THE CARDTUNED DATABASE
Citi Strata Card
Issuer: Citi · Network: Mastercard
5X Citi Travel hotels, car rentals and attractions; 3X supermarkets; 3X select transit and gas/EV charging; 3X one eligible Self-Select Category; 2X restaurants; 1X all other purchases
- Annual fee
- $0
- Foreign transaction fee
- 3%
- Intro APR
- 0% on purchases and balance transfers for 15 months; then 18.74%–28.74% variable. Transfer fee 3% (minimum $5) within 4 months, then 5% (minimum $5).
- Regular APR
- 18.74%–28.74% variable after intro period
Full card review date:
This date covers the full card review. Individual terms may have been checked separately afterward; see dates noted in the terms and offer below.
Current offer
20,000 ThankYou points after $1,000 in purchases within 3 months of account opening
- Spending requirement
- $1,000
- Time window
- 3 months from account opening
Offer last checked: 2026-09-26
Earning rates
Scroll the table horizontally on smaller screens.
| Category | Rate | Eligible purchases and conditions |
|---|---|---|
| Hotels & Car rentals & Attractions | 5X | Citi Travel hotels, car rentals and attractions |
| Groceries | 3X | supermarkets |
| Gas & EV charging & Transit | 3X | select transit and gas/EV charging |
| Eligible purchases | 3X | one eligible Self-Select Category |
| Dining | 2X | restaurants |
| Other purchases | 1X | all other purchases |
Restrictions to know
Self-Select Category defaults to select streaming and may be changed once per calendar quarter; eligible categories are limited to Citi's published list. Merchant coding and Citi reward terms apply.
Who can apply
U.S. applicant of legal age; subject to Citi credit approval, identity and income verification, and current product/application rules.
Credit profile: Not Public / issuer underwriting applies