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Credit Card Review🆕 Best No-Fee Citi Card

Citi Strata℠ Card

Issued by Citi

5x hotels, car rentals & attractions via CitiTravel, 3x supermarkets, select transit & gas/EV charging, 3x a self-selected category, 2x restaurants, 1x elsewhere — plus 20,000 bonus ThankYou® Points after $1,000 spend in first 3 months.

At a Glance

Annual Fee

$0

Purchase APR

18.49%–28.49%

Rewards Rate

5x hotels, car rentals & attractions via CitiTravel, 3x supermarkets, select transit & gas/EV charging, 3x a self-selected category, 2x restaurants, 1x elsewhere

Min. Credit Score

690+ (est.)

Intro APR

0% on purchases & balance transfers for 15 months

Sign-Up Bonus

20,000 bonus ThankYou® Points after $1,000 spend in first 3 months

Rates & Fees

Annual Fee

$0

Purchase APR

18.49%–28.49% variable

Intro APR

0% on purchases & balance transfers for 15 months

Foreign Transaction Fee

3%

Balance Transfer Fee

3% of each transfer ($5 min) in the first 4 months, then 5% ($5 min)

Cash Advance Fee

5% or $10 minimum, whichever is greater

Late Payment Fee

Up to $41

Estimate Your Rewards

See how this card fits your monthly spending

Enter your typical monthly spend by category to see roughly what the Citi Strata℠ Card would earn you per year (this doesn't include any one-time sign-up bonus).

$/mo
$0/mo$1,500/mo
$/mo
$0/mo$1,500/mo
$/mo
$0/mo$1,500/mo
$/mo
$0/mo$1,500/mo
$/mo
$0/mo$1,500/mo
$/mo
$0/mo$3,000/mo

Note: The 5x rate applies only to bookings made through CitiTravel; other travel purchases earn the 1x base rate. Cardholders also choose one self-select 3x category (fitness, streaming, entertainment, salons, or pet stores) not modeled here.

Est. Annual Rewards

$426/yr

After $0 Annual Fee

$426/yr

Based On

$1,950/mo

Key Features

Replaced the Citi Rewards+ Card in 2026 with expanded categories and a self-select bonus category

No annual fee travel-points card

Points transfer to Citi's airline and hotel partners

Pros & Cons

Pros

  • Broad no-fee bonus categories (groceries, gas, dining) rare among rewards cards
  • Self-select category adds flexibility
  • Long 15-month 0% intro APR period

Tradeoffs

  • 3% foreign transaction fee limits value abroad
  • 5x rate requires booking through the CitiTravel portal
  • Point value is lower than Citi's premium Strata Premier/Elite cards

How to Apply

Check whether your credit profile is a reasonable fit — Citi generally looks for applicants around 690+ FICO for the Citi Strata℠ Card, alongside income and existing debt.

Gather your Social Security number, annual income, housing payment, and employer details before starting the application.

Apply directly through Citi's official site or app to make sure you're getting current, accurate offer terms.

Most issuers give an instant decision online; some applications are sent to manual review, which can take 7–10 business days.

If approved, activate the card and set up autopay before your first statement is due to avoid a late payment.

How It Compares

Current product highlighted
ProductAnnual FeePurchase APRRewards Rate
Citi Strata℠ Card$018.49%–28.49%5x hotels, car rentals & attractions via CitiTravel, 3x supermarkets, select transit & gas/EV charging, 3x a self-selected category, 2x restaurants, 1x elsewhere
Chase Sapphire Preferred®$9521.49%–28.49%5x Chase Travel, 3x dining, gas/EV charging, online grocery, streaming & vacation rentals, 2x other travel
Chase Sapphire Reserve®$79519.49%–29.99%3x travel & dining worldwide
Capital One Venture X$39519.49%–28.49%10x hotels & rental cars, 5x flights via Capital One Travel, 2x everything else

Frequently Asked Questions

What credit score do I need for the Citi Strata℠ Card?

Citi generally looks for applicants with a credit score around 690+ for the Citi Strata℠ Card, though approval also depends on your income, existing debt, and overall credit profile — not credit score alone.

What's the annual fee on the Citi Strata℠ Card?

The Citi Strata℠ Card has no annual fee, so there's no ongoing cost to keep the card open.

Does the Citi Strata℠ Card have a sign-up bonus?

Yes — new cardholders can currently earn 20,000 bonus ThankYou® Points after $1,000 spend in first 3 months. Bonus terms and required spend change over time, so confirm the current offer on Citi's site before applying.

What fees should I watch for on the Citi Strata℠ Card?

Beyond the annual fee, check the foreign transaction fee (3%), balance transfer fee (3% of each transfer ($5 min) in the first 4 months, then 5% ($5 min)), cash advance fee (5% or $10 minimum, whichever is greater), and late payment fee (Up to $41). These matter most if you carry a balance, transfer debt, or use the card internationally.

How does the Citi Strata℠ Card compare to similar cards?

The Citi Strata℠ Card is one of several travel cards worth comparing side by side — see the "How It Compares" table on this page for a few close alternatives, or browse the full list of travel cards for more options.

Other Credit Cards

Chase Sapphire Preferred®

5x Chase Travel, 3x dining, gas/EV charging, online grocery, streaming & vacation rentals, 2x other travel

Chase Sapphire Reserve®

3x travel & dining worldwide

Capital One Venture X

10x hotels & rental cars, 5x flights via Capital One Travel, 2x everything else

Rates, fees, and rewards shown are illustrative as of 2026 and subject to change — always confirm current terms directly with the issuer before applying.

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