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Citi Strata℠ Card

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  • 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.

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Citi Strata℠ Card

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Citi has launched a new credit card: the Citi Strata℠ Card. This card is a cheaper version of the existing Citi Strata Premier® Card but still offers great rewards and benefits. The card offers elevated rewards on purchases at cititravel.com, allows you to choose one category where cardholders will earn increased rewards, and offers a low introductory annual percentage rate on purchases and balance transfers. Here are our five reasons for having this card.

FIRST REASON: SIGN-UP BONUS

The Citi Strata Card comes with a sign-up bonus of 30,000 bonus points. New card members will qualify for the offer after they spend $1,000 on purchases in the first 3 months of account opening. This bonus is redeemable for $300 in gift cards or travel rewards at thankyou.com.

The sign-up bonus is quite big for a credit card with no annual fee. However, it should be noted that the bonus is not available to those who received a new account bonus for Citi Strata℠, Citi Strata Student*, Citi Rewards+® (expired offer) or Citi Rewards+ Student (expired offer) account in the past 48 months or if you converted another Citi credit card account on which you earned a new account bonus in the last 48 months into a Citi Strata℠, Citi Strata Student, Citi Rewards+® or Citi Rewards+ Student account.

SECOND REASON: REWARDS ON EVERYDAY PURCHASES

With the Citi Strata Card, you can earn 2X ThankYou® Points on your purchases at restaurants and 3X ThankYou® Points on purchases at supermarkets, on select transit purchases, and at gas and EV charging stations. All other purchases earn 1 ThankYou® Point per dollar.

Additionally, you can choose one Self-Select Category to earn 3X ThankYou® Points in this category. Eligible Self-Select Categories are fitness clubs, select streaming services, live entertainment, cosmetic stores/barber shops/hair salons, and pet supply stores. If you do not choose any category, the default category will be select streaming services.

THIRD REASON: HIGHER REWARDS AT CITI TRAVEL

In addition to the rewards on everyday purchases, you will earn 5 ThankYou Points for each $1 spent on hotels, car rentals, and attractions booked through Citi Travel® via cititravel.com or 1-833-737-1288. Citi Travel offers access to over 1.4 million hotels and resorts available worldwide.

If you pay for your bookings with a combination of points and your Citi Strata Card, only the portion paid with your card will earn points. If, for some reason, you decide to cancel your booking, you won't earn points for that booking.

FOURTH REASON: 0% INTRO APR

Like many other rewards credit cards with bonus offers, the Citi Strata Card offers 0% intro APR on purchases and balance transfers for 15 months. When the 0% intro APR is over, your interest rate will be 19.24% - 29.24% (Variable), based on your creditworthiness. The introductory period is long enough to finance a large purchase or to pay off some debt without paying the interest.

Note that if you decide to transfer some balance to the card, you will have to pay a balance transfer fee - an intro fee of 3% of each transfer ($5 minimum) completed within the first 4 months of account opening. After that, the balance transfer fee will be 5% of each transfer ($5 minimum).

When you use the balance transfer benefit, the key is to pay off the card balance in full by the end of the introductory 0% APR period to avoid interest charges.

FIFTH REASON: THANKYOU® REWARDS PROGRAM

The Citi Strata Card is a part of the Citi ThankYou® Rewards program and allows you to earn ThankYou® Points that can be easily redeemed at the thankyou.com portal. The most attractive feature of the program is points transfer. You can transfer points to participating partners like JetBlue, Choice Hotels, Wyndham Rewards, and more. However, transfer ratios are not the best with all partners. If you are planning to use the point transfer benefit a lot, consider getting the Citi Strata Premier® Card. With the Strata Premier card, many transfers are at a 1:1 ratio.

The ThankYou portal also allows you to redeem ThankYou Points for gift cards at your favorite retailers, cash back, shop with points, or pool ThankYou Points under one account or share with other ThankYou members.

Plus, cardholders can use cititravel.com to use points to book flights, hotels, car rentals, and experiences.

Considerations

The Citi Strata℠ Card is the cheapest of the three Citi Strata℠ credit cards - it has no annual fee. This card is designed for those who do not spend much throughout the year and look for a card that offers decent rewards and flexible redemption options. The Citi Strata℠ Card does not have any additional benefits, but cardmembers do qualify for World Elite Mastercard benefits, including Lyft, Mastercard ID theft protection, and more.

The Citi Strata℠ Card can become a good go-to card. However, if your spending habits do not fit the categories with higher rewards and you don't like the idea of using the Citi Travel portal to get the maximum value, you may need to explore a different credit card.

*The information for the following product(s) has been collected independently by Credit-Land.com: Citi Strata Student. The card details on this page have not been reviewed or provided by the card issuer.

Citi Strata℠ Card

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    Intro APR on Purch.

  • 0% (15 months on Purchases)

    • Regular APR on Purch.

  • 19.24% - 29.24% (Variable)

    • Annual Fee

  • $0

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Disclaimer: This editorial content is not provided or commissioned by the banks or credit card issuer(s). Opinions expressed here are the author's alone, not those of the banks or credit card issuer(s), and have not been reviewed, approved or otherwise endorsed by the banks or credit card issuer(s). Reasonable efforts are made to present accurate info, however all info is presented without warranty. Consult with the issuing bank of the card or account for terms & conditions.
All rates and fees, and other terms and conditions of the products mentioned in this article/post are accurate as of the last update date but are subject to change. See the current products' Terms & Conditions on the issuing banks' websites.

Mastercard® is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated. World Elite is a trademark of Mastercard International Incorporated.