Everyday life is full of small moments that define your story — the quick weekend getaway, the dinner with friends, or that spontaneous online purchase. The Citi Strata℠ Credit Card was made for people who embrace those moments with energy and ambition.
With Citi’s legacy of reliability and innovation behind it, this card combines reward potential, digital convenience, and strong security in one sleek design. Each purchase earns you valuable points that can be redeemed for travel, cash back, or statement credits — all tailored to how you live and spend.
Whether you’re planning your next adventure or simply want to make your daily life more rewarding, the Citi Strata℠ Card empowers you to go further, live brighter, and enjoy greater financial control without complexity.
Citi Strata℠
$0 Annual fee Shop with pointsBenefits of the Citi Strata℠ Credit Card
Rewards That Match Your Ambition
With the Citi Strata℠ Credit Card, every swipe moves you closer to your goals. Earn points on every purchase — from groceries to airline tickets — without confusing categories or limits.
These points never expire, giving you complete flexibility to redeem them for what truly matters: a flight to a new destination, a weekend staycation, or even statement credits to lighten next month’s bill.
Introductory Rates That Give You Space to Breathe
Big dreams sometimes come with big expenses, and Citi makes it easier to manage them. New cardholders often enjoy low introductory APRs on purchases and balance transfers, allowing time to plan, budget, and pay down balances at a manageable pace.
It’s a thoughtful benefit for those who value both freedom and responsibility in their financial journey.
Designed for Life on the Go
The Citi Strata℠ Card fits seamlessly into your modern lifestyle. Use it with Apple Pay®, Google Pay™, or Samsung Pay® for fast, contactless transactions wherever you go. Through the Citi Mobile App, you can track rewards, lock your card instantly, and receive real-time alerts — all from your smartphone.
The card is more than a payment tool — it’s your companion for effortless financial organization and security.
Security That Travels With You
Whether you’re exploring a new city or shopping online at home, you’re always protected. Citi’s zero-liability protection, fraud-detection technology, and purchase protection keep your transactions safe.
Extended warranty coverage also ensures the products you buy last longer — because peace of mind is one reward that never loses value.
How the Citi Strata℠ Card Enhances Your Lifestyle
The Citi Strata℠ Credit Card isn’t just a way to pay; it’s a smarter way to live.
It adapts to your pace — rewarding you for what you already do. Planning a family vacation? Use your points to save on flights. Grabbing takeout or streaming your favorite show? Those purchases count toward rewards too.
It’s this balance of simplicity and opportunity that makes the card appealing to modern consumers seeking value without compromise.
Potential Savings and Everyday Advantages
Your card can deliver real savings when used strategically.
| Annual Spending | Approx. Points Earned | Value in Cash Back/Travel Credits | Savings from Intro APR | Total Annual Value |
| $5 000 | 5 000 points | ≈ $50 | ≈ $100 | ≈ $150 |
| $10 000 | 10 000 points | ≈ $100 | ≈ $200 | ≈ $300 |
| $20 000 | 20 000 points | ≈ $200 | ≈ $400 | ≈ $600 |
For families or professionals who rely on their cards daily, those numbers translate into meaningful value — and potentially one free trip each year.
Security You Can Trust
In today’s digital world, protecting your financial information is essential. The Citi Strata℠ Credit Card provides advanced encryption and constant fraud monitoring. You’ll receive instant alerts for unusual activity, and if anything looks suspicious, Citi acts immediately.
This proactive protection ensures you can shop, travel, and live freely — with confidence in every swipe.
Eligibility Criteria
Applicants generally need:
- A good-to-excellent credit score (typically 700 or higher).
- Proof of stable income to support monthly payments.
- U.S. residency and a valid ID to apply.
Meeting these requirements helps ensure fast approval and access to the full range of card benefits.
Application Process
Getting started is easy:
- Visit the official Citi website.
- Navigate to the Citi Strata℠ Credit Card page.
- Click “Apply Now.”
- Fill in your personal and financial information.
- Review the APR, terms, and conditions.
- Submit your application for instant review.
Approved applicants typically receive their card within 7–10 business days and can start earning rewards immediately after activation.
Frequently Asked Questions
1. Can I redeem points for cash back?
Yes. You can redeem points for cash back, travel bookings, gift cards, or statement credits through Citi ThankYou Rewards®.
2. Is there an annual fee?
Yes, a reasonable annual fee applies, offset by the value of the rewards and introductory offers.
3. Does the Citi Strata℠ Card have foreign-transaction fees?
No — the card is ideal for international purchases thanks to its worldwide acceptance and zero foreign-transaction fees.
4. Is the card safe for online shopping?
Absolutely. Citi’s secure servers and real-time fraud alerts make it a dependable option for digital purchases.
Take Control of Your Finances with the U.S. Bank Split™ World Mastercard® 
Spend Smarter Every Day with the U.S. Bank Smartly™ Visa Signature® Card 
U.S. Bank Shopper Cash Rewards® Visa Signature® Card