What you get
Rewards and benefits
How it earns
Earn 3x points on 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.
- Low intro APR Earn on supermarkets, gas stations, restaurants and more $0 Annual Fee
Shown as the issuer describes it. Caps, exclusions and enrollment rules can apply.
What it costs
Fees, rates and terms
Annual fee$0
Advertised credit profileIssuer determines eligibility; no minimum score published in the reviewed source.
The advertised credit profile is general guidance, not a score cutoff or an approval prediction. Citi makes every lending decision.
- Annual fee and first-year pricing
- No Annual Fee
- Balance transfers and fees
- Intro balance transfer fee Balance transfer fee after intro rate expires
- Redemption options and restrictions
- Redeem your ThankYou Points for gift cards to your favorite retailers and more at thankyou.com Redeem your points
- Bonus eligibility and restrictions
- This offer may not be available if you leave this page.Offers may vary and this offer may not be available in other places where the card is offered.New account bonus offer is not available if you currently have or previously had a Citi Strata or a Citi Strata Student account.You also may not be eligible for the new account bonus offer based on a number of factors,such as your history of opening,closing and using credit cards.
- Authorized users and fees
- No Authorized User Fee
Recorded from Citi’s public information. Rates and fees change, so the issuer’s current disclosures are authoritative.
Your call
Before you apply for the Citi Strata Card
- Check merchant-category definitions, spending caps and enrollment rules before assuming the advertised bonus rate applies to every purchase.
- Treat an eligible welcome offer as first-year value only, separately from ongoing rewards. Review spend requirements and account eligibility.
- Compare the current purchase APR and consider how reliably you can pay the statement balance in full. Interest can outweigh rewards.
Read the full application checklist →See how it fits your spending in Find My Card →
