Review
Citi Strata Premier® Card Review: Rewards Everyday Spending and Travel
Looking for a travel card that rewards everyday spending? The Citi Strata Premier® Card earns big points on travel, hotels, restaurants, and more, plus it has a valuable hotel benefit.
| 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. |
| Rewards Rate | 1x-10x points |
| Sign-up Bonus | 60,000 bonus points |
| 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. |
Overview
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
Benefits
Drawbacks
Decision Guidance
Summary
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...