Citi Strata℠ Card
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Credit Score
Intro Offer
$1,000
Annual Fee
$0
Foreign Fee
3%
Purchase APR
0% for 15 mo
Balance Transfer APR
0% for 15 mo
Regular APR
18.49% - 28.49% (Variable)
Editor's Take
CardCompareHub editorialEditorial Note: This analysis reflects CardCompareHub's independent review. It has not been reviewed, approved, or endorsed by Citi.
The new Citi Strata is a no-annual-fee rewards card with a customizable category: choose your top tier from a list of niche categories (Fitness Clubs, Streaming Services, Live Entertainment, Cosmetic/Skincare, or Pet Supplies), with a flat baseline on everything else. Welcome bonus, long 0% intro APR.
The Self-Select category list is unusual and narrow — none of the options match the categories most households spend the most on (groceries, gas, dining). For someone whose category aligns (a pet owner spending substantially on pet supplies, say), the top-tier rate is best-in-class for a no-fee card. For everyone else, the baseline is unremarkable and the Citi Double Cash earns more on the same spend. Pick Strata only if one of the Self-Select categories matches a real budget line in your household.
Card Details
- 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 18.49% - 28.49%, 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
Citi Strata℠ Card
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