Cashback
Citi Strata Card
by Citi
Citi Strata Card is a cashback card from Citi with no annual fee, 20,000 bonus points after $1,000 in 3 months, and fair to good credit.
Annual FeeNone
Reward Rate5.0%
Base Rewards1.0%
Signup Bonus20,000 bonus points after $1,000 in 3 months
Credit Score670-850
Foreign Transaction Fee3.0%
Regular APR18.49% - 28.49%
Card NetworkMastercard
Rates & Fees
Intro Purchase APR0% for 15 mo
Intro Balance Transfer APR0% for 15 mo
Balance Transfer Fee0.03%
Cash Advance APR29.99%
Cash Advance Fee$0.05
Penalty APR29.99%
Late Payment Fee$40
Overview
Citi Strata Card is a cashback card from Citi with no annual fee, 20,000 bonus points after $1,000 in 3 months, and fair to good credit.
Why we like it
Its strongest earning category is Travel-portal at 5%, backed by 1% on general spending.
Rewards and Bonus
Earn elevated rewards with 5% on Travel-portal, 3% on Gas and 3% on Groceries, plus 1% on other purchases.
- 5.0% on travel-portal
- 3.0% on groceries
- 3.0% on transit
- 3.0% on gas
- 3.0% on other
- 2.0% on dining
- 1.0% on other
Welcome offer
20,000 bonus points after $1,000 in 3 months
* Estimated dollar value based on point transfer rates and portal redemption. Actual value may vary depending on how you redeem your rewards.
Who Is This Card For?
People focused on cashback rewards who want to avoid an annual fee and who typically have fair to good credit.
Qualification snapshot
Recommended credit: Fair to good credit. Published score range: 670-850.
Pros and Tradeoffs
Pros
- 20,000 bonus points after $1,000 in 3 months
- No annual fee to offset rewards
- Earns 5% on Travel-portal
- Earns 3% on Groceries
Tradeoffs
- Foreign transaction fee of 3% can hurt value abroad
- Base rewards on non-bonus spending are relatively modest