Rated 4.5/5.0 stars by our editorial team
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4.5/5.0 from 0 Offer Ratings
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3%
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.
Up to 29.99% (Variable)
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.
$0
With a $0 annual fee, the Citi Strata℠ Card is a well-rounded card that’s brimming with value. Cardholders get a powerful rewards rate that gives users some choice in what kind of purchases they earn points on.
The welcome offer isn’t the biggest we’ve seen, but we think that it’s still pretty valuable. On top of that, cardholders get a strong intro APR period on purchases and balance transfers, which can be a game-changer if you have a big purchase coming up or you want to pay down high-interest debt faster.
If you want to maximize your travel rewards with this card, just make sure you’re willing to book flights and hotels using Citi Travel®.
If you’re looking for a strong top-of-wallet card that earns points quickly, this is a strong choice. And if you plan to book travel using Citi Travel®, the card is even more valuable.
We think the rewards rate for this card is impressive — you can easily rack up ThankYou® Points on a wide range of frequent purchase categories. Plus, the welcome offer is pretty easy to achieve, and you get an intro APR period on both purchases and balance transfers.
We like that this card offers a self-selected choice category to earn more points, but the categories aren’t wildly expansive.
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.