Citibank, N.A.Nationwide

Citi Strata

No annual fee

Purchase APR: 18.49%–28.49% APR
Foreign transaction fee: 3%
Intro APR: 8 months
Targeted credit: Fair–Good (620–719) · Excellent (720+)

Rewards rates

🏨5x Hotels(Citi ThankYou Points)5x ThankYou points on hotels booked via cititravel.com
🧳5x Other travel(Citi ThankYou Points)5x ThankYou points on car rentals & attractions booked via cititravel.com
🛒3x Groceries & supermarkets(Citi ThankYou Points)3x ThankYou points at supermarkets
🚇3x Transit & rideshare(Citi ThankYou Points)3x ThankYou points on select transit purchases
⛽3x Gas & EV charging(Citi ThankYou Points)3x ThankYou points at gas & EV charging stations
📺3x Streaming(Citi ThankYou Points)3x ThankYou points on default Self-Select category (streaming); user may switch categoryactivation required
🍽️2x Dining & restaurants(Citi ThankYou Points)2x ThankYou points at restaurants
💳1x All purchases(Citi ThankYou Points)1x ThankYou points on all other purchases

APR & fees: CFPB Terms of Credit Card Plans survey (as of 2025-12-31). Rewards: issuer public pages (collected 2026-08-31) — every figure above appears verbatim in the source; terms shown may lag issuer changes.

Informational comparison only — not financial advice and not an offer of credit. We don't check your credit or guarantee approval. Confirm current terms with the issuer.