Citi Strata℠ Card Invitation Code: How to Use Your Offer
If you received an offer for the Citi Strata℠ Card and it includes an invitation code, you can use that code to access the offer Citi sent you and begin the application process.
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Where to Find Your Citi Strata℠ Invitation Code
Your invitation code should be printed on the mail offer or included with the email you received from Citi. Look for the section identifying your invitation or offer code.
Be careful not to confuse the invitation code with other numbers that may appear on the mailing. You will need the specific invitation code associated with your offer.
How to Use the Citi Strata℠ Card Invitation Code
Go to the website address shown in the Citi Strata℠ Card invitation you received. This is the address Citi provides with the offer for submitting your invitation code.
Enter the Invitation Code shown on your offer, along with your Last Name. Make sure your last name is entered exactly as it appears on the invitation. Once you submit this information, Citi can retrieve the offer associated with your invitation and you can continue with the application.
Citi's invitation page states that you can get a decision in 60 seconds or less.
Does the Invitation Code Mean You're Approved?
No. An invitation code gives you access to the offer, but it does not guarantee approval. Citi still reviews your application and makes the final credit decision after you apply.
Don't Have an Invitation Code?
If you didn't receive a Citi Strata℠ invitation, can't find your invitation code, or simply prefer to apply directly, you can use the link below to check the available offer.
➤ Check the Citi Strata℠ Card Offer
This gives you another way to see whether you may qualify without having an invitation code in hand.
What If Your Invitation Code Doesn't Work?
If you've entered your invitation code and last name correctly but the code isn't working, don't worry. We have a separate guide that explains what you can do when a Citi Strata℠ invitation code isn't accepted.
➤ Citi Strata℠ Invitation Code Not Working? Find Out What to Do
If you have an invitation code, use it with your last name on Citi's invitation page to access your offer. If you don't have one, you can use the direct application option above as an alternative.
Citi Strata℠ Card
- Earn 20,000 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 18.49% - 28.49%, 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
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FICO® Credit Scores
A FICO® Score is a proprietary credit score created by the Fair Isaac Corporation (FICO). About 90% of top U.S. lenders use it to make lending decisions.
FICO® Score Ranges:
- Exceptional: 800–850
- Very Good: 740–799
- Good: 670–739
- Fair: 580–669
- Poor: 300–579
FICO categorizes scores as Poor, Fair, Good, Very Good, and Exceptional.
What is a Credit Score?
A credit score is a three-digit number (300–850) predicting your creditworthiness. Lenders use it to evaluate risk and determine rates and terms for credit.
Why it matters: A higher score can help you qualify for loans and lower interest rates. A lower score can lead to higher borrowing costs or application denials.
FICO® Credit Score Facts
- Three-Digit Number: Summarizes your credit risk.
- Range: 300–850; higher scores = lower risk.
- Data Source: Uses your credit reports from Experian, Equifax, and TransUnion.
- Industry Standard: Lenders rely on FICO for mortgages, auto loans, and credit cards.
Note: Credit scores reflect your creditworthiness but do not guarantee approval for any credit product.
Security Notice: All participating issuers use secure application systems protected by Transport Layer Security (TLS) encryption to help protect your information.
*See the online credit card applications for details about terms and conditions of credit card offers. Reasonable efforts are made to maintain accurate information. However all credit card information is presented without warranty. When you click on the " Apply Now " button you can review the credit card terms and conditions on the credit card issuer's web site.
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