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Bestmoney Staff

Jul. 29, 2025

1 min read

Pros

Generous welcome bonus
0% intro APR
High earning rates in travel, gas, and supermarkets
No annual fee

Cons

Limited category customization
Foreign transaction fees
Bonus travel rewards limited to Citi Travel bookings

Citi Strata℠ Card at a glance

9.6

Editorial score

Fees

$0 annual fee, cash advance fee of 5% of each cash advance ($10 minimum), 3% foreign transaction fee

10.0

APR

19.24% - 29.24% Variable

9.0

Security

FDIC insured, 128-bit SSL encryption, biometric, and two-factor authentication

10.0

Customer service

24/7 customer service on the phone and live chat

10.0

Online experience

User-friendly online platform and app, comprehensive Help Center and FAQ Section on website

9.0

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Written by

Bestmoney Staff

The BestMoney.com editorial team is composed of writers and experts covering a full range of financial services. Our mission is to simplify the process of selecting the right provider for every need, leveraging our extensive industry knowledge to deliver clear, reliable advice.