Citi Strata℠ Card | CompareCards.com

Citi Strata℠ Card

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Citi Strata℠ Card

 

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Rates & Fees
  • Regular Purchase APR 19.24% - 29.24% (Variable)
  • Intro Purchase APR 0% intro APR for 15 months on Purchases
  • Intro BT APR 0% intro APR for 15 months on Balance Transfers
  • Annual Fee $0
  • Credit Needed Good / Excellent
  • Card Brand Mastercard®
  • Regular Purchase APR 19.24% - 29.24% (Variable)
  • Intro Purchase APR 0% intro APR for 15 months on Purchases
  • Intro BT APR 0% intro APR for 15 months on Balance Transfers
  • Annual Fee $0
  • Credit Needed Good / Excellent
  • Card Brand Mastercard®

Highlights

  • Earn 30,000 bonus Points after spending $1,000 in the first 3 months of account opening.
  • 0% Intro APR on balance transfers and purchases for 15 months; after that, the variable APR will be 19.24% - 29.24%, based on your creditworthiness. There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).
  • Earn 3 ThankYou® Points for each $1 spent in an eligible Self-Select Category of your choice (Fitness Clubs, Select Streaming Services, Live Entertainment, Cosmetic Stores/Barber Shops/Hair Salons, or Pet Supply Stores). Choose your eligible Self-Select Category on Citi Online or by calling customer service. The default Self-Select Category is Select Streaming Services.
  • Earn 5 ThankYou® Points for each $1 spent on Hotels, Car Rentals and Attractions booked on Citi Travel® via cititravel.com; earn 3 ThankYou Points for each $1 spent at Supermarkets, on Select Transit purchases, and at Gas & EV Charging Stations.
  • Earn 2 ThankYou® Points for each $1 spent at Restaurants; earn 1 ThankYou® Point for each $1 spent on All Other Purchases.
  • No Annual Fee
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Card Fees

Foreign Transaction Fee

3%

Balance Transfer Fee

There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. A balance transfer fee of 5% of each transfer ($5 minimum) applies if completed after 4 months of account opening.

Penalty APR

Up to 29.99% (Variable)

Ongoing Information

Rewards Rate

Earn 3 ThankYou® Points for each $1 spent in an eligible Self-Select Category of your choice (Fitness Clubs, Select Streaming Services, Live Entertainment, Cosmetic Stores/Barber Shops/Hair Salons, or Pet Supply Stores). Choose your eligible Self-Select Category on Citi Online or by calling customer service. The default Self-Select Category is Select Streaming Services. Earn 5 ThankYou® Points for each $1 spent on Hotels, Car Rentals and Attractions booked on Citi Travel® via cititravel.com; earn 3 ThankYou Points for each $1 spent at Supermarkets, on Select Transit purchases, and at Gas & EV Charging Stations. Earn 2 ThankYou® Points for each $1 spent at Restaurants; earn 1 ThankYou® Point for each $1 spent on All Other Purchases.

Annual Fee

$0

Expert Reviews

From the CompareCards.com Editorial Team, updated on Jul 29, 2025

Expert Reviews of Citi Strata℠ Card

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Editorial Note: This content is not provided by Citibank. Any opinions, analyses, reviews, or recommendations expressed on this page are those of the author’s alone, and may not have been reviewed, approved or otherwise endorsed by Citibank.

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