Review
Citi Strata℠ Card Review: Maximize Rewards Without an Annual Fee
Looking for a no-annual-fee credit card that still packs a rewards punch? Our review of the Citi Strata℠ Card dives deep into its impressive points system, flexible bonus categories, and travel perks.
| Annual Fee | $0.00 |
| Regular APR | Variable APR after intro rate expires1 % - % on purchases and balance transfers based on your creditworthiness after that, the variable APR for unpaid promotional balances, new purchases, and new balance transfers is % - %, based on your creditworthiness For Citi Flex Plans subject to an APR, the variable APR is % - %, based on creditworthiness The variable APR for cash advances is % The variable penalty APR is up to % and may be applied if you make a late payment or make a payment that is returned |
| Intro APR | % Intro APR for months on purchases and balance transfers; after that, the variable APR will be % - % based on your credit worthiness.1 |
| Rewards Rate | 1x-5x points on select categories |
| Sign-up Bonus | Bonus points after spending threshold |
| Other Fees | Intro balance transfer fee1 % ($ 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 – $. |
Overview
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
Benefits
Drawbacks
Decision Guidance
Summary
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...