The Citi Strata is a personal credit card from Citi Strata. Application typically pulls a hard report from Experian. The annual fee is $0. Approval typically requires a credit score of 750 or higher. Rewards: Earn on supermarkets, gas stations, restaurants and more. Cash back: bonus points after qualifying purchases. Soft-pull pre-qualification is available — no hard inquiry to check approval odds. Application rules: Citi enforces an 8/65/95 rule (max 1 card per 8 days, 2 cards per 65 days, no more than 1 business-card every 95 days). Sign-up bonuses on Citi cards are restricted to 48 months from your last bonus on that card family..