Citi Strata℠ Card
20,000 ThankYou Points welcome bonus. No annual fee.
- Welcome offer
- Issuer's pageciti.com
“EARN 20,000 BONUS POINTS AFTER QUALIFYING PURCHASES 1”
- Annual fee
- Issuer's pageciti.com
“Annual fee - $0 .”
- Purchase APR
- Issuer's pageciti.com
“0 % Intro APR for 15 months on purchases and balance transfers from date of account opening; after that, the variable APR for unpaid promotional balances, new purchases, and new balance transfers is 18.74 % - 28.74 %, based on your creditworthiness.”
- Foreign transaction fee
- Issuer's pageciti.com
The source states this figure; we have no exact sentence on file yet.
We don't earn anything from this link. Select any underlined figure to see where it comes from.
What it's worth
| Spending | First year | After |
|---|---|---|
| Light spender | $430 | $230 |
| Typical spender | $730 | $530 |
| Heavy spender | $1,220 | $1,020 |
The spending each assumes, a month
- Light spender: groceries $300, dining $100, gas $100, everything else $500
- Typical spender: groceries $600, dining $300, gas $200, travel $150, everything else $1,250
- Heavy spender: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500
Assumed: not counted: 5x Attractions booked through cititravel.com; points valued at an assumed 1¢; not counted: 5x Hotels booked through cititravel.com.
Estimates from the published terms above, as checked Oct 4, 2026; not advice. How we value cards
How it compares
- No annual fee, like about 100% of the 49 cards on our 0% intro APR list (see the list).
- Worth more to a typical spender than about 100% of the 50 cards on our 0% intro APR list (see the list).
- Lower top APR than about 25% of the 577 cards we track.
Shares rounded to 5 points. Fees and APRs as stated; value for our typical spender. Method
Welcome offer
20,000 Points
Qualifying purchases
New cardmembers only. Subject to credit approval. Additional limitations, terms and conditions apply.
How you earn · ThankYou Rewards
- 5× pointsHotels booked through cititravel.com
- 5× pointsCar rentals booked through cititravel.com
- 5× pointsAttractions booked through cititravel.com
- 3× pointsSupermarkets
- 3× pointsSelect Transit
- 3× pointsGas Stations
- 3× pointsEV Charging Stations
- 3× pointsAn eligible Self-Select Category of your choice: Fitness Clubs, Select Streaming Services, Live Entertainment, Cosmetic Stores/Barber Shops/Hair Salons, or Pet Supply Stores
- 2× pointsRestaurants
- 1× pointsEverything else
Rates and fees
| Annual fee | Issuer's pageciti.com “Annual fee - $0 .” |
|---|---|
| Purchase APR | Issuer's pageciti.com “0 % Intro APR for 15 months on purchases and balance transfers from date of account opening; after that, the variable APR for unpaid promotional balances, new purchases, and new balance transfers is 18.74 % - 28.74 %, based on your creditworthiness.” |
| Intro APR | Issuer's pageciti.com The source states this figure; we have no exact sentence on file yet. |
| Balance transfer APR | Issuer's pageciti.com “0 % Intro APR for 15 months on purchases and balance transfers from date of account opening; after that, the variable APR for unpaid promotional balances, new purchases, and new balance transfers is 18.74 % - 28.74 %, based on your creditworthiness.” |
| Balance transfer fee | Issuer's pageciti.com The source states this figure; we have no exact sentence on file yet. |
| Cash advance APR | Issuer's pageciti.com “The variable APR for cash advances is 29.99 %.” |
| Cash advance fee | Issuer's pageciti.com “Cash advance fee - either $ 10 or 5 % of the amount of each cash advance, whichever is greater.” |
| Penalty APR | Issuer's pageciti.com “The variable penalty APR is up to 29.99 % and may be applied if you make a late payment or make a payment that is returned.” |
| Foreign transactions | Issuer's pageciti.com The source states this figure; we have no exact sentence on file yet. |
| Minimum interest charge | Issuer's pageciti.com “Minimum interest charge – $ 0.50 .” |
Carrying a balance? See how long it takes to pay off
Benefits
- Citi Entertainment® provides eligible Citi credit card customers special access to purchase tickets to thousands of events, including presale tickets and exclusive experiences.
- Citi Travel® provides access to over 1.4 million hotels and resorts available worldwide.
- Points may be transferred to participating airline and hotel partners; the minimum transfer is 1,000 points.
- Citi Flex Pay is available on eligible purchases of $75 or more, allowing payment over time in fixed monthly payments while continuing to earn points on purchases.
Questions
- What is the annual fee?
- $0 citi.com, since Sep 29, 2026
- Does it charge a foreign transaction fee?
- Yes: 3 % of the U.S. dollar amount of each purchase.. citi.com, since Oct 3, 2026
- What is the purchase APR?
- 18.74–28.74% APR citi.com, since Sep 29, 2026
- Is there an intro APR?
- 0 % for 15 months. citi.com, since Sep 29, 2026
- Is there a welcome bonus?
- 20,000 ThankYou Points. citi.com, since Sep 29, 2026
Other points cards with no annual fee
- GM Business MastercardBarclays · No annual fee+$370 a year
- GM Rewards MastercardBarclays · No annual fee+$370 a year
- CareCredit MastercardSynchrony · No annual fee+$180 a year
Against this card, for our typical spender's value (rewards and credits minus fees, after the first year).