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Citi Strata Premier℠ Card

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Rates & Fees
  • Our Rating 4.5/5 How our ratings work Read the review
  • APR21.24% - 29.24% (Variable)
  • Annual Fee$95
  • Sign Up Bonus 70,000Citi ThankYou® Points More Info

    Earn 70,000 bonus ThankYou® Points after spending $4,000 in the first 3 months of account opening, redeemable for $700 in gift cards or travel rewards at thankyou.com. Dollar Equivalent: $1,260 (70,000 Citi ThankYou® Points * 0.018 base)

The Citi Strata Premier℠ Card, from our partner Citi, is worth considering if you’re looking for accelerated travel rewards but don’t want to pay a huge annual fee. It’s easy to quickly rack up lots of points on this card. While you can redeem ThankYou points for gift cards, you’ll get more value when you redeem points for flights and hotels, and potentially even better value when you transfer points to travel partners.

A Strong Rewards Card for Everyday Purchases

The Citi Strata Premier℠ Card, from our partner, Citi, is a flexible travel rewards credit card that offers plenty of benefits to people who frequently travel and dine out. The card has an attractive rewards system that lets cardholders earn multiple points on air travel, gas station, dining, and grocery store purchases. This makes it a great choice for people who spend a lot in these areas. The card also has a generous sign-up bonus, an annual hotel savings benefit, and no foreign transaction fees, which make it even more appealing to people who travel often. If you have a lifestyle that fits with these spending categories and you value flexible travel rewards, the Citi Strata Premier℠ Card could be a great choice for you.

Pros

  • High reward rate on common categories of consumer spending
  • Points are easily transferable to airlines and hotel partners
  • No foreign transaction fees
  • Points never expire

Cons

  • $95 annual fee
  • No standout rewards category

Card Highlights

  • The card offers 3x points on air travel, gas stations, restaurants and supermarkets, and 1x points on all other purchases.
  • Earn 70,000 bonus ThankYou® Points after spending $4,000 in the first 3 months of account opening, redeemable for $700 in gift cards or travel rewards at thankyou.com.
  • Cardholders can receive a hotel savings benefit on eligible hotel stays booked through the Citi Travel℠ Center.
  • No foreign transaction fees, making it a good option for international travel.
  • Annual fee is $95.
  • The card earns 10x points on hotel and car rental bookings through the Citi Travel portal

What Our Credit Card Experts Are Saying

“The Citi Strata Premier℠ Card was one of the first cards I got when our family first started exploring credit card rewards. I used it and the Chase Sapphire Preferred Card to earn enough points to fund our first award vacation to Disney World and Universal Orlando. Our local airport offers numerous flights to Orlando via JetBlue, which is one of the travel transfer partners in the Citi ThankYou Rewards program. We were able to earn the huge sign-up bonus from our everyday spending while taking advantage of awesome bonus rates in family-friendly categories like restaurants, supermarkets and gas stations. We also put the $100 annual hotel savings perk to good use on that first trip and several other adventures since then.”

Kevin Payne Writer

Sign-Up Bonus

Citi Strata Premier℠ Card has an enticing sign-up bonus for anyone considering opening a new card:

  • Earn 70,000 bonus ThankYou® Points after spending $4,000 in the first 3 months of account opening, redeemable for $700 in gift cards or travel rewards at thankyou.com.

Once you earn the sign-up bonus, your Citi ThankYou Rewards could go toward funding a trip to Hawaii with the family or shopping for some new clothes at any of Citi's retail partners.

You can transfer Citi ThankYou Points to any of the program's multiple transfer partners.

Earning Rewards

With the Citi Strata Premier℠ Card, you can earn rewards faster for those simple, everyday purchases at the supermarket or ordering takeout at your favorite restaurant. If you’re a daily commuter, you’ll get rewarded for what you already do on a regular basis as well.

With the Citi Strata Premier℠ Card, you’ll earn:

  • 3x ThankYou Points for every dollar you spend at restaurants, supermarkets, gas stations, air travel, and hotels
  • 1X per dollar spent on all other qualifying purchases

Suppose you have a gas guzzler and spend at least $60 on gas every time you fill the tank. Spending on gas will get you three times closer to your point goal. These points can eventually help you prepare for your next road trip with family and friends, or they can help you shop for wishlist items with the gift cards you can redeem them for.

Earn More Rewards on Travel

For a limited time, cardholders earn a remarkable 10x ThankYou Points per dollar spent on hotels, rental cars or attractions booked using the Citi Travel portal.

Recommended Travel Credit Cards

Credit Card Intro Bonus Annual Fee Rewards Rate Learn More

Chase Sapphire Preferred®

60,000Chase Ultimate Rewards Points More Info

Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Travel℠. Dollar Equivalent: $1,380 (60,000 Chase Ultimate Rewards Points * 0.023 base)

$95 1x- 5xPoints More Info

Enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, $50 Annual Chase Travel Hotel Credit, plus more.

Southwest Rapid Rewards® Plus Credit Card

50,000Southwest Rapid Rewards Points More Info

Earn 50,000 bonus points after spending $1,000 on purchases in the first 3 months from account opening. Dollar Equivalent: $700 (50,000 Southwest Rapid Rewards Points * 0.014 base)

$69 1x - 2xPoints More Info

Earn 2X points on Southwest® purchases. Earn 2X points on Rapid Rewards® hotel and car rental partners. Earn 2X points on local transit and commuting, including rideshare. Earn 2X points on internet, cable, and phone services; select streaming. Earn 1X points on all other purchases.

Citi Custom Cash® Card

$200Cash Bonus More Info

Earn $200 in cash back after you spend $1500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® points, which can be redeemed for $200 cash back.

$0 1% - 5%Cashback More Info

Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter. Also, earn unlimited 1% cash back on all other purchases. Special Travel Offer: Earn an additional 4% cash back on hotels, car rentals, and attractions booked on Citi Travel℠ portal through 6/30/2025.

Citi Strata Premier℠ Card

70,000Citi ThankYou® Points More Info

Earn 70,000 bonus ThankYou® Points after spending $4,000 in the first 3 months of account opening, redeemable for $700 in gift cards or travel rewards at thankyou.com. Dollar Equivalent: $1,260 (70,000 Citi ThankYou® Points * 0.018 base)

$95 1X-10XPoints More Info

10x on Hotels, Car Rentals, and Attractions booked through CitiTravel.com 3x -- Earn 3 Points per $1 spent on Air Travel and Other Hotel Purchases 3x -- Earn 3 Points per $1 spent on Restaurants 3x -- Earn 3 Points per $1 spent on Supermarkets 3x -- Earn 3 Points per $1 spent on Gas and EV Charging Stations 1x -- Earn 1 Point per $1 spent on All Other Purchases

T

Pooling ThankYou Points

If you also carry other Citi credit cards, such as the Citi Double Cash® Card or Citi Custom Cash® Card, you can transfer rewards to your Citi Strata Premier℠ Card account to pool ThankYou Points for future travel.

In addition to the Citi Strata Premier℠ Card, several Citi products also earn ThankYou Points, including:

While these credit cards all earn Citi ThankYou Rewards, the rewards rates vary depending on the card and the purchase category. You'll also only earn points for eligible spending. You will not earn them when using the Citi Flex Plan to pay down your account balances over time or to tap your credit line for cash.

Compare Citi Credit Cards

Credit Card Intro Bonus Annual Fee Rewards Rate Learn More
Citi Double Cash

Citi Double Cash® Card

$200Cash Bonus More Info

Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.

$0 2%Cashback More Info

Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. To earn cash back, pay at least the minimum due on time. Plus, for a limited time, earn 5% total cash back on hotel, car rentals and attractions booked on the Citi Travel℠ portal through 12/31/24.

Citi Strata Premier℠ Card

70,000Citi ThankYou® Points More Info

Earn 70,000 bonus ThankYou® Points after spending $4,000 in the first 3 months of account opening, redeemable for $700 in gift cards or travel rewards at thankyou.com. Dollar Equivalent: $1,260 (70,000 Citi ThankYou® Points * 0.018 base)

$95 1X-10XPoints More Info

10x on Hotels, Car Rentals, and Attractions booked through CitiTravel.com 3x -- Earn 3 Points per $1 spent on Air Travel and Other Hotel Purchases 3x -- Earn 3 Points per $1 spent on Restaurants 3x -- Earn 3 Points per $1 spent on Supermarkets 3x -- Earn 3 Points per $1 spent on Gas and EV Charging Stations 1x -- Earn 1 Point per $1 spent on All Other Purchases

Citi Custom Cash® Card

$200Cash Bonus More Info

Earn $200 in cash back after you spend $1500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® points, which can be redeemed for $200 cash back.

$0 1% - 5%Cashback More Info

Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter. Also, earn unlimited 1% cash back on all other purchases. Special Travel Offer: Earn an additional 4% cash back on hotels, car rentals, and attractions booked on Citi Travel℠ portal through 6/30/2025.

Costco Anywhere Visa® Card by Citi

$0Cash Bonus $0 More info

Active Costco membership required

1% - 4%Cashback More Info

Earn 4% cash back on up to $7,000 in annual gas and EV charging purchases (and then 1% after), 3% back on restaurant and travel purchases, 2% back at Costco and Costco.com and 1% everywhere else.

Redeeming Rewards

The more you spend, the more ThankYou Points you earn toward travel, gift cards or other purchases from qualifying online merchants. Your ThankYou Points cover three main categories: purchases, statement credits and gas purchases. However, to get the most from your Citi Strata Premier℠ Card, consider transferring points to Citi's multiple airline partners.

Transferring Points

In many cases, the transfer ratio between travel partners is a 1:1 ratio. Depending on the airline partner, your points may transfer instantly or take upwards of 14 days.

Citi ThankYou hotel transfer partners are:

  • Choice Privileges
  • Wyndham Rewards
  • ALL-Accor Live Limitless

Citi ThankYou airline transfer partners include:

  • AeroMexico ClubPremier
  • Air France KLM Flying Blue
  • Avianca LifeMiles
  • Cathay Pacific Asia Miles
  • Emirates Skywards
  • Etihad Guest
  • EVA Air Infinity MileageLands
  • JetBlue
  • Jet Airways Inter Miles
  • Qantas Frequent Flyer
  • Qatar Privilege Club
  • Singapore Airlines KrisFlyer
  • Turkish Airlines Miles&Smiles
  • Virgin Atlantic FlyingClub
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Gift Cards and Shopping

ThankYou Points earned with your card can be redeemed in a variety of ways:

  • Online purchases: Use your points on Amazon purchases or apply your points when you shop with Paypal.
  • In-store purchases: Your ThankYou Points can be redeemed at CVS, Walmart and other qualifying merchants in stores when you pay with your card.
  • Gift cards: The points you’ve collected from past purchases can go toward redeeming gift cards for popular brands like Maggiano’s and Sephora.
  • Gas purchases: You can also redeem your ThankYou Points at participating gas stations, such as BP, Amco, and Shell.
  • Statement credits: Use your points to cover past purchases when you opt for a statement credit.

To shop with your points online, select from Citi’s participating online-partners list and link your ThankYou account. Then, browse through the partner websites and start shopping. According to Citi, you can specify the number of ThankYou Points you want to use for your purchase upon checkout.

Card Benefits and Perks

In addition to 3x ThankYou Points per dollar spent on travel, grocery stores, restaurants, and gas stations, the Citi Strata Premier℠ Card also offers cardholders ongoing benefits:

  • Annual hotel savings benefit: Customers have a chance to save on hotels with an offer of $100 in annual hotel savings. Just book a hotel stay of $500 or more through CitiTravel.com to earn the discount. According to Citi, this deal will be available once per calendar year.
  • No foreign transaction fees: You won’t have to deal with the hassle of any foreign transaction fees if you tend to splurge on gifts for loved ones back home during international travels.
  • Easy point transfer to airline partners: Fortunately, Citi makes it easy to transfer points to other airline loyalty programs, like JetBlue TrueBlue, Virgin Atlantic, Flying Club and Singapore Airlines KrisFlyer with no fee attached.
  • Citi Entertainment: You can get special access to tickets, including presale tickets and unique experiences, for concerts, sporting events, dining out and more through Citi Entertainment. Anytime you want to attend an event that is likely to sell out quickly, this can be a huge advantage.

Drawbacks

While the Citi Strata Premier℠ Card offers a lot of value, it does have a few drawbacks that you should know about before making any commitments.

  • Annual fee: The card comes with a $95 annual fee, which could offset some of the rewards you earn, particularly if you're not a heavy spender in its bonus categories.
  • High interest rates: Like many rewards cards, the Citi Strata Premier℠ Card has a relatively high APR. If you tend to carry a balance from month to month, the interest charges could outweigh the benefits of the rewards you earn.
  • Limited transfer partners: While Citi does have several airline and hotel transfer partners, they may not include all carriers you frequently fly with. This might restrict your redemption options.
  • Rewards structure may be complex: The card’s rewards structure may be a bit complex for people who prefer a straightforward program or a flat-rate cash-back card. Keeping track of earning rates for categories can be a bit of a hassle.

When deciding if the Citi Strata Premier℠ Card is right for you, think about how much you spend, how often you travel, and how much debt you have or plan to have.

Annual Fee

The Citi Strata Premier℠ Card has a $95 annual fee, which you can easily offset if you frequently spend in the bonus categories and earn enough rewards to compensate for that fee.

Other Fees

In addition to its annual cost, the card comes with a variety of fees for certain types of account activities. These include:

  • Late payment fee
  • Returned payment fee
  • Balance transfer fee
  • Cash advance fee

It's important to remember that you can avoid many of these charges by making on-time payments, not carrying a balance, and avoiding cash advances.

Recommended Credit Score

Citi doesn't publicly disclose the exact credit score you need to get approved for the Citi Strata Premier℠ Card. But it's advised to have a good to excellent credit score, which is typically a minimum FICO® Score between 670 and 700. 

Keep in mind that credit card issuers consider more than just your credit score when reviewing your application; they also look at factors like your income and your debt-to-income ratio. While a higher score doesn't guarantee approval, it certainly improves your chances.

How the Citi Strata Premier℠ Card Compares

If you're looking for a low-cost travel rewards credit card, there are alternatives to the Citi Strata Premier℠ Card that you may find more suitable.

Credit Card Intro Bonus Annual Fee Rewards Rate Learn More

Citi Strata Premier℠ Card

70,000Citi ThankYou® Points More Info

Earn 70,000 bonus ThankYou® Points after spending $4,000 in the first 3 months of account opening, redeemable for $700 in gift cards or travel rewards at thankyou.com. Dollar Equivalent: $1,260 (70,000 Citi ThankYou® Points * 0.018 base)

$95 1X-10XPoints More Info

10x on Hotels, Car Rentals, and Attractions booked through CitiTravel.com 3x -- Earn 3 Points per $1 spent on Air Travel and Other Hotel Purchases 3x -- Earn 3 Points per $1 spent on Restaurants 3x -- Earn 3 Points per $1 spent on Supermarkets 3x -- Earn 3 Points per $1 spent on Gas and EV Charging Stations 1x -- Earn 1 Point per $1 spent on All Other Purchases

Chase Sapphire Preferred®

60,000Chase Ultimate Rewards Points More Info

Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Travel℠. Dollar Equivalent: $1,380 (60,000 Chase Ultimate Rewards Points * 0.023 base)

$95 1x- 5xPoints More Info

Enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, $50 Annual Chase Travel Hotel Credit, plus more.

Product Image for Capital One Venture Rewards Credit Card

Capital One Venture Rewards Credit Card

75,000Capital One Rewards Miles More Info

You can earn 75,000 bonus miles after spending $4,000 on purchases within three months of account opening. Dollar Equivalent: $1,350 (75,000 Capital One Rewards Miles * 0.018 base)

$95 2 - 5 miles per dollarMiles More Info

The card offers a flat 2 miles per dollar on every purchase you make, every day, giving cardholders predictability and simplicity. You'll also earn 5 miles per dollar on all hotel and rental car purchases that you make with the card through Capital One's proprietary travel booking platform.

Citi Strata Premier℠ Card vs. Chase Sapphire Preferred® Card

The Citi Strata Premier℠ Card and the Chase Sapphire Preferred® are competing travel rewards cards that both have a $95 annual fee and no foreign transaction fees, making both a good choice for international travelers. But there are some differences between the two.

People who frequently spend money in a variety of categories, such as gas stations, airfare, hotels, restaurants and supermarkets, should consider getting the Citi Strata Premier℠ Card. It provides generous bonus points in these categories, making it a great option for people who prioritize these expenses. It offers a great deal of flexibility in how you can use earned rewards thanks to its extensive list of transfer partners and numerous flexible redemption options.

On the other hand, those who are just beginning their pursuit of travel rewards will do well with the Chase Sapphire Preferred®. It offers a sizable welcome bonus, generous dining and travel rewards, and points are worth 25% more when redeemed for travel. There are also robust options when transferring points to airline and hotel partners. The Chase Sapphire Preferred® is a good choice for travelers who can maximize rewards that are redeemed through Chase's travel portal.

Citi Strata Premier℠ Card vs. Capital One Venture Rewards Credit Card

Both the Capital One Venture Rewards Credit Card (Rates and Fees)and the Citi Strata Premier℠ Card are great options for travel rewards, but they each have particular advantages and features. For instance, the Capital One Venture Rewards Credit Card has a flat 2x miles per dollar on all purchases, which may be more appealing to those who prefer a straightforward rewards structure.

When it comes time to redeem those rewards, the value of ThankYou Points and Capital One Miles are fairly evenly matched. We've valued each card's rewards at 1.8 cents apiece.

But it's the Capital One Venture Rewards Credit Card's travel benefits that really stand out. Cardholders get a credit of up to $100 for TSA PreCheck® or Global Entry every four years when they pay the fee with their card.

The Citi Strata Premier℠ Card allows you to transfer points to various airline loyalty programs or redeem them for travel through the Citi ThankYou Travel Center. The Capital One Venture Rewards Credit Card also lets you transfer miles to multiple travel partners but offers the unique ability to use miles to "erase" travel purchases from your statement.

Both cards are well-suited for international travelers, as neither charges foreign transaction fees.

Who Is the Citi Strata Premier℠ Card Good for?

The Citi Strata Premier℠ Card is a good option for those who travel frequently, whether for business or pleasure. If you frequently spend on gas, airfare and hotels, you can benefit from the card's 3x points rewards categories. The fact that this card offers 3x points at restaurants also makes it handy for people who frequently dine out. 

The card is also useful for people who do a lot of grocery shopping, as extra points are available on supermarket purchases. It will also appeal to those seeking a sizable sign-up bonus and an annual hotel credit.

However, if you prefer cash-back rewards or simple, flat-rate rewards cards, the Citi Strata Premier℠ Card may not be a good fit. And if you don't want to pay an annual fee or plan to carry a balance from month to month, there are better credit cards on the market. Before selecting the best credit card for your needs, make sure to compare several options from different banks.

Editor's Pick

Ready to apply for the Citi Strata Premier℠ Card? Start here.

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Rates & Fees

FAQs

  • Adding a family member as an authorized user is the best way to get two Citi Strata Premier℠ Cards because it usually gives them access to their own card so they don't have to use yours. Other than that, Citi does have rules restricting multiple credit card applications. If you've opened or closed a card within the last 24 months, Citi typically won't let you sign up for it again and receive the bonus. But rules can change, and the bank will likely decide each application on a case-by-case basis.

  • Citi does not publicly disclose a specific minimum credit limit for the Citi Strata Premier℠ Card. However, it's common for premium rewards credit cards like the Citi Strata Premier℠ Card to start with a minimum credit limit of around $5,000. The credit limit you're ultimately given will depend on various factors, including your creditworthiness, income, and monthly debt.

  • The Citi Strata Premier℠ Card is a Mastercard. According to its website, Mastercard is accepted at over 60 million retailers in more than 210 countries. While there are some differences between Mastercard and Visa, for the most part, both are electronic payment solutions that provide a similar selection of basic features.

  • You can use Citi ThankYou Points by redeeming them for gift cards, cash back or statement credits, travel, shopping with retail partners, and making donations to charitable organizations. You can also transfer your ThankYou Points to any of Citi's multiple travel partners and then redeem them for flights and hotel stays. ThankYou Points are generally considered flexible and allow cardholders a variety of redemption options.

  • There are no foreign transaction fees with the Citi Strata Premier℠ Card. This means that you will not be charged an additional currency conversion fee when you use your card to make purchases outside of the U.S. You will be able to use your card without worry at over 60 million authorized retailers in any of the 210 countries that accept the Mastercard payment platform.

LP

Louie Patterson

Louie Patterson is a Finance Content Manager who specializes in banking topics such as account bonuses and CDs. With over seven years of professional editorial experience, their work has appeared in several publications, including USA Today and Consumer Affairs.