Citi Strata℠ Card 2026 Review

Mika L.
Written by Mika L.
Financial Content Writer
Mat C.
Edited by Mat C.
Managing Editor & Senior Developer

Citi Strata℠ Card4.0/5

Citi

Annual fee
$0
Rewards rate
5%-3%
Welcome Bonus
20,000
Apply Now →on Citi's website
Regular APR:18.49%-28.49% Variable APR

  • 5%Points on hotels, car rentals, and attractions booked through CitiTravel
  • 3%Points at supermarkets

Welcome Bonus:

Earn 20,000 bonus points after you spend $1,000 on purchases in the first three months of account opening.

Reward Rate:

Earn 5X points on hotels, car rentals, and attractions booked through CitiTravel, and 3X points at supermarkets.

APR:

18.49%-28.49% Variable APR

The Citi Strata℠ Card is an excellent entry-level option for those looking to earn rewards without the burden of an annual fee. Its solid earning potential on everyday purchases makes it a practical choice.

Pros:

  • No annual fee
  • Good rewards on everyday spending

Cons:

  • Limited travel benefits
  • Lower earning potential compared to premium cards
Apply now →

The Citi Strata℠ Card is well-suited for individuals seeking an entry-level credit card that offers a competitive rewards structure without an annual fee. Its straightforward earning potential on everyday purchases makes it a practical option for consumers looking to maximize rewards on their spending.

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