Citi Strata
20,000 points welcome · 5x on hotels & car rentals (via portal) · $0 annual fee
The Citi Strata packs a lot of bonus earning into a no-annual-fee card: 3x on groceries, gas (including EV charging), and transit, plus 3x on one self-selected category such as streaming, fitness clubs, live entertainment, or pet supply stores that you can switch once per calendar quarter. Add 2x on dining and 5x on hotels, car rentals, and attractions booked through Citi Travel, and it covers a wide slice of a typical budget. It also offers 15 months of 0% intro APR on purchases and balance transfers, which is useful if you have a big expense coming up. The catches are a modest 20,000-point bonus after $1,000 in spend within 3 months, a 1x base rate on everything else, and foreign transaction fees that make it a poor choice abroad. It is a solid fee-free starter for Citi points, best for domestic spenders who will actually use the 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.