Citi Strata℠ Card

Name: Citi Strata℠ Card
Brand: Citibank, National Association
Price: 398.64 USD
Availability: InStock

A no-annual-fee points card from Citibank, National Association.

Points

Citibank, National Association · MASTERCARD

Annual fee: $0
Purchase APR: 18.49–28.49%variable

Your NAV

Try your own numbers

Spending

Monthly spend$2,500

Enter what you spend per category each month. Anything left blank counts as $0.

GroceryDiningGasTravelEverything else

Revolving balance$0

Spending we calculated on

Monthly$2,500

Annual$30,000

What this card would give you

Cashback	$399
Subtotal	$399

You'd earn $399 in value over the year.

What it would cost you

Annual fee	$0
Subtotal	$0

You'd pay $0 to hold the card.

Year 1 value$399

Ongoing / yr$399

Year 1 matches every year after: this card has no signup bonus or first-year fee waiver.

Net Annual Value$399

Net: an estimated $399 ahead over the year at your profile.

Earn Rules

Grocery	300.00%
Gas	300.00%
Dining	200.00%
Travel	500.00%booked on cititravel.com
All Other	100.00%

Temporary earning

Limited-time promos or rotating categories. Excluded from Net Annual Value because these expire.

Rotating

300.00%rotating

Signup Bonus

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

Intro APR“0%”
Source ↗
APR range“18.49% – 28.49%”
Source ↗
Annual fee“$0”
Source ↗

Wondering if this card pays off for your situation? Is the Citi Strata℠ Card worth it? →

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