Citi
Citi Strata Premier® Card
Key Features
| Annual Fee | $95.00 |
| Sign-up Bonus | Earn 60,000 bonus points |
| Rewards Rate | 1x-10x points on purchases |
| 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 | No Authorized User fee[1] 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. |
| 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
- Points transfer partners
- Annual travel credit
- Travel protection benefits
Things to consider
- Annual fee
- No intro APR period
- High regular APR
- High balance transfer fee
- Cash advance 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
- $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.2
- Citi Travel®
- 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
- Shop with points
- Use points at participating merchants like Amazon, PayPal, CVS and others
- Gift cards, cash back and more
- 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]
- Tap your card with contactless pay
- Shop safely with a contactless, chip-enabled card. Just tap your card on the payment reader and go in seconds.
- Digital wallets
- 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.
- Access FICO® Score
- Get free access to your FICO® Score online to review your credit history.
- Citi Entertainment®
- 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.
- Citi Travel®
- 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.
- Citi® Flex Pay
- 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
- Trip Cancellation and Trip Interruption (Common Carrier)
- Trip Delay
- Lost or Damaged Luggage
- MasterRental Coverage (Car Rental)
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. Bonus ThankYou® Points are not available if you received a new account bonus for a Citi Premier® or Citi Strata Premier® account in the past 48 months or if you converted another Citi credit card account on which you earned a new account bonus in the last 48 months into a Citi Premier® or Citi Strata Premier® account. New cardmembers only. Subject to credit approval. Additional limitations, terms and conditions apply. You will be given further information when you apply.