Citi Strata Elite ® Card 1 Citi Strata Elite ® Card Pricing Details The variable APR for purchases, and balance transfers is 20.74 % - 28.74 %, based on your creditworthiness. For Citi Flex Plans subject to an APR, the variable APR is 20.74 % - 28.74 %, based on creditworthiness. For Citi Flex Pay Plans subject to a Plan Fee, a monthly fee of up to 1.72 % will apply, based on the Citi Flex Plan duration, the APR that would otherwise apply to the Transaction, and other factors. The variable APR for cash advances is 29.99 %. The variable penalty APR is up to 29.99 % and may be applied if you make a late payment or make a payment that is returned. Minimum interest charge – $ 0.50 . Annual fee - $595 . Annual fee for Authorized Users - $ 75 . Fee for foreign purchases - None. Cash advance fee - either $ 10 or 5 % of the amount of each cash advance, whichever is greater. Balance transfer fee — either $ 5 or 5 % of the amount of each transfer, whichever is greater. New cardmembers only. Subject to credit approval. Additional limitations, terms and conditions apply. You will be given further information when you apply.