Citi Strata℠ Card
Citi · MASTERCARD
The Citi Strata℠ Card is a credit card from Citi on the Mastercard network. It has an annual fee of $0. It earns 5x on travel, 3x on groceries, 2x on dining & restaurants. The welcome offer is Earn 20,000 bonus Points after spending $1,000 in the first 3 months of account opening.
Key facts
- Annual fee
- $0
- Purchase APR
- 18.49% - 28.49% variable APR
- Credit needed
- Excellent, Good
- Network
- MASTERCARD
- Welcome offer
- Earn 20,000 bonus Points after spending $1,000 in the first 3 months of account opening.
Reward rates by category
| Category | Rate | Detail |
|---|---|---|
| Travel | 5x | 5x on Hotels |
| Groceries | 3x | 3x on Supermarkets |
| Dining & restaurants | 2x | 2x on Restaurants |
Benefits and perks
- Earn 20,000 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 18.74% – 28.74%, 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
Rates and fees
Annual membership fee: $0. Purchase APR: 18.49% - 28.49% variable APR, based on creditworthiness and the Prime Rate.
Rates and fees as published by the issuer and recorded on 1 Oct 2026. See the issuer's terms for current rates. View the issuer's terms
Questions about the Citi Strata℠ Card
What is the annual fee on the Citi Strata℠ Card?
The Citi Strata℠ Card has an annual fee of $0.
What rewards does the Citi Strata℠ Card earn?
The Citi Strata℠ Card earns 5x on travel, 3x on groceries, 2x on dining & restaurants.
What credit score do you need for the Citi Strata℠ Card?
The Citi Strata℠ Card is generally listed for applicants with excellent or good credit. Approval also depends on income and the issuer's own criteria.
Is the Citi Strata℠ Card worth it?
The Citi Strata℠ Card is worth it when the rewards you would earn on your own spending exceed its annual fee. Upload a statement to Woodo and the calculation runs against your real categories rather than an assumed budget.
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