The Citi Strata is a personal credit card from Citi Strata. Application typically pulls a hard report from Experian. The annual fee is $0. The ongoing APR is 18.49% - 28.49% after a 0% introductory rate for 15 months. Approval typically requires a credit score of 750 or higher. Signup bonus: Earn 20,000 bonus Points after spending $1,000 in the first 3 months of account opening.. Rewards: bonus points after qualifying purchases. This product reports activity to your personal credit report. ITIN-friendly — accepts applicants with an Individual Taxpayer Identification Number in lieu of an SSN. 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.. Great for everyday spenders who also want 0% APR runway. U.S. Bank Shield Visa Card. BT Fee: 3% or $5 minimum during intro; 5% or $5 afterward. Post-intro APR: 19.24%–29.24% variable