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Citi credit card

Citi Strata℠ Card

No annual fee. 20,000 ThankYou Points after you spend $1,000 in 3 months. Purchase APR 18.74–28.74%, variable.

Checked Nov 1, 2026Updated

Welcome offer
Annual fee
Purchase APR · variable
Foreign transactions

Select an underlined figure to see where it comes from.

Citi’s terms

Welcome offer

20,000 Points

After you spend $1,000 on purchases in your first 3 months.

Spending it takes
$333 a month
for 3 months
Tracking since
Sep 29, 2026
history will chart every change

New cardmembers only. Subject to credit approval. Additional limitations, terms and conditions apply.

Who can get it: If you’ve ever had a bonus on this card or one of its family, you can’t get it.

“New account bonus offer is not available if you currently have or previously had a Citi Strata ® or a Citi Strata Student account.”

The issuer’s terms, from its page, as of Oct 8, 2026. Check which bonuses you can get

In dollars

What it’s worth

Yearly value in dollars: rewards and credits minus the annual fee, for three ways of spending. First year includes any welcome bonus.

SpendingValue against the feeFirst yearAfter
Light spender$430$230
Typical spender$730$530
Heavy spender$1,220$1,020
The spending each assumes, and what isn’t counted
  • Light spender: groceries $300, dining $100, gas $100, everything else $500 a month
  • Typical spender: groceries $600, dining $300, gas $200, travel $150, everything else $1,250 a month
  • Heavy spender: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500 a month

Assumed: not counted: 5x Attractions booked through cititravel.com; points valued at an assumed 1¢; not counted: 5x Hotels booked through cititravel.com.

$230a year

$430 the first year, with the welcome bonus.

The spending this assumes

A month: groceries $300, dining $100, gas $100, everything else $500. Assumed: not counted: 5x Attractions booked through cititravel.com; points valued at an assumed 1¢.

$530a year

$730 the first year, with the welcome bonus.

The spending this assumes

A month: groceries $600, dining $300, gas $200, travel $150, everything else $1,250. Assumed: not counted: 5x Attractions booked through cititravel.com; points valued at an assumed 1¢.

$1,020a year

$1,220 the first year, with the welcome bonus.

The spending this assumes

A month: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500. Assumed: not counted: 5x Attractions booked through cititravel.com; not counted: 5x Hotels booked through cititravel.com; points valued at an assumed 1¢.

Use your own spending

Estimates from the published terms above, as checked Nov 1, 2026; not advice. How we value cards

Against the market

How it compares

Worth more to a typical spender than about 95% of the 732 cards we track.

  • No annual fee, like about 100% of the 50 cards on our 0% intro APR list (see the list).
  • Worth more to a typical spender than about 100% of the 50 cards on our 0% intro APR list (see the list).

Other points cards with no annual fee

Against this card, for our typical spender’s value (rewards and credits minus fees, after the first year).

Shares rounded to 5 points. Fees and APRs as stated; value for our typical spender. Method

ThankYou Rewards

How you earn

5×
Hotels booked through cititravel.comCar rentals booked through cititravel.comAttractions booked through cititravel.com
3×
SupermarketsSelect TransitGas StationsEV Charging StationsAn eligible Self-Select Category of your choice: Fitness Clubs, Select Streaming Services, Live Entertainment, Cosmetic Stores/Barber Shops/Hair Salons, or Pet Supply Stores
2×
Restaurants
1×
Everything else

Points per dollar. “What it’s worth” values a point at an assumed 1¢.

Benefits

  • Citi Travel: book flights, hotels, car rentals and attractions using the card, points, or a combination of both; access to over 1.4 million hotels and resorts worldwide
  • Points transfer to American Airlines, JetBlue, Virgin Atlantic, Cathay, Eva Air, Choice Hotels, The Leading Hotels of the World and others; minimum transfer 1,000 points
  • Citi Entertainment: presale tickets and special access to purchase tickets to events for eligible cardmembers
  • Citi Flex Pay: buy now, pay later in fixed monthly payments on eligible purchases of $75 or more; continue to earn points on purchases
  • Add an Authorized User at no additional cost and earn points faster
All 7 benefits
  • Other
  • Other

Every figure with its receipt

Rates and fees

Annual fee
Purchase APRvariable
Intro APR15 months from date of account opening
Balance transfer fee
Cash advance APR
Cash advance fee
Penalty APR
Late payment
Returned payment
Foreign transactions
Grace period
Minimum interest charge

Before you apply

  1. What the application asks: your name, address, date of birth, Social Security number (or ITIN), income and housing payment. By law the issuer must consider your ability to pay (Regulation Z, 1026.51).
  2. Your credit report: applying usually means a hard inquiry, which can lower your score slightly for a while. Some issuers let you check whether you’re pre-approved first without one. How credit reports work (CFPB)
  3. The bonus: If you’ve ever had a bonus on this card or one of its family, you can’t get it.

Questions

What is the annual fee?
None · online.citi.com, since Oct 8, 2026
Does it charge a foreign transaction fee?
Yes: 3% of each purchase transaction in U.S. dollars.. · citi.com, since Oct 8, 2026
What is the purchase APR?
18.74–28.74% APR · citi.com, since Oct 8, 2026
Is there an intro APR?
0% for 15 months from date of account opening. · online.citi.com, since Oct 8, 2026
Is there a welcome bonus?
20,000 ThankYou Points after $1,000 in purchases in 3 months. · citi.com, since Oct 11, 2026
See it on citi.com

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