- Sign-Up Bonus
- 4
- Spending Multipliers
- 3.5
- Credits & Features
- 0
- Fees
- 4.5
- Application
- 5
- Issuer
- NaN
Summary
- Sign-Up Bonus
- 4
- Spending Multipliers
- 3.5
- Credits & Features
- 0
- Fees
- 4.5
- Application
- 5
- Issuer
- NaN
The Citi Strata Card from Citibank is a no-annual-fee credit card built for everyday spenders who want simplicity and flexibility without extra cost. With features like the ability to choose your payment due date to better align with your budgeting needs and the ID Theft Protection program offered by Mastercard for added security, this card is ideal for consumers who value straightforward terms and financial control. While the 3% foreign transaction fee means it’s not the best fit for frequent international travel, the Citi Strata card is a strong choice for U.S.-based shoppers who prefer basic rewards and low ongoing costs over travel perks or complicated bonus structures. Overall, it benefits budget-conscious users looking for a reliable everyday card that keeps fees to a minimum and account management flexible.
Pros
Cons
Issuer
Spending Multipliers
Credits & Features
Application
- Citi has a strict 8/65 rule, meaning you can only apply for 1 Citi card every 8 days and at most 2 Citi cards every 65 days
- Welcome bonus is only available if you didn’t receive one in the last 48 months
- Number of hard pulls have a huge impact on Citi applications, consider having less than 6 hard pulls in the past 6 months
- Consider having at least a credit history for 6 months
Fees
- No Annual Fee
- 3% Foreign Transaction Fee
- Up to $41 late fee
- Up to $41 return payment fee
- 18.49% - 28.49% Variable APR
- 29.74% APR for Cash Advance
- $10 or 5% of each cash advance amount (whichever is greater)
- 18.49% - 28.49% APR for Balance Transfer
- $5 or 5% of each transfer amount (whichever is greater)