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Credit-Land.com is an independent, advertising-supported web site. Credit-Land.com receives compensation from most issuers whose offers appear on our site. Compensation from our advertising partners may impact how and where their products appear on our site, including, for example, the order in which they may appear within review lists. Credit-Land.com has not reviewed all available credit card offers in the marketplace.
Citi Strata℠ Card
Credit Recommended:
Excellent, Good
Credit 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
your rewards
EARN
REDEEM
BONUS OFFER
30,000
ThankYou® Points
Earn 30,000 bonus Points after spending $1,000 in the first 3 months of account opening.
REWARDS RATE
5X
Earn 5 ThankYou® Points for each $1 spent on Hotels, Car Rentals and Attractions booked on Citi Travel® via cititravel.com.
3X
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.
3X
Earn 3 ThankYou® Points for each $1 spent at Supermarkets, on Select Transit purchases, and at Gas & EV Charging Stations.
2X
Earn 2 ThankYou® Points for each $1 spent at Restaurants.
1X
Earn 1 ThankYou® Point for each $1 spent on All Other Purchases.
Redeem ThankYou® Points for gift cards, travel rewards, shop with points and moreµ
Your Points won't expire.µ
Interest Rates & Fees
Intro APR:
0% (15 months on Purchases)
Regular APR:
19.24% - 29.24% (Variable)
Penalty APR:
Up to 29.99% (Variable)
Intro APR:
0% (15 months on Balance Transfers)
Regular APR:
19.24% - 29.24% (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.
Regular APR:
29.49% (Variable)
Cash Advance Fee:
5% of each cash advance; $10 minimum
Penalty APR:
Up to 29.99% (Variable)