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Citi Strata Premier Card overview
The Citi Strata Premier℠ Card (see charges and costs) is an under-the-radar gem with an exceptional vary of bonus classes. Whereas Citi factors aren’t as invaluable as Chase or Amex factors, the flexibility to earn 3 factors per greenback on eligible journey and eating purchases for a modest annual payment continues to be a reasonably nice deal. Card score*: ⭐⭐⭐⭐
* Card score is predicated on the opinion of TPG’s editors and isn’t influenced by the cardboard issuer.
The Citi Strata Premier Card is likely one of the finest earners on all kinds of on a regular basis spending. It accrues 3 factors per greenback with airways, electrical car charging and gasoline stations, accommodations, eating places and supermarkets — a wonderful slate of bonus classes for a card with a $95 annual payment.
And the factors you earn with the Citi Strata Premier are among the many most versatile rewards currencies, price 1.8 cents every (in response to TPG’s Might 2025 valuations).
The really helpful credit score rating for the Citi Strata Premier card is 670 or above.
In the event you’re there and are contemplating making use of, this is what else it’s best to learn about this card — and why you may need to apply now.
Associated: The very best Citi bank cards
Citi Strata Premier execs and cons
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Citi Strata Premier welcome provide
The Citi Strata Premier is providing 60,000 bonus factors after spending $4,000 within the first three months of account opening.
In accordance with TPG’s Might 2025 valuations of ThankYou factors at 1.8 cents apiece, this bonus is price $1,080.
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That is the Strata Premier’s common provide. The cardboard has beforehand provided as much as 80,000 factors for brand new cardholders (not obtainable).
The welcome bonus isn’t obtainable if in case you have obtained a brand new account bonus for a Citi Premier or Citi Strata Premier account up to now 48 months. It’s also not obtainable if in case you have transformed one other Citi bank card account on which you earned a brand new account bonus within the final 48 months right into a Premier or Strata Premier card.
Associated: The last word information to bank card software restrictions
Citi Strata Premier advantages
A lot of Citi Strata Premier‘s worth proposition comes from its capability to earn bonus factors in lots of classes with out charging a hefty annual payment. As such, you should not count on an amazing variety of perks.
Nonetheless, there are a number of advantages of this card that may make it easier to recoup your annual payment:
- $100 annual resort credit score: Get pleasure from a $100 credit score as soon as per calendar yr for single-stay resort bookings of $500 or extra (excluding taxes and costs) made by way of the Citi journey portal.
- World Elite Mastercard advantages: As a World Elite Mastercard, the Citi Strata Premier confers a number of travel-related perks that customers won’t learn about. These embrace a $5 month-to-month Lyft credit score after taking three rides in a calendar month and entry to the Mastercard luxurious accommodations and resorts portfolio for on-property perks like complimentary breakfast and room upgrades upon availability. By the World Elite Mastercard program, you will additionally get pleasure from perks like cellphone safety and World Emergency Companies.
- Citi Leisure: This program provides cardholders particular entry to buy tickets to 1000’s of occasions — from live shows and sporting occasions to distinctive eating experiences and film screenings — earlier than most of the people can purchase them.
- No international transaction charges: Like all good journey card, the Citi Strata Premier permits you to journey freely with out incurring a payment on worldwide spending.
The Citi Strata Premier additionally helps you journey with ease of thoughts, offering the next journey protections:
- Automobile rental protection
- Misplaced or broken baggage
- Journey cancellation and interruption
- Journey delay
I all the time be sure that to make use of the $100 annual resort credit score as it is a positive approach to offset the annual payment. Nonetheless, other than this, there aren’t many different advantages to benefit from for substantial financial savings.
Associated: Is the Citi Premier definitely worth the annual payment?
Incomes factors on the Citi Strata Premier
The Citi Strata Premier‘s incomes construction is the place the cardboard shines.
The cardboard affords 10 ThankYou factors per greenback spent on accommodations, automobile leases and points of interest booked by way of the Citi Journey portal.
Cardholders additionally earn 3 factors per greenback on purchases within the following classes, with no caps or annual limits:
- Air journey
- EV charging stations
- Fuel stations
- Accommodations
- Supermarkets
- Eating places (together with takeout)
The cardboard earns 1 level per greenback on all different purchases.
These incomes charges are among the many most spectacular of any journey rewards card, particularly contemplating the Citi Strata Premier’s inexpensive annual payment. That is my go-to card for gasoline purchases because it earns an infinite 3 factors per greenback, which lessens the sting of the excessive gasoline costs in California.
I additionally usually use this card to earn bonus factors at supermarkets as a result of, in contrast to the American Specific® Gold Card, there isn’t any spending cap on this class.
Associated: The 7 finest bank cards with annual charges underneath $100
Redeeming factors on the Citi Strata Premier
You possibly can redeem your ThankYou Factors for journey immediately by way of the Citi portal at a price of 1 cent every, however that is nicely beneath TPG’s Might 2025 valuation of ThankYou factors at 1.8 cents every. To get extra worth, you will need to benefit from the choice to switch your factors to Citi’s intensive listing of switch companions.
Transferring factors on the Citi Strata Premier
The Citi Strata Premier can also be a best choice for vacationers, because of its participation within the ThankYou Rewards program, which presently has one purchasing, 5 resort and 15 airline switch companions.
When you’ll discover that most of the frequent flyer applications are these of worldwide airways, you may nonetheless e-book high-value (and simply redeemable) awards by way of them.
I discover nice worth in a number of switch companions, together with Air France-KLM Flying Blue, which affords business-class flights for as few as 60,000 miles and the flexibility so as to add a stopover at no cost for as quick as 24 hours to so long as one yr. Final yr, I transferred Citi ThankYou factors to Flying Blue to fly in enterprise class from Los Angeles to Dublin with a one-day stopover in Paris for 60,000 factors.
One other switch associate I’ve utilized is Singapore Airways KrisFlyer, which is a good way to e-book premium cabins on Singapore Airways.
Associated: Greatest methods to redeem Citi ThankYou factors
Which playing cards compete with the Citi Strata Premier?
As an inexpensive journey rewards card, the Citi Strata Premier has just a few direct opponents that may be a greater match for you:
- In the event you choose Chase playing cards: The Chase Sapphire Most well-liked® Card (see charges and costs) competes immediately with the Citi Strata Premier with the identical $95 annual payment. Whereas Chase’s switch companions (together with United MileagePlus and World of Hyatt) may be extra helpful for a lot of vacationers, there are additionally some overlaps (like Singapore KrisFlyer and Virgin Atlantic Flying Membership). For extra info, learn our full assessment of the Sapphire Most well-liked.
- If you would like a flat incomes price: Strive the Capital One Enterprise Rewards Credit score Card. It additionally costs the identical $95 annual payment, however this card earns a flat 2 miles per greenback on most purchases as an alternative of providing bonus classes. For extra info, learn our full assessment of the Enterprise Rewards card.
- If you would like added perks: In the event you dine out often, you may choose the American Specific® Gold Card. It has a better incomes price of 4 factors per greenback at U.S. supermarkets (on the primary $25,000 in purchases per calendar yr, then 1 per greenback) and at eating places worldwide (on as much as $50,000 in purchases per calendar yr, then 1 level per greenback). It additionally comes with invaluable credit that may greater than offset the substantial $325 annual payment (see charges and costs). For extra info, learn our full assessment of the Amex Gold.
For extra choices, try our full listing of the highest journey rewards playing cards.
Backside line
Regardless of a bevy of opponents, the Citi Strata Premier‘s lengthy listing of bonus classes and strong welcome bonus make it one of the profitable points-earning playing cards in its worth vary.
The wide selection of ThankYou Rewards switch companions makes this card compelling, particularly for vacationers who need the pliability to redeem factors with numerous loyalty applications.
It is price severe consideration in the event you’re a fan of Citi or on the lookout for a flexible journey rewards card so as to add to your pockets.
Apply right here: Citi Strata Premier
For charges and costs of the Amex Gold Card, click on right here.
