Citi Strata℠ Card
Annual Fee
$0
Sign-Up Bonus
$150
Spend $1,000 in 3mo
Terms apply.
Base Rate
1x
on everything
Best For
Budget-friendly points card with automatic round-up on every purchase
Sign-Up Bonus
Bonus: 15,000 points
Requirement: Spend $1,000 in 3 months
Estimated value: $150Terms apply.
Reward Categories
Supermarkets (up to $6,000/year)
Cap: $6,000/yr
Gas stations (up to $6,000/year)
Cap: $6,000/yr
Key Benefits
Pros & Cons
Pros
- + Points round up to nearest 10 on every purchase — great for small transactions
- + 2x on grocery and gas up to $6,000/year each
- + No annual fee
- + Pairs well with Citi Premier for transfer partner access
Cons
- - 2x rates are capped at $6,000/year per category
- - Round-up benefit is modest — best on small purchases
- - 1x base rate is below average for a no-fee card
- - ThankYou points worth only 1¢ without Premier/Prestige pairing
Rates and fees may vary.See current rates, fees, and terms on Citi's site
Recommended credit score: 670+
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