Strata℠: Flexible Everyday Rewards with No Annual Fee
Earn rewards across key spending categories and redeem points for cashback, travel, or gift cards – all with no annual fee.
The Bottom Line
3.7
BIG4CREDIT RANKING
Our 5-star rating is based on Big4credit’s independent, data-driven scoring system.
Each card is evaluated across multiple weighted categories – including rewards,
fees, welcome offers, 0% intro APR, ongoing APR, perks, benefits, and protections.
Ratings are determined solely by our research and analysis and are never influenced
by card issuers or advertisers. Read about our ranking system in the
Credit Card Ranking & Methodology section.
Strata℠ is a solid no-annual-fee card if you want straightforward rewards on everyday spending. It earns consistent cashback across common categories without requiring you to track rotating bonuses or manage complex rules. The card works well as a simple, low-maintenance option for daily purchases. However, it’s less rewarding if you’re looking for high bonus categories or premium travel perks. If you want easy, no-commitment rewards with minimal effort, this card is a practical choice.
Strata℠
Apply now
On Citi's Secure Website
Annual fee:
$0
Intro APR
Purchases: 0%, 15 months
Balance Transfers: 0%, 15 months
Regular APR
18.49% - 28.49% Variable APR
Buy Now, Pay Later Make equal monthly payments on purchases of $75 or more. No interest, just a fixed monthly fee. The plan availability is up to the bank's discretion.
Citi Flex Plan
Credit Score
670-850 (Good/Excellent)
Rewards Earn 5x points on hotels, car rentals, and attractions booked through Citi Travel®. Additionally, earn 3x points at supermarkets, gas/EV charging stations, and on local transit. Plus, earn 3x points on the category of your choice, 2x points at restaurants, and 1x point on all other purchases.
1x - 5x Points
Welcome Offer Earn 20,000 bonus points after spending $1,000 in the first three months.
20,000 Points
Welcome Offer
- Earn 20,000 bonus points after spending $1,000 in the first three months.
Rewards
- 5x Points on Select Citi Travel®: Earn 5x points on hotels, car rentals, and attractions booked through Citi Travel®.
- 3x Points Categories:
- Supermarkets
- Select Transit
- Gas & EV Charging Stations
- Self-Select Category of Your Choice: Fitness Clubs, Select Streaming Services, Live Entertainment, Cosmetic Stores/Barber Shops/Hair Salons, or Pet Supply Stores.
- 2x Points at Restaurants.
- 1x Points on all other purchases.
Redemption Options
- Flexible Redemption: Redeem points for cashback, gift cards, travel, purchases at Amazon.com, PayPal checkout, and more.
- Travel Partner Transfers: Points can be transferred to select airline and hotel partners, though transfer ratios may vary.
Fees and APR
- Annual Fee: $0.
- 0% Intro APR on Purchases and Balance Transfers: Enjoy 0% intro APR for 15 months from account opening. To qualify for the balance transfer offer, transfers must be completed within the first 4 months.
- Regular APR: After the introductory period, a variable APR of 18.49% - 28.49% applies to purchases and balance transfers.
- Intro Balance Transfer Fees: $5 or 3% of the transfer amount, whichever is greater, for balance transfers made within the first 4 months.
- Regular Balance Transfer Fees: $5 or 5% of each transfer amount, whichever is greater, for balance transfers made after the introductory period ends.
- Foreign Transaction Fee: 3% of each purchase transaction in U.S. dollars.
Convenience Features
- Authorized Users: Add authorized users at no cost and earn rewards on their purchases.
- Digital wallet compatible: Apple Pay®, Google Pay™, Samsung Pay.
Nice Extras
- Entertainment Access: Citi Entertainment® (presale ticket access and occasional exclusive events).
- Citi Travel®: :** Integrated travel booking portal (book flights, hotels, car rentals, and attractions using your eligible Citi card, points, or a combination of both).
Buy Now, Pay Later Options
- Citi® Flex Pay: Buy now and pay over time with fixed monthly payments on eligible purchases of $75 or more, while still earning points on your purchases.
Additional Features
- Identity Theft Assistance: Mastercard ID Theft Protection (identity monitoring alerts and guided recovery support).
- Card Lock: Citi Quick Lock (temporarily blocks new purchases while allowing recurring transactions).
- Free credit score access.
Terms and Conditions
- Click Apply Now to see the terms and conditions.
EarnSmart Rewards Strategy
- Citi Double Cash®: Unlimited 2% cashback on all purchases, with rewards that can be combined with Citi Strata℠ points. 👉 Learn more about Citi Double Cash®.
- Citi Custom Cash®: Earn up to 5% cashback on your top eligible spending category each billing cycle, complementing Citi Strata℠’s broader rewards structure. 👉 Learn more about Citi Custom Cash®.
Upgrade Within Citi
- Citi Strata Premier®: A step up from Citi Strata℠ with higher earning rates on travel and everyday categories, plus expanded redemption flexibility. Ideal for cardholders ready to move beyond a no annual-fee setup. 👉 Learn more about Citi Strata Premier®.
- Citi Strata Elite℠: A premium-tier option with elevated rewards, travel perks, and luxury benefits for cardholders seeking a more comprehensive travel experience beyond Citi Strata℠. 👉 Learn more about Citi Strata Elite℠.