Citi Strata℠ Card

Earn Rules?How much you earn back per dollar in each spending category. Cashback cards show these as percentages (2% back on groceries). Points/miles cards show them as multipliers (3x on dining). The math applies each rule to your spending in that category to compute total rewards for the year.

Points are converted to cash at a conservative per-program rate. Most programs publish no guaranteed cash value, so those rates are estimates of typical redemption value, not guarantees. Actual value depends on how you redeem. See how we value points →

Signup Bonus?A one-time reward for opening the card and meeting a spend requirement. The full bonus counts toward the card's Year 1 value (only when your spend qualifies) and is excluded from its ongoing value.

Earn Bonus ThankYou® Points after spending $1,000 in the first 3 months

· Spend $1,000 in 3 months

This bonus is counted in full in the card's Year 1 value, and only when your spend meets the requirement. It's excluded from the ongoing value.

Who This Card Makes Sense For

• People who occasionally carry a balance. With no annual fee on top, the interest is the only cost.

Where This Came From

• Annual fee“$0”
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• APR range“18.49% – 28.49%”
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• Intro APR“0%”
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Wondering if this card pays off for your situation? Is the Citi Strata℠ Card worth it? →

Cards in the Same Fee Tier That Score Higher

A similar annual fee, ranked higher at the default profile.

• DoorDash Rewards Mastercard®$726 (+$327)
• Fifth Third 1.67% Cash/Back Card$701 (+$302)
• Citizens Summit® World Mastercard®$683 (+$284)