Citi Strata

The no annual fee Strata works as an everyday card if your spending clusters in its 3x categories: groceries, transit, and gas including EV charging, plus one self-select category you can change each quarter from streaming, fitness clubs, live entertainment, salons, or pet supply stores. It also pays 5x on hotels, car rentals, and attractions booked through Citi Travel and 2x on dining, but everything outside those buckets falls to a plain 1x. The 15 month 0% intro APR on both purchases and balance transfers is a real extra at this price point, though the rate afterward lands between 18.49% and 28.49%. The 20,000 point welcome bonus after only $1,000 in three months is modest but genuinely easy to hit. The mismatch to flag: a card shelved under travel still charges foreign transaction fees, so pair it with something else before you go abroad.