Review
Citi Strata℠ Card Review: Great Rewards on Everyday Spending
Looking for a no-annual-fee credit card that rewards everyday spending? The Citi Strata℠ Card offers great rewards on groceries, gas, and more, plus a 0% intro APR period.
| 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. |
Overview
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
Benefits
Drawbacks
Decision Guidance
Summary
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...