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
- 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
- Is there an Annual Fee for the Citi Strata℠ Card? There is no Annual Fee.1
- How does the Self-Select Category work? You will earn 3X ThankYou Points for each $1 spent on purchases made in an eligible Self-Select Category of your choice. Self-Select Categories include: Fitness Clubs, Select Streaming Services, Live Entertainment, Cosmetic Stores/Barber Shops/Hair Salons, and Pet Supply Stores. When your account is opened, the default Self-Select Category is Select Streaming Services. To change your Self-Select Category the primary card member must register for an online account and sign-in at citi.com/selfselect or call 1-800-842-6596 (TTY: We accept 711 or other Relay
- Is the Citi Strata℠ Card a Mastercard® or Visa® Credit Card? The Citi Strata℠ Card is a Mastercard®.
- How do you redeem ThankYou® Points with the Citi Strata℠ Card? You can easily redeem ThankYou® Points for your Citi Strata℠ Card online or by calling the ThankYou Service Center. You can also use ThankYou Points for travel at cititravel.com. If you choose to redeem online, visit thankyou.com to view the entire rewards collection available through the ThankYou® Rewards program. Upon login, there are several ways you can browse and redeem for rewards: The main Rewards page presents all categories. Simply select the type of reward you're interested in to see what the collection has to offer. Brow
- What credit score is needed to qualify for the Citi Strata℠ Card? There are many factors that Citi uses to determine creditworthiness, including your credit score. You can always visit Citi's Credit Card homepage and navigate to the pre-qualify section to see which type of Citi card you may be pre-qualified for without affecting your credit score.
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 7 Sept 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.
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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