134 Reviews

Citi Strata℠ Card

134 Reviews

  • Rewards rate

    1x - 5x
    Points per dollar

  • Annual fee

    $0

  • Welcome bonus

    30,000
    Points

  • Editors' bonus value estimate

    $300

Additional rates & fees

Annual fee
$0
Intro purchase APR
0% for 15 months on Purchases
Regular purchase APR
19.24% - 29.24% (Variable)
Intro balance transfer APR
0% for 15 months on Balance Transfers
Regular balance transfer APR
19.24% - 29.24% (Variable)
Cash advance APR
29.49% (Variable)
Cash advance fee
5% of each cash advance; $10 minimum
Late fee
See Terms*
Penalty APR
Up to 29.99% (Variable)
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.
Foreign transaction fee
3%
Return payment fee
Up to $41

* See the online provider's credit card application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However, all credit card information is presented without warranty. When you click on the "Continue" button, you can review the credit card terms and conditions on the provider's website.

Card details

  • 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
Rates and fees