Citi Strata
20,000 points welcome · 5x on hotels & car rentals (via portal) · $0 annual fee
The Citi Strata gives a no-annual-fee card an unusually flexible earning structure: 3x points on groceries, gas and EV charging, and transit, plus 3x in one self-selected category such as streaming, fitness clubs, or live entertainment that you can change once per calendar quarter. Dining earns 2x, and hotels, car rentals, and attractions booked through Citi Travel earn 5x. It also offers 15 months of 0% intro APR on purchases and balance transfers, which adds real value if you are carrying a balance or planning a large purchase. The catch is the 1x base rate on everything else and a foreign transaction fee that makes it a poor choice abroad. The 20,000 point bonus after $1,000 in spend is modest, but the bar is low, and this card works well as an everyday earner for households whose spending lines up with its 3x categories.
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.