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Citi · Mastercard

Citi Strata℠ Card

★★★★★ 4.5 Wafacard score
Issuer page Confirm current terms on the issuer website
Annual fee
$0
Rewards rate
1x
Intro offer
Intro value may include 20,000 points. Confirm current requirements with the issuer.
Recommended credit
Good (670-719)
Fees and terms

Rates and fees can change by applicant profile and issuer updates. Confirm current terms on the issuer website before applying.

Annual fee
No annual fee
Purchase APR
APR range: 18.49% - 28.49%
Balance transfer APR
0% intro balance-transfer period for 15 months; variable APR applies after.
Cash advance APR
APR range: 29.74%
Promo APR length
15 months
Foreign transaction fee
Check issuer terms
Late payment fee
Up to $40
Grace period
21 days
Recommended credit
Good (670-719)
Terms last updated
6/22/2026
Key benefits
  • Intro APR or transfer-focused terms
  • Fraud-liability protection
  • No yearly card fee
Rewards breakdown

Wafacard summary: this everyday credit card shows points earning from 1x-5x depending on where the card is used. Confirm category definitions and caps with the issuer before applying.

Intro offer: Intro value may include 20,000 points. Confirm current requirements with the issuer.

Card details

Wafacard note: key fit signals include intro apr or transfer-focused terms, fraud-liability protection, no yearly card fee. Availability, exclusions, and enrollment rules can vary by issuer terms.

Issuer
Citi
Network
Mastercard
Type
general
Review status
Terms reviewed 6/30/2026

Is Citi Strata℠ Card worth it?

The Citi Strata℠ Card is a no-annual-fee general card from Citi, so you can keep it long term without paying to hold it. It lists 1x on eligible spending, and the breakdown below shows how that earning applies across categories. New cardholders may also qualify for a welcome offer: Intro value may include 20,000 points. Confirm current requirements with the issuer. It is generally aimed at applicants with good (670-719) credit, with a purchase APR around APR range: 18.49% - 28.49%. Confirm current terms on Citi's site before applying.

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