$Ballpark Cards

Citi Strata Card

Citi · US
Sign-up bonus
20,000 Citi ThankYou Points
Annual fee
$0
Purchase APR
18.49–28.49% (varies by applicant)
Cash advance APR
29.74%
Intro purchase APR
0% for 15 months
Intro balance-transfer APR
0% for 15 months
Penalty APR
29.99%
Balance-transfer fee
3% for 4 months, then 5%
Rate formula
Prime 6.75% + 11.74–21.74%
FX markup
3%
Fees/APR in USD; SUB in raw points or USD; logged-out public offer, captured 2026-08-23

Bonus breakdown

Spend $1,000 · within 3 months

Earn rates

Where this issuer's pages disagree

Disclosure documents

History

Tracked since 2026-07-22 (7 snapshots). As the archive grows, sign-up-bonus and fee changes appear here.

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