The Citi Strata Elite ℠ Card is a personal credit card from Citi Strata Elite ℠ Card. Application typically pulls a hard report from Experian. The annual fee is null. The ongoing APR is null after a null introductory rate. Approval typically requires a credit score of 650-700 or higher. Signup bonus: bonus points after qualifying purchases. Rewards: Earn ThankYou ® Points on travel and dining purchases. Cash back: null. 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..