Citi Strata® Card: annual fee, APR and rewards

Fact sheet for the Citi Strata® Card, issued by Citi, with no annual fee, an intro APR offer and points. Every detail below comes from the issuer’s pricing and terms pages, checked on the date shown at the end of the page.

Issuer	Citi
Network	Mastercard
Annual fee	$0
Rewards	Points: 5 points per dollar spent on Hotels, Car Rentals, and Attractions booked on cititravel.com; 3 points per dollar spent at Supermarkets; 3 points per dollar spent at Gas & EV Charging Stations and on Select Transit; 3 points per dollar spent on an eligible Self-Select Category of your choice; 2 points per dollar spent at Restaurants; 1 point per dollar spent on All Other Purchases
Purchase APR	after that, the variable APR for unpaid promotional balances, new purchases, and new balance transfers is 18.74% - 28.74%, based on your creditworthiness.
Intro APR	0% Intro APR for 15 months on purchases and balance transfers from date of account opening
Balance transfer fee	Intro fee of 3% of each transfer ($5 minimum) completed within the first 4 months of account opening. After that, 5% of each transfer ($5 minimum).
Sign-up bonus	Earn 20,000 bonus points after spending $1,000 in the first 3 months
Foreign transaction fee	3% of each transaction
Credit level	Excellent, Good (tiers the issuer reports to the CFPB)

What new cardholders actually got

In the CFPB's Terms of Credit Card Plans survey for July to December 2025, new accounts on this card got a median purchase APR of 23.49%, with a range of 18.49% to 28.49%. The advertised range above is what the issuer offers today; the survey shows where approved applicants landed.

Source: Consumer Financial Protection Bureau, Terms of Credit Card Plans survey.