on Citibank's secure site
- Earn 20,000 bonus Points after spending $1,000 in the first 3 months of account opening.
- Intro APR of 0% for 15 months on Purchases and Balance Transfers, 18.49% - 28.49% (Variable) thereafter.
- $0 annual fee.
Bottom Line:
- Earn 20,000 bonus Points after spending $1,000 in the first 3 months of account opening.
- Intro APR of 0% for 15 months on Purchases and Balance Transfers. 18.49% - 28.49% (Variable) thereafter.
- Earn 3x Points on Select Transit purchases and Gas & EV Charging Stations, 3x Points at Supermarkets, 3x Points in an eligible Self-Select Category of your choice, 2x Points at Restaurants, and 1x Point on all other purchases.
- $0 Annual Fee.
The Citi Strata℠ Card, from our partner Citibank, turns everyday spending into points, with elevated rewards on popular categories like supermarkets, gas, and restaurants—plus a 3X Self‑Select category to match your lifestyle. You also earn 20,000 bonus Points after spending $1,000 in the first 3 months of account opening—that bonus is worth $200, one of the highest we’ve seen for a card with no annual fee! Finally, take advantage of a low introductory APR on purchases and balance transfers until 2027, making it a smart pick if you want breathing room on interest while racking up points.
Why This Card is a Top Pick
Unlike cards that only shine in narrow bonus categories, the Citi Strata℠ Card delivers a broad, practical mix of rewards where most people spend—groceries, getting around, dining out, and more. 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.
With an intro APR of 0% for 15 months on Purchases and Balance Transfers, this card offers a flexible way to manage expenses. After the intro period, the ongoing APR will be 18.49% - 28.49% (Variable). 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. Plus, you’ll pay no annual fee and can earn 20,000 bonus Points after spending $1,000 in the first 3 months of account opening. A reliable everyday earner that savvy shoppers love.
The Citi Strata℠ Card is especially appealing if you:
- Want an easy welcome bonus worth $200: Earn 20,000 bonus Points after spending $1,000 in the first 3 months of account opening.
- Want simple yet high‑value rewards across common daily categories.
- Value a 0% intro APR period on purchases and balance transfers to help manage costs until 2027.
- Prefer a card with no annual fee that still offers meaningful perks.
Up to 5x Points & a Bonus Worth $200
With the Citi Strata℠ Card, you’ll be earning ThankYou® Points on the purchases you make most:
- 5x Points on Hotels, Car Rentals and Attractions booked on Citi Travel® via cititravel.com.
- 3x Points at Supermarkets.
- 3x Points on Select Transit purchases and Gas & EV Charging Stations.
- 3x Points in an eligible Self-Select Category of your choice (eligible categories listed in Why This Card is a Top Pick).
- 2x Points at Restaurants.
- 1x Point on all other purchases.
This card excels as a dependable, high-value option for everyday purchases, making it an excellent addition to the wallet of any savvy spender.
Beyond accelerated point earning, the Citi Strata℠ Card offers a standout welcome bonus with a whopping $200 value – that's one of the highest bonus offers we’ve seen for a credit card with no annual fee!
Value and Simplicity
Whether you’re looking to manage existing debt, need time to pay down a purchase, or simply want a dependable card for points on everyday spending, this offer truly delivers. The Citi Strata℠ Card balances points in useful categories, a $0 annual fee, and a low intro APR period for 15 months—without overcomplicating your wallet.
Recommended Credit Score
While approval is never guaranteed, applicants with good to excellent credit are well positioned for success.
An Excellent Pick For:
- Everyday earners who want strong rewards on groceries, getting around, dining, and a custom 3x Points in an eligible Self-Select Category of your choice.
- Budget‑savvy cardholders seeking a $0 annual fee card with a low intro APR period.
- Anyone looking to earn 20,000 bonus Points after spending $1,000 in the first 3 months of account opening.
