Chip Lupo, Credit Card Writer
@CLoop
The biggest disadvantage of the Citi Strata Premier® Card is that it is available to people with at least good credit, which means the average person may struggle to qualify. There are a few other disadvantages of the Citi Strata Premier® Card to be aware of, too.
Citi Strata Premier® Card Disadvantages
- Requires high credit scores: The Citi Strata Premier® Card requires at least good credit for approval.
- Annual fee: The annual fee is $95.
- No 0% intro APR on purchases: The Citi Strata Premier® Card does not currently offer a 0% intro APR promotion on purchases, so it is not good for people looking to finance big purchases.
- No 0% intro balance transfer APR: There is no promotional 0% intro APR on balance transfers.
In addition, there are plenty of potential disadvantages applicable to all or most credit cards. Some examples are the hard credit pull that usually happens when you apply, interest charged on balances that are carried from month to month, and the potential to overspend.
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People also ask
What are the best Citi Strata Premier Card benefits?
The best Citi Strata Premier® Card Credit Card benefits are citi entertainment and travel insurance protection. These perks are certainly good to have, though it’s important to note that they're also relatively common credit card benefits.
Citi Strata Premier® Card Credit Card Benefits
- Citi Entertainment
- Travel insurance protection
- Rewards of 1 - 10 points per $1 on purchases
While these benefits aren’t bad, the Citi Strata Premier® Card Credit Card simply doesn’t have as many benefits as a lot of the other...
read full answer by Chip Lupo, Credit Card WriterWhat's the starting credit limit for the Citi Premier Card?
The Citi Strata Premier® Card credit limit is $2,000 or more. Everyone who gets approved for Citi Strata Premier® Card is guaranteed a credit limit of at least $2,000, and the most creditworthy applicants could get much higher limits. The higher an applicant’s credit score and income are, the higher the starting credit limit is likely to be.
The Citi Strata Premier® Card credit limit that you receive upon approval isn’t necessarily permanent. You can ask to get a credit limit increase by calling the Citibank customer service number...
read full answer by Maria Adams, Credit Cards ModeratorHow do I earn the Citi Premier card 60k bonus?
You can earn the Citi Strata Premier® Card card 60k bonus by spending $4,000 in the first 3 months of opening an account. With this card, you can also earn 10 points per $1 spent on hotels, car rentals and attractions booked on CitiTravel.com, 3 points per $1 spent on air travel, at hotels, restaurants, supermarkets, gas and EV charging stations, as well as 1 point per $1 on all other purchases. Citi Strata Premier® Card bonus points value varies, depending on how you redeem your rewards.
Things to Know About the Citi Strata Premier® Card Card Current Bonus
- Processing time: The bonus should post to your account within 8-10 weeks after you meet the spending requirement.
- Bonus eligibility: You’re eligible for the bonus...
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