Citi Strata℠ Credit Card — Your Ticket to Smarter Travel and Everyday Rewards

Designed for explorers and everyday dreamers, this card transforms every purchase into travel possibilities and peace of mind wherever you go.

Turn your next trip into a rewarding adventure. The Citi Strata℠ Credit Card helps you earn points faster, travel farther, and experience more—without sacrificing security or convenience.

The world feels closer when your credit card works as hard as you do. With the Citi Strata℠ Credit Card, every purchase becomes a step toward your next destination. Whether you’re booking flights, reserving hotels, or dining abroad, this card was designed to make your journey smoother and more rewarding.

Citi built the Strata℠ line for people who value flexibility and reliability. You earn valuable points on every purchase—redeemable for flights, hotel stays, and travel upgrades. And with zero foreign transaction fees, your money stays yours, even when you’re spending overseas.

More than a payment method, the Citi Strata℠ Card is a travel companion that keeps pace with your lifestyle—protecting your purchases, your information, and your dreams of adventure.

Benefits of the Citi Strata℠ Credit Card

• Earn Travel Rewards Every Day

Every purchase moves you closer to your next trip. The Citi Strata℠ Card lets you earn reward points on travel, dining, gas, groceries, and more. You can redeem those points through Citi ThankYou® Rewards for airfare, hotels, car rentals, or even statement credits.

This flexibility means you can plan trips your way—no blackout dates, no restrictions, just freedom.

• No Foreign Transaction Fees

Traveling internationally? Keep every cent you earn. The Citi Strata℠ Card charges no foreign transaction fees, so you can shop, dine, and explore worldwide without hidden costs.

This feature alone can save frequent travelers hundreds of dollars each year while offering the convenience of worldwide Visa® acceptance.

• Travel Protection and Assistance

Wherever you go, Citi’s global network is ready to help. The Citi Strata℠ Credit Card includes travel accident insurance, trip cancellation protection, and 24/7 emergency assistance.

Lost luggage? Delayed flight? Citi has you covered. It’s all part of the bank’s commitment to providing confidence and comfort beyond your departure gate.

• Digital Wallet Compatibility

In today’s world, contactless payments are essential—especially abroad. Add your Citi Strata℠ Card to Apple Pay®, Google Pay™, or Samsung Pay® for secure, one-touch transactions.

This makes your travel experience seamless and safe, whether you’re tapping at a café in Paris or buying a metro ticket in New York.

• Exclusive Experiences and Upgrades

As a Citi Strata℠ cardholder, you can unlock special access to events, culinary experiences, and concert tickets through Citi Entertainment®.

Plus, depending on your card tier, you may qualify for room upgrades or dining discounts at select partners. Travel becomes not just easier—but richer.

Turning Miles into Memories

Your spending power has value. Here’s how your rewards can translate into real-world travel savings:

Annual Spending	Points Earned	Approx. Travel Value	Additional Savings (No FX Fees)	Total Estimated Value
$5,000	5,000 pts	≈ $50	≈ $100	≈ $150
$10,000	10,000 pts	≈ $100	≈ $200	≈ $300
$20,000	20,000 pts	≈ $200	≈ $400	≈ $600

When used consistently, the Citi Strata℠ Card becomes a practical tool for saving and traveling smarter—especially when paired with other Citi services like online budgeting and travel notifications.

Security That Travels With You

Citi’s travel protection extends beyond insurance. The Strata℠ Card offers zero-liability protection, fraud alerts, and instant card-locking features through the Citi Mobile App.

That means you can pause your card if it’s misplaced, receive real-time purchase notifications, and resume use with a single tap. No matter where you are in the world, your security is always one step ahead.

Why Travelers Love the Citi Strata℠ Credit Card

This card’s strength lies in its adaptability. It suits frequent flyers, business travelers, and occasional vacationers equally well.

• Business Travelers: Earn points on everyday expenses and enjoy account management on the go.
• Leisure Travelers: Redeem points for flights or hotel stays and save on fees abroad.
• Occasional Travelers: Benefit from insurance, fraud protection, and worldwide acceptance.

Whatever your travel style, the Citi Strata℠ Credit Card transforms your spending into adventure potential—responsibly and rewardingly.

Eligibility Criteria

To apply, you typically need:

• A good-to-excellent credit score (around 700 or higher).
• Proof of steady income sufficient to manage payments.
• U.S. residency and valid identification.

Applicants meeting these conditions can access competitive limits and exclusive travel benefits.

Application Process

Applying for your Citi Strata℠ Credit Card takes only a few minutes:

1. Visit the official Citi website.
2. Locate the Citi Strata℠ Credit Card page.
3. Click “Apply Now.”
4. Complete your personal and financial information.
5. Review the APR, annual fee, and reward details.
6. Submit for a quick decision—many applicants receive instant results.

Once approved, you can add your card to your digital wallet and start earning rewards right away.

Frequently Asked Questions

1. Does the Citi Strata℠ Card earn airline miles?
It earns Citi ThankYou® points, which can be redeemed for flights or transferred to select airline partners.

2. Are there foreign transaction fees?
No. All purchases abroad are free of extra charges.

3. Does the card include travel insurance?
Yes. Trip cancellation, delay protection, and travel accident insurance are included.

4. How soon can I start using my card?
Once approved, you can use your card digitally before receiving the physical version by mail.