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; after that, the variable APR will be 18.49% - 28.49% based on your credit worthiness. |
| Regular APR | after that, the variable APR for unpaid promotional balances, new purchases, and new balance transfers is 18.49% - 28.49%, 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 | 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 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
- High rewards rate
- Flexible rewards 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 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
- No Authorized User Fee
- 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
- Citi Entertainment
- Transfer your ThankYou Points
- Mastercard ID Theft Protection
- Automatic account alerts
- Digital wallets
- Choose your payment due date
- Citi Quick Lock
- 24-hour fraud protection
- 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.
- Contactless pay
- Paperless statements and e-communications
- Add an Authorized User
- 24/7 Customer Service
- Citi Mobile App
- Access FICO Score
- Citi Entertainment is an entertainment access program available to eligible Citi credit card and Citibank Debit Card customers.
- 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 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.
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.