Citi Strata
20,000 points welcome · 5x on hotels & car rentals (via portal) · $0 annual fee
The Strata earns 3 points per dollar on groceries, gas and EV charging, and transit, plus 3x on one self-selected category such as streaming, fitness clubs, or live entertainment that you can change once per quarter, all with no annual fee. Dining earns 2x, and hotels, car rentals, and attractions booked through Citi Travel earn 5x. A 0% intro APR for 15 months on purchases and balance transfers adds flexibility, though the 20,000-point bonus after $1,000 in spend is modest. The tradeoffs are a 1x base rate on everything else and a foreign transaction fee, which makes it a poor choice for spending abroad despite its travel framing. It fits best as a no-fee everyday card for domestic grocery, gas, and commuting spend.
Earn rates & credits
| Category | Rate |
|---|---|
Hotels & Car Rentals (via Portal) On hotels, car rentals, and attractions booked through Citi Travel | 5x |
Groceries | 3x |
Transit | 3x |
Gas Includes EV charging stations | 3x |
Choose 1 category 3x on one eligible self-select category of your choice: Select Streaming Services (the default), Fitness Clubs, Live Entertainment, Cosmetic Stores/Barber Shops/Hair Salons, or Pet Supply Stores. Changeable once per calendar quarter. | 3x |
Dining | 2x |
Everything Else | 1x |
Card details
Regular APR | 18.49%–28.49% variable |
Intro APR on purchases | 0% for 15 months |
Intro APR on balance transfers | 0% for 15 months |
Foreign transaction fee | Yes |
Approval odds
Product changes
Where cardholders came from before landing on this card, and what they moved it to afterwards. Thicker flows carry a larger share of the changes in that direction.
Based on 4 reported product changes. Percentages are shares of each direction, not of all cardholders, and a small sample can swing a long way.