
What's great
- No annual fee
- Intro APR period
- Generous sign-up bonus
- Multiple bonus categories
- Transfer partners
Things to consider
- High regular APR
- Foreign transaction fees apply
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 on Select Transit and at Gas & EV Charging Stations
- 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 JetBlue, Virgin Atlantic, Cathay Pacific, Eva Air, Choice Hotels, The Leading Hotels of the World and others
- Citi Entertainment
- Mastercard ID Theft Protection
- Automatic account alerts
- Digital wallets
- Choose your payment due date
- Citi Quick Lock
- 24-hour fraud protection
- Contactless pay
- Paperless statements and e-communications
- Add an Authorized User
- 24/7 Customer Service
- Citi Mobile App
- Access FICO Score
- Citi Travel
- Citi Flex Pay
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.