Cashback

Citi Strata Card

by Citi

Citi Strata Card is a cashback card from Citi with no annual fee, $200 cash back after $1,500 in 6 months, and fair to good credit.

Recommended credit: Fair to good creditUpdated: May 31, 2026
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Annual FeeNone
Reward Rate3.0%
Base Rewards1.0%
Signup Bonus$200 cash back after $1,500 in 6 months
Credit Score670-850
Foreign Transaction Fee3.0%
Regular APR17.49% - 27.49%
Card NetworkMastercard

Rates & Fees

Intro Purchase APR0% for 12 mo
Intro Balance Transfer APR0% for 12 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, $200 cash back after $1,500 in 6 months, and fair to good credit.

Why we like it

Its strongest earning category is Dining at 3%, backed by 1% on general spending.

Rewards and Bonus

Earn elevated rewards with 3% on Dining, 3% on Ev-charging and 3% on Gas, plus 1% on other purchases.

  • 3.0% on dining
  • 3.0% on groceries
  • 3.0% on gas
  • 3.0% on ev-charging

Welcome offer

$200 cash back after $1,500 in 6 months

Bonus value estimate: $200 · Spend requirement: $1500 in 6 months

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.

Historical approval estimate in the current dataset: 75%

Pros and Tradeoffs

Pros

  • $200 cash back after $1,500 in 6 months
  • No annual fee to offset rewards
  • Earns 3% on Dining
  • Earns 3% on Groceries

Tradeoffs

  • Foreign transaction fee of 3% can hurt value abroad
  • Base rewards on non-bonus spending are relatively modest

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