Skip to content
Mastercard2/4 on file
✓ Annual fee checked
Citibank / Citigroup · Mastercard

Citi Strata℠ Card

DiningEV ChargingGas & FuelGroceriesNo Annual FeeRewardsTravel

The Citi Strata℠ Card is a Mastercard from Citibank / Citigroup with an annual fee of $0. Here is what we hold on it, and what we do not.

Annual fee$0per yearChecked citi.com
Welcome offerNot confirmedNot published by the issuer where we checked ()
Apply on Citibank / CitigroupCompare this card
Opens Citibank / Citigroup’s site

Bank with branches in: California (271), New York (211), Illinois (57), Florida (56), District of Columbia (15), Connecticut (12), Maryland (11), New Jersey (8) and 3 more. Where it has branches is not a rule on who may apply.

Source: FDIC BankFind (api.fdic.gov) · read Oct 7, 2026

Ledger entry

The receipt

Every cost line we hold for the Citi Strata℠ Card, exactly as recorded.

Annual fee
$0Checked citi.com
Supplementary card
Not confirmed
Foreign transaction
3%Checked files.consumerfinance.gov
Purchase APR
18.49%–28.49%Checked files.consumerfinance.gov
Income requirement
Not confirmed
Network
Mastercard
Credit needed
Not confirmed
Sign-up

The welcome offer

No welcome offer on file

We hold no published welcome offer for the Citi Strata℠ Card. That may mean there isn’t one, or simply that we have not recorded it — Citibank / Citigroup’s own page is the place to check.

Not published by the issuer where we checked ()
Rewards

What it earns

No earn rates on file

We hold no category earn rates for the Citi Strata℠ Card. Rather than print a multiplier we cannot source, this stays blank until Citibank / Citigroup’s own terms give us one.

We couldn't verify this · check with the issuer
Included

Perks & benefits

Card benefits

  • No annual fee
  • No authorized user fee
  • Points transfer to airline and hotel partners (American Airlines, JetBlue, Virgin Atlantic, Cathay, Eva Air, Choice Hotels, The Leading Hotels of the World)
  • Redeem points for gift cards, cash back, and merchandise
  • Use points to book travel via Citi Travel®
  • Digital wallet compatibility
  • Flexible payment due date options
  • Account alerts via email or text
Next step

Ready to apply for the Citi Strata℠ Card?

You'll finish the application on Citibank / Citigroup's own site. Terms can change without notice, so check the fee and offer there before you commit.

Apply nowOpens Citibank / Citigroup’s site
Questions

Questions about the Citi Strata℠ Card

How much is the Citi Strata℠ Card annual fee?

The Citi Strata℠ Card has an annual fee of $0. Weigh that against the rewards and perks you will actually use.

What does the Citi Strata℠ Card earn?

We could not verify the Citi Strata℠ Card's earn rates, so we do not print a multiplier. Check them on Citibank / Citigroup's own site.

What network is the Citi Strata℠ Card on?

The Citi Strata℠ Card runs on the Mastercard network, which determines where it is accepted and which network-level benefits apply.

Is the Citi Strata℠ Card available in United States?

Yes — the Citi Strata℠ Card is issued by Citibank / Citigroup and is available to eligible applicants in United States. Approval depends on the issuer's own credit and income criteria.

When were the Citi Strata℠ Card figures last checked?

We checked its annual fee in September 2026, its foreign transaction fee in December 2025 and its purchase APR in December 2025, each against a published document. Not published by Citibank / Citigroup where we checked: welcome offer. We could not verify, so we do not print: earn rates. Check them with Citibank / Citigroup. Terms can change without notice, so confirm the current details with Citibank / Citigroup before you apply.