Citi
Citi Strata Premier® Card
Key Features
| Annual Fee | $95.00 |
| Sign-up Bonus | 60,000 bonus points |
| Rewards Rate | 1x-10x Points |
| Regular APR | The variable APR for purchases, and balance transfers is 19.74% - 27.74%, based on your creditworthiness. For Citi Flex Plans subject to an APR, the variable APR is 19.74%-27.74%, based on creditworthiness. 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. |
| 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[1] |
| Network | Mastercard |
About this card
The Citi Strata Premier Card is an excellent credit card, earning a rating of 4.4, placing it firmly in the 'Excellent' category. Its strengths significantly outweigh its weaknesses, making it a highly competitive option for its target audience of travel and rewards enthusiasts. The card truly shines in its rewards program, earning an exceptional 4.8. It offers robust earning potential with 10x points on hotels, car rentals, and attractions booked via Citi Travel, and a strong 3x points on widespread categories like air travel, other hotels, restaurants, supermarkets, and gas/EV charging. The flexible ThankYou Points, especially with valuable transfer partners, unlock significant travel redemption value. The fees are also exceptionally well-structured (4.7), with the $95 annual fee being effectively nullified by the $100 annual hotel credit, and a crucial absence of foreign transaction fees. The card benefits from a very strong reputation (4.6) among financial experts and users alike, consistently appearing on 'best of' lists. The sign-up bonus (4.2) is generous and easily attainable, providing substantial initial value. The primary drawback is the APR (2.8), which is relatively high and lacks an introductory offer. However, for a rewards card designed for individuals who typically pay their balance in full to maximize benefits, the APR is less of a critical factor. The overall value proposition, combining strong earning rates, valuable perks, flexible redemption, and a reasonable fee structure for a major issuer, positions the Citi Strata Premier as a top-tier choice for those seeking to maximize travel rewards without a prohibitive annual fee.
Pros & Cons
What's great
- Generous sign-up bonus
- High rewards rate
- No foreign transaction fees
- Points transfer to travel partners
- Travel benefits and perks
- Flexible rewards redemption
Things to consider
- Annual fee applies
- No intro APR period
- High regular APR
- High balance transfer fee
What this card offers
Sign-up bonuses
- Earn 60,000 bonus points after spending $4,000 in the first 3 months2
Rewards
- 10 points per dollar spent on Hotels, Car Rentals and Attractions booked on cititravel.com2
- 3 points per dollar spent on Air Travel and Other Hotel Purchases2
- 3 points per dollar spent at Restaurants2
- 3 points per dollar spent at Supermarkets2
- 3 points per dollar spent on Gas & EV Charging Stations2
- 1 point per dollar spent on All Other Purchases2
Other features
- 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.2
- Use points to book flights, hotels, car rentals and experiences on cititravel.com
- Points transfer to American Airlines, JetBlue, Virgin Atlantic, Cathay, Eva Air, Choice Hotels, The Leading Hotels of the World® and others
- Use points at participating merchants like Amazon, PayPal, CVS and others
- Redeem your ThankYou® Points for gift cards to your favorite retailers and more at thankyou.com
- The Reserve by Citi Travel®
- Transfer your ThankYou® Points
- Travel protection benefits
- No foreign transaction fees[1]
- Shop safely with a contactless, chip-enabled card. Just tap your card on the payment reader and go in seconds.
- Digital wallets let you shop with confidence in millions of places online, within apps and in stores.
- Citi® Quick Lock
- Misplaced your card? Use Citi® Quick Lock in the Citi Mobile® App or at citi.com to instantly block new charges while allowing recurring transactions to continue without disruption.
- 24-hour fraud protection
- Citi will alert you if we see unusual activity on your account.
- Mastercard® ID Theft Protection
- The ID Theft Protection program offered by Mastercard® helps eliminate the worry of identity theft by monitoring the information you choose to protect and alerting you if suspicious activity is found. It takes just a few minutes to enroll for free, and as soon as you do, your monitoring begins. Visit mastercardidps.idprotectiononline.com to learn more.
- Automatic account alerts
- Stay updated on balance, payments and credit limits via email or text.
- Choose your payment due date
- Choose to pay your bill on any available due date in the beginning, middle or end of the month. Enjoy the flexibility of paying your full balance or just the minimum payment due each month.
- Paperless statements and e-communications
- Reduce clutter and get your statements and most legal notices online instead of in the mail.
- Add an Authorized User
- Add an Authorized User to your account at no additional cost and earn points faster. After all, the benefits of this card are so amazing they're worth sharing.
- 24/7 Customer Service
- To save time and manage your account from anywhere, download the Citi Mobile® App. You can handle most of your banking needs right from your phone, 24/7.
- Citi Mobile® App
- Manage your account when you want, where you want and the way you want. It's how Citi digital services help you get the most out of your time.
- Digital wallets let you shop with confidence in millions of places online, within apps and in stores. With digital wallets you can speed through checkout and continue to enjoy all the great benefits that come with your card. Learn how to get started and how digital wallets can help protect your card information at citi.com/digitalservices.
- Access FICO® Score
- Get free access to your FICO® Score online to review your credit history.
- Citi Entertainment® is an entertainment access program available to eligible Citi® credit card and Citibank® Debit Card customers. Citi cardmembers get special access to purchase tickets to thousands of events, including presale tickets and exclusive experiences to the year's most anticipated concerts, sporting events, arts and culture experiences.
- With Citi Travel®, you can book flights, hotels, car rentals and attractions using your eligible Citi card, points or a combination of both. Citi Travel offers access to over 1.4 million hotels and resorts available worldwide.
- Points transfer to American Airlines, JetBlue, Virgin Atlantic, Cathay, Eva Air, Choice Hotels, The Leading Hotels of the World® and others. The minimum transfer is only 1,000 points.
- Buy now, pay later with Citi® Flex Pay. Pay over time in fixed monthly payments and continue to earn points on purchases. Available on eligible purchases of $75 or more.2
Additional Notes
This offer may not be available if you leave this page. Offers may vary and this offer may not be available in other places where the card is offered. New account bonus offer is not available if you currently have or previously had a Citi Strata Premier® or a Citi Premier® account. You also may not be eligible for the new account bonus offer based on a number of factors, such as your history of opening, closing and using credit cards.