Card details · Citi
Citi Strata Card review: fees, rewards and APR
The Citi Strata℠ Card is a credit card from Citi with a $0 annual fee. By our overall score it ranks #19 of the 242 credit cards we rank (store-only cards excluded), and #1 of 13 Citi cards. It is listed in our gas, grocery, dining and 0% intro APR rankings.
Key facts
- Issuer
- Citi
- Network
- Mastercard
- Annual fee
- $0
- Welcome offer
- Earn 20,000 bonus points after spending $1,000 in the first 3 months.
- Intro APR
- purchases 15 months · balance transfers 15 months
- Ongoing APR
- 18.49%–28.49%
- Balance transfer fee
- Introductory balance transfer fee of $5 or 3% of the amount of the transfer, whichever is greater for balances transfers completed within 4 months of account opening. After that, balance transfer fee will be $5 or 5% of the amount of the transfer, which ever is greater.
- Our overall score
- 76 (#19 of 242 cards)
Sign-up bonus history
Below the highest offer we’ve tracked (30,000 points)
- Current offer
- 20,000 points
Earn 20,000 bonus points after spending $1,000 in the first 3 months. - Highest tracked since April 2026
- 30,000 points
Earn 30,000 bonus points after spending $1,000 in the first 3 months. - Lowest tracked since April 2026
- 20,000 points
Earn 20,000 bonus points after spending $1,000 in the first 3 months. - Changes tracked
- 3
Show each tracked change
| Date | Headline amount | Offer as recorded |
|---|---|---|
| Apr 22, 2026 | 30,000 points | Earn 30,000 bonus points after spending $1,000 in the first 3 months. |
| Jun 29, 2026 | 20,000 points | Earn 20,000 bonus points after spending $1,000 in the first 3 months. |
| Jul 29, 2026 | 30,000 points | Earn 30,000 bonus points after spending $1,000 in the first 3 months. |
| Aug 2, 2026 | 20,000 points | Earn 20,000 bonus points after spending $1,000 in the first 3 months. |
We compare each offer’s headline bonus amount and track it since April 2026 (earlier history is not covered). Spend requirements and time windows may have changed too. Past offers don’t predict future ones. Methodology.
Rewards
- 5x points per dollar on hotels, car rentals, and attractions booked on cititravel.com
- 3x points per dollar spent at supermarkets
- 3x points per dollar spent on select transit and at gas & EV charging stations
- 3x points per dollar spent on an eligible self-select category of your choice
- 2x points per dollar spent at restaurants
- 1x point per dollar spent on all other purchases
Intro APR and balance transfers
0% intro APR on purchases for 15 months. 0% intro APR on balance transfers for 15 months. Balance transfer fee: Introductory balance transfer fee of $5 or 3% of the amount of the transfer, whichever is greater for balances transfers completed within 4 months of account opening. After that, balance transfer fee will be $5 or 5% of the amount of the transfer, which ever is greater.
Balance transfer fee: Introductory balance transfer fee of $5 or 3% of the amount of the transfer, whichever is greater for balances transfers completed within 4 months of account opening. After that, balance transfer fee will be $5 or 5% of the amount of the transfer, which ever is greater.
Ongoing APR: 18.49%–28.49%
Where it ranks
- Overall: #19 of 242 cards (score 76)
- Citi credit cards: #1 of 13
- Gas cards: #3 of 43 by our gas score
- Grocery cards: #4 of 56 by our grocery score
- Dining cards: #5 of 64 by our dining score
- 0% intro APR cards: #11 of 46 by our 0% intro APR score
Category positions use the score each category ranking is built on, among the non-store cards tagged with that category in our database; a category page can show fewer cards (for example after filters), so its on-page position can differ slightly.
How we put this page together
Everything on this page comes from our card database (checked against Citi’s own site) as of October 9, 2026: fees, APRs, rewards and the welcome offer are shown as stored, without our own estimates. The score is our overall card score, explained in our methodology. We don’t publish star ratings or user reviews. Terms apply; confirm current terms with the issuer before applying.
Frequently asked questions
What is the annual fee on the Citi Strata Card?
$0, as stored in our database. Confirm the current fee on Citi’s site.
Does the Citi Strata Card have a welcome bonus?
Our database lists this offer: Earn 20,000 bonus points after spending $1,000 in the first 3 months. Offers change often and terms apply.
Does the Citi Strata Card have a 0% intro APR?
Our database lists: 0% intro APR on purchases for 15 months. 0% intro APR on balance transfers for 15 months. Balance transfer fee: Introductory balance transfer fee of $5 or 3% of the amount of the transfer, whichever is greater for balances transfers completed within 4 months of account opening. After that, balance transfer fee will be $5 or 5% of the amount of the transfer, which ever is greater. Terms apply.
How does the Citi Strata Card rank on YourBestCards?
#19 of 242 cards by our overall score (76). In our category lists: #3 of 43 gas cards; #4 of 56 grocery cards; #5 of 64 dining cards; #11 of 46 0% intro APR cards.
What is the highest Citi Strata Card sign-up bonus you have tracked?
Since April 2026, the highest headline amount we have tracked is 30,000 points and the lowest is 20,000 points, across 3 changes. The current offer is 20,000 points. This only covers the period we have tracked; terms apply.
Other top Citi cards
- #2
Citi® / AAdvantage® Globe™ Mastercard®
Score 68- 3 AAdvantage® miles for every $1 spent on eligible American Airlines purchases
- 6 AAdvantage® miles for every $1 spent on eligible AAdvantage Hotels™ bookings
- 2 AAdvantage® miles for every $1 spent at restaurants, including takeout and delivery
- Annual fee
- $350
- Welcome offer
- Earn 90,000 AAdvantage® bonus miles after $5,000 in purchases in the first 4 months
- #3
Citi® / AAdvantage® Executive card
Score 66- 12 AAdvantage® miles for every $1 spent on eligible AAdvantage Hotels® bookings and eligible AAdvantage Cars® bookings
- 4 AAdvantage® miles for every $1 spent on eligible American Airlines purchases. After you spend $150,000 in purchases in a calendar year, earn a total of 5 AAdvantage® miles for every $1 spent on eligible American Airlines purchases for the remainder of the year
- 1 mile for all other purchases
- Annual fee
- $695
- Welcome offer
- Earn 125,000 AAdvantage® bonus miles after making $15,000 in purchases within the first 5 months of account opening.
- 10x points per $1 spent on hotels, car rentals and attractions booked at cititravel.com
- 3x points on air travel and other hotel purchases
- 3x points at supermarkets, restaurants, gas & EV charging stations
- Annual fee
- $95
- Welcome offer
- Earn 60,000 bonus points spending $4,000 in the first 3 months of account opening, redeemable for $600 in gift cards or travel rewards at thankyou.com.
- #5
Citi / AAdvantage Business World Elite Mastercard
Score 61- 2 AAdvantage miles per $1 on AA + car rentals/gas/telecom
- 1 mile per $1 all other
- Annual fee
- $99
- Welcome offer
- 75,000 AAdvantage miles after $5,000 spend in 5 months
- #6
Citi® Diamond Preferred® Card
Score 60- none
- Annual fee
- $0
- Intro APR
- purchases 12 months · balance transfers 21 months
Offers, fees and APRs are shown as stored in our database and can change at any time; terms apply. Always confirm current terms on the issuer’s site before applying. Not financial advice. Partner links, where they exist, never change the order. Affiliate disclosure.