Credit card

Citi Strata℠ Card

Points

MASTERCARD

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Card review

Citi Strata℠ Card

4.5 9.0/10 DebitCue Score Verified Jun 20, 2026

Flexible points, no annual fee — pick your own bonus category.

Fee: No fee
Purchase APR: 18.49% - 28.49%
Interest-free: -
Foreign fee: 3%

Rewards

5X ThankYou Points on Citi Travel bookings; 3X on supermarkets, transit, gas/EV charging, and one quarterly self-select bonus category (fitness, streaming, entertainment, cosmetics, or pet supplies); 2X at restaurants; 1X on everything else.

Welcome offer

20,000 ThankYou Points (worth $200) after spending $1,000 in the first 3 months.

Our verdict

What stands out, and where it falls short.

What we like

5X ThankYou Points on Citi Travel bookings; 3X on…
Welcome bonus
No card fee
Pay in installments

Worth weighing

3% foreign transaction fee

Who It Is For

Whether the Citi Strata℠ Card fits how you actually spend.

Pick it if you are

Anyone who wants a low-cost everyday card
People who want rewards on their spending
People who pay big purchases off over time

Skip it if you are

Frequent international travelers

Rates and fees

As of June 20, 2026

All amounts shown in USD.

Card fee: No fee
Purchase APR: 18.49% - 28.49%
Interest-free period: -
Foreign transaction fee: 3%
Purchase APR: 18.49%–28.49% variable
Intro APR: 0% for 15 months on purchases and balance transfers
Annual Fee: $0
Foreign Transaction Fee: 3%

Rewards and features

Rewards: 5X ThankYou Points on Citi Travel bookings; 3X on supermarkets, transit, gas/EV charging, and one quarterly self-select bonus category (fitness, streaming, entertainment, cosmetics, or pet supplies); 2X at restaurants; 1X on everything else.
Welcome offer: 20,000 ThankYou Points (worth $200) after spending $1,000 in the first 3 months.
Installments: Citi Flex Pay available
Pay with: Apple Pay, Google Pay, Contactless, Virtual card
Self-Select Bonus Category: Choose 1 of 5 bonus categories (fitness, streaming, entertainment, cosmetics, or pet supplies) each quarter for 3X earning

Benefits and perks

Extras that come bundled with the card.

World Elite Mastercard Benefits

Includes Lyft credits, Priceless Experiences access, and identity theft protection via World Elite Mastercard.
Citi Entertainment Access

Presale and exclusive access to concerts, sports, and dining events.

Citi Strata℠ Card: your questions answered

Does the Citi Strata℠ Card have a card fee?

No - the Citi Strata℠ Card has no card fee.

What rewards does the Citi Strata℠ Card earn?

The Citi Strata℠ Card earns 5X ThankYou Points on Citi Travel bookings; 3X on supermarkets, transit, gas/EV charging, and one quarterly self-select bonus category (fitness, streaming, entertainment, cosmetics, or pet supplies); 2X at restaurants; 1X on everything else..

Does the Citi Strata℠ Card charge foreign transaction fees?

Yes - the Citi Strata℠ Card charges a 3% foreign transaction fee.

What is the interest rate on the Citi Strata℠ Card?

The Citi Strata℠ Card has a purchase APR of 18.49% - 28.49%.

Does the Citi Strata℠ Card have a welcome offer?

Yes - 20,000 ThankYou Points (worth $200) after spending $1,000 in the first 3 months..

Can I pay in installments with the Citi Strata℠ Card?

Yes - Citi Flex Pay available.

Is the Citi Strata℠ Card a credit, debit or prepaid card?

The Citi Strata℠ Card is a credit card issued by Citi on the Mastercard network.

Does the Citi Strata℠ Card support Apple Pay and Google Pay?

Yes - the Citi Strata℠ Card works with both Apple Pay and Google Pay.