Citi
Citi Strata Premier® Card
Key Features
| Annual Fee | $95.00 |
| Regular APR | The variable APR for purchases, and balance transfers is 19.49% - 27.49%, based on your creditworthiness. For Citi Flex Plans subject to an APR, the variable APR is 19.49%-27.49%, based on creditworthiness. The variable APR for cash advances is 29.74%. 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. |
| Other Fees | Balance transfer fee — either $5 or 5% of the amount of each transfer, whichever is greater. Cash advance fee - either $10 or 5% of the amount of each cash advance, whichever is greater. Fee for foreign purchases - None. Minimum interest charge – $0.50. No Authorized User fee 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. |
| Network | Mastercard |
About this card
The Citi Strata Premier Card is a strong travel rewards card that offers excellent value for its target audience. Its strengths lie in its generous and diverse rewards categories (3x points on air travel, hotels, restaurants, supermarkets, and gas/EV charging), valuable sign-up bonus, and useful perks such as the $100 annual hotel benefit and no foreign transaction fees. The card also benefits from Citi's strong reputation and the flexibility of ThankYou points with transfer partners. While the card has an annual fee of $95 and a relatively high APR, the benefits and rewards earning potential outweigh these drawbacks for many users, especially those who pay their balance in full each month. The overwhelmingly positive reputation and consistent praise from financial experts and users further support a high overall rating. Given the card's strengths and minimal weaknesses, an overall rating of 4.1 is warranted.
Pros & Cons
What's great
- Generous sign-up bonus
- High rewards rate
- No foreign transaction fees
- Transfer partners
- $100 annual hotel benefit
Things to consider
- Annual fee
- High regular APR
- Balance transfer fee
What this card offers
Sign-up bonuses
- Earn 60,000 bonus points after spending $4,000 in the first 3 months
Rewards
- 10 points per dollar spent on Hotels, Car Rentals and Attractions booked on cititravel.com
- 3 points per dollar spent on Air Travel and Other Hotel Purchases
- 3 points per dollar spent at Restaurants
- 3 points per dollar spent at Supermarkets
- 3 points per dollar spent on Gas & EV Charging Stations
- 1 point per dollar spent on All Other Purchases
Other features
- $100 Annual Hotel Benefit
- Once per calendar year, enjoy $100 off a single hotel stay of $500 or more (excluding taxes and fees) when booked through cititravel.com or 1-833-737-1288. Benefit applied instantly at time of booking.
- No foreign transaction fees
- Tap your card with contactless pay
- Digital wallets
- Citi® Quick Lock
- 24-hour fraud protection
- Mastercard® ID Theft Protection
- Contactless pay
- Automatic account alerts
- Choose your payment due date
- Paperless statements and e-communications
- Add an Authorized User
- 24/7 Customer Service
- Citi Mobile® App
- Access FICO® Score
- Citi Entertainment®
- Citi Travel®
- Points transfer to JetBlue, Virgin Atlantic, Cathay Pacific, Eva Air, Choice Hotels, The Leading Hotels of the World® and others. There is no fee, and the minimum transfer is only 1,000 points.
- Citi® Flex Pay
- Travel protection benefits
- Trip Cancellation and Trip Interruption (Common Carrier)
- Trip Delay
- Lost or Damaged Luggage
- MasterRental Coverage (Car Rental)