How Does the Citi Strata℠ Card Work?
The Citi Strata℠ Card offers flexible rewards and no annual fee, making it a solid choice for everyday spending. This guide will explain how the card works, including earning points, redeeming rewards, and making the most of its features.
Earning Rewards with the Citi Strata℠ Card
- 3X Points in Your Selected Category: Earn 3 ThankYou® Points per $1 spent in an eligible Self-Select Category of your choice, including Fitness Clubs, Select Streaming Services, Live Entertainment, Cosmetic Stores/Barber Shops/Hair Salons, or Pet Supply Stores. You can choose your category through Citi Online or by calling customer service. The default category is Select Streaming Services.
- 5X Travel Rewards: Earn 5 ThankYou® Points per $1 spent on hotels, car rentals, and attractions booked through Citi Travel®.
- 3X Everyday Essentials: Earn 3 ThankYou® Points per $1 spent at supermarkets, on select transit purchases, and at gas stations and EV charging stations.
- 2X Dining: Earn 2 ThankYou® Points per $1 spent at restaurants.
- 1X All Other Purchases: Earn 1 ThankYou® Point per $1 spent on all other purchases.
For an overview of how to earn these points, check out our main review: The Citi Strata℠Card: Review, Rewards, and How to Maximize Your ThankYou® Points.
Introductory Offers & APR
APR: 18.49% - 28.49% Variable APR
Many applicants also benefit from a signup bonus when spending a certain amount within the first few months. Check the current offer before applying to maximize rewards.
Using the Card Effectively
- Select the Self-Select Category based on your highest monthly spending for maximum points.
- Book travel through Citi Travel® to get bonus points on hotels, car rentals, and attractions.
- Pay off balances in full each month to avoid interest and maximize the benefit of rewards.
Who This Card Works Best For
- Individuals looking for a no-annual-fee card with flexible rewards.
- Those who spend across multiple categories and want to choose a monthly bonus category.
- Anyone who wants to redeem points for travel, gift cards, or statement credits.
Not sure if this card is right for you? Read our full review on whether the Citi Strata℠ Card is a good no annual fee option .
Apply Securely Online
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
Found this guide helpful? Bookmark it for future reference as you continue your financial journey!
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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