Offer value details
Citi lists a Strata Card offer with 20,000 bonus ThankYou Points, a 5x/3x/2x/1x rewards structure, and an introductory APR period.
Qualification requirements
Earn 20,000 bonus ThankYou Points after spending $1,000 on purchases in the first 3 months of account opening. Citi says bonus ThankYou Points are not available if the applicant received a new-account bonus for a Citi Strata, Citi Strata Student, Citi Rewards+, or Citi Rewards+ Student account in the past 48 months, or converted another Citi card account with a new-account bonus into one of those products in the last 48 months.
Fees and costs
The rendered Citi pricing details list a $0 annual fee, no authorized-user fee, 0% introductory APR for 15 months on purchases and balance transfers from account opening, 18.49%-28.49% variable purchase and balance-transfer APRs after the intro period, a 3% intro balance-transfer fee with $5 minimum for transfers completed within the first 4 months, a 5% later balance-transfer fee with $5 minimum, a Citi Flex Pay monthly plan fee up to 1.72%, a 29.74% variable cash-advance APR, penalty APR up to 29.99%, a $0.50 minimum interest charge, a 3% foreign-purchase fee, and cash-advance fees.
Availability
Citi says the offer may not be available if the user leaves the page, offers may vary, and the card is for new cardmembers subject to credit approval, additional limitations, terms, and conditions.
What to verify
- Interest charges can outweigh the welcome bonus or rewards if balances are carried.
- Point value depends on redemption method, transfer partner availability, and ThankYou program rules.
- The 20,000-point bonus is limited by Citi's 48-month new-account-bonus and conversion restrictions.
- The self-select 3x category has registration and calendar-quarter change rules.
- The reviewed static page exposes numeric placeholders, so this public record keeps medium source confidence and relies on the normal-browser rendered page for current numeric terms.
Confirm current provider terms
Rates, rewards, fees, qualification rules, eligibility, and deadlines can change. Review the provider terms before applying.