Is the Citi Strata card subject to Chase's 5/24 rule?

No, the Citi Strata card is issued by Citi and is not subject to Chase's 5/24 rule. However, Citi has its own application rules, such as 1 card per 8 days and 2 cards per 65 days.

What credit score do I need for the Citi Strata card?

You generally need a 'good' credit score to be approved for the Citi Strata card. This typically means a FICO score of 670 or higher, though approval depends on various factors.

Can I get the Citi Strata bonus twice?

No, you are not eligible for the Citi Strata bonus if you received a new account bonus for a Citi Strata, Citi Strata Student, Citi Rewards+, or Citi Rewards+ Student account in the past 48 months. This also applies if you converted another Citi card within that timeframe.

Does the Citi Strata card have an annual fee?

No, the Citi Strata card has a $0 annual fee, making it a cost-effective option for earning ThankYou Points.

What are Citi's general application rules for new credit cards?

Citi generally limits approvals to 1 new card every 8 days and 2 new cards every 65 days. These rules apply across most Citi credit card products.

Does the Citi Strata card charge foreign transaction fees?

Yes, the Citi Strata card does charge foreign transaction fees. This means it's not the best card to use for purchases made outside the United States.

Citi Strata Card: 20,000 TYP Bonus & $0 Fee (June 2026)

The Citi Strata card offers a welcome bonus of 20,000 ThankYou Points, valued at approximately $200, after spending $1,000 in the first 90 days. This card is a solid option for those seeking a no-annual-fee entry into the Citi ThankYou Points ecosystem. Eligibility is subject to Citi's application rules, including a crucial 48-month restriction on receiving a bonus for this card or related Citi Rewards+ accounts. A 'good' credit score is generally required for approval. This offer is current as of June 2026.

The Citi Strata card presents a straightforward opportunity to earn valuable ThankYou Points without an annual fee. Understanding its specific application rules and bonus eligibility is key for any churner.

Current Welcome Bonus & Value

As of June 2026, the Citi Strata card offers a welcome bonus of 20,000 ThankYou Points (TYP). This bonus is estimated to be worth $200 when redeemed for various options within the ThankYou Rewards program.

Minimum Spend to Earn It

To earn the 20,000 ThankYou Points welcome bonus, you must spend $1,000 on eligible purchases within 90 days of account opening.

Who's Eligible

Applying for the Citi Strata card involves specific issuer and card-family rules:

Credit Score: A good credit score is generally required for approval.
Citi 48-Month Bonus Rule: You are not eligible for the bonus if you received a new account bonus for a Citi Strata, Citi Strata Student, Citi Rewards+, or Citi Rewards+ Student account in the past 48 months. This also applies if you converted another Citi credit card account (on which you earned a new account bonus in the last 48 months) into one of these specific card types.
Citi Application Rules:
- You can generally only be approved for 1 Citi card every 8 days.
- You can generally only be approved for 2 Citi cards every 65 days.

Is It Worth It?

The Citi Strata card can be a valuable addition to a churner's wallet, especially for those new to the ThankYou Points ecosystem.

Pros:

No Annual Fee: Enjoy the benefits and bonus without an ongoing cost.
Solid Welcome Bonus: 20,000 TYP for a no-annual-fee card is a respectable return.
ThankYou Points: TYP are a flexible currency that can be redeemed for various options, including gift cards, travel, or statement credits.

Cons:

Foreign Transaction Fee: This card charges a foreign transaction fee, making it less ideal for international travel purchases.
48-Month Bonus Restriction: The strict 48-month rule for the Strata/Rewards+ family means careful planning is needed if you've recently held or converted related Citi cards.

How to Apply

To apply for the Citi Strata card, visit the official Citi website or a trusted affiliate link. Ensure you review the current terms and conditions before submitting your application. Remember to check your credit score and recent Citi application history to ensure eligibility.

Alternatives

If the Citi Strata isn't the right fit, or if you're looking to expand your Citi portfolio, consider these related cards:

Citi Premier Card: A premium ThankYou Points earning card with transfer partners.
Citi Rewards+: Another no-annual-fee card, known for rounding up purchases to the nearest 10 points.
Citi AT&T Points Plus Card: A co-branded option for AT&T customers.
Citi® Double Cash Card: Popular for its flat-rate cash back (earned as ThankYou Points).
Sears/Shop Your Way Card: A retail co-branded card.

Offers change frequently and may not be available to all applicants. Information is provided for research; verify terms on the issuer's site before applying. Chuuurning may not be compensated by issuers.

Citi Strata — 20,000 points bonus