Citi Strata Card

Annual Fee $0 Annual interest rate 18.49% - 28.49% Variable% General Points Reward 0.01pts.	Travel Medical Insurance no Travel Accident Insurance no Trip Cancellation Insurance no Trip Interruption Insurance no Vehicle Rental Insurance no Travel Family Insurance no Concierge Services no Price Protection Insurance no Extended Warranty (1 Year) yes Purchase Protection (90 days) no

Citi Strata Card; $0 annual fee; earn 3 ThankYou Points per $1 at supermarkets; 2 points per $1 on gas and EV charging; 2 points per $1 on select travel including hotels, car rentals, and attractions; 1 point per $1 on all other purchases; welcome offer: 20,000 bonus ThankYou Points after $1,500 spent in first 3 months; 0% intro APR on purchases and balance transfers for 12 months, then 18.24%-28.24% variable; redeem at 1 point = $0.01 via statement credit, travel booking, gift cards, or Amazon/BestBuy/PayPal; 3% foreign transaction fee; 5% or $5 balance transfer fee; Citi Entertainment presales; 24/7 fraud protection.Moderate earners who want no-fee ThankYou Points on grocery and gas plus a small travel bonus without upgrading to the $95 Strata Premier.