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Citi Strata Premier® Card

Citi Strata Premier® Card

4.0WalletHub Rating

WalletHub Rating

4.0

This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Earn Rewards." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.

Editor’s Rating

4.6

User Reviews

3.9

Market Comparison

4.0

fees: 2.9

rewards: 3.8

cost: 4.7

Other Features: 0.0

Earn 60,000 bonus points

after spending $4,000 in the first 3 months of account opening, redeemable for $600 in gift cards or travel rewards at thankyou.com.

Apply Now

Annual Fee

$95

APR on Purchases

19.99% - 27.99% (V)

Balance Transfer

APR: 19.99% - 27.99% (V)

Balance Transfer Fee 5% (min $5)

Rewards

Earn 60,000 bonus ThankYou® Points after spending $4,000 in the first 3 months of account opening, redeemable for $600 in gift cards or travel rewards at thankyou.com.

Earn 10 Points per $1 spent on Hotels, Car Rentals, and Attractions booked on CitiTravel.com.

Earn 3 Points per $1 on Air Travel and Other Hotel Purchases, at Restaurants, Supermarkets, Gas and EV Charging Stations.

Earn 1 Point per $1 spent on all other purchases

$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. Benefit applied instantly at time of booking.

No expiration and no limit to the amount of points you can earn with this card

Citi Strata Premier® Card's Additional Info

No Foreign Transaction Fees on purchases

Apply Now

at Citibank's secure site

Editor's Review
Fact checked

John Kiernan

October 1st, 2025

Fact Checked by Alina Comoreanu

Senior Researcher

Citi Strata Premier® Card Pros & Cons

60,000 points initial bonus

High rewards rate

No foreign-transaction fees

$95 annual fee

No 0% intro rates

High regular APR

Citi Strata Premier® Card Review

What I Like About the Citi Strata Premier Card

Big initial bonus.

Citi Strata Premier shows its appreciation for new cardholders who spend at least $4,000 within 3 months of opening account by doling out a bonus of 60,000 points. That bounty is redeemable for $600 in gift cards or travel rewards at thankyou.com. It's one of the bigger initial bonuses available right now.

Excellent travel rewards.

Strata Premier gives 3 points per $1 spent on travel-related purchases. That includes airfare, hotel reservations, gas and travel agency purchases. That earning rate is roughly triple the market average for a rewards card. Plus, you can earn a total of 10 points per $1 spent on hotel stays, car rentals, and attractions booked on the Citi Travel portal.

On top of all the bonus points, you can get a $100 hotel credit if you book a stay for $500 or more (excluding taxes and fees) through Citi Travel. You can get that deal once per calendar year.

Solid rewards on food.

Citi Strata Premier provides triple the market average in rewards on dining at restaurants and supermarket purchases, giving 3 points per $1 spent. This makes it good for foodies and families alike.

Transferrable points.

Citi Strata Premier cardholders can transfer rewards points to some notable frequent flyer programs, including JetBlue’s TrueBlue and Virgin Atlantic Flying Club.

What I Don’t Like About the Citi Strata Premier Card

$95 annual fee.

At $95, the Citi Strata Premier Card’s annual fee is roughly 4 times higher than what the average credit card charges.

Standard base rewards rate.

You’ll get 1 point per $1 spent on purchases that aren’t in bonus categories. That’s normal for a card with extra rewards on certain purchases. But it could be better.

Limited redemption options.

You’ll only get 1 cent in value per 1 point redeemed when you trade in your earnings for gift cards or Citi Travel bookings. Other redemption options may not get you as much in return, and not everyone wants gift cards or is planning a trip.

Not built for carrying a balance.

Citi Strata Premier doesn’t offer 0% intro rates, so its high regular APR means you’re probably going to overpay on interest if you carry a balance from month to month.

Good credit required.

The Citi Strata Premier Card requires good credit or better for approval, so make sure to check your credit score for free here on WalletHub before applying.

Compare The Citi Strata Premier® Card vs. Popular Alternatives


4.0WalletHub Rating WalletHub Rating 4.0 This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Earn Rewards." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs. Editor’s Rating 4.6 User Reviews 3.9 Market Comparison 4.0 fees: 2.9 rewards: 3.8 cost: 4.7 Other Features: 0.0	4.6WalletHub Rating WalletHub Rating 4.6 This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Earn Rewards." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs. Editor’s Rating 5.0 User Reviews 3.9 Market Comparison 4.6 fees: 2.9 rewards: 4.7 cost: 5.0 Other Features: 5.0	4.5WalletHub Rating WalletHub Rating 4.5 This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Earn Rewards." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs. Editor’s Rating 5.0 User Reviews 3.8 Market Comparison 4.4 fees: 2.9 rewards: 4.8 cost: 5.0 Other Features: 0.0
(455)	(3,570)	(2,745)
annual fee$95	annual fee$95	annual fee$95
rewards rate 1 - 10 points / $1	rewards rate 1 - 5 points / $1	rewards rate 2 - 5 miles / $1
bonus offer 60,000 points	bonus offer 75,000 points	bonus offer 75,000 miles
Purchase Intro APRNot Offered	Purchase Intro APRNot Offered	Purchase Intro APRNot Offered
transfer intro aprNot Offered	transfer intro aprNot Offered	transfer intro aprNot Offered
Regular APR19.99% - 27.99% (V)	Regular APR19.99% - 28.24% (V)	Regular APR19.99% - 28.99% (V)
Add to Compare	Add to Compare	Add to Compare
Sponsored Apply Now Rates & Fees	Sponsored Apply Now Rates & Fees	Sponsored Apply Now Rates & Fees

Questions & Answers

Can't find what you are looking for? Submit your question about Citi Strata Premier® Card to our community. Editorial and user-generated content is not provided, reviewed or endorsed by the issuer of this offer. Please keep in mind that it is not a financial institution’s responsibility to ensure all posts and questions are answered.

Upvotes

What's the starting credit limit for the Citi Premier Card?

Maria Adams, Credit Cards Moderator

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 on the back of your card, but it's best not to ask more than once a year. Citibank will also evaluate your account periodically to determine whether you are eligible for a credit limit increase. Paying on time and keeping your credit utilization low are key for getting unsolicited credit line increases with Citibank.

Upvotes

How do I earn the Citi Premier card 60k bonus?

Bogdan Roberts, Credit Cards Moderator

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...

View more answers

Upvotes

How much is the Citi Premier foreign transaction fee?

Bogdan Roberts, Credit Cards Moderator

The Citi Strata Premier® Card foreign transaction fee is 0%. This means you won't be subject to an additional charge whenever you use the Citi Strata Premier® Card outside of the United States. Whether it's a purchase at a physical location in a foreign country or an online transaction through an internationally-based merchant, you won't have to pay extra.

To learn more, refer to our guide on foreign transaction fees and our editors' picks for the best credit cards without foreign fees.

Upvotes

Is Citi Strata Premier Card a Visa or Mastercard?

Maria Adams, Credit Cards Moderator

Citi Strata Premier® Card is a Mastercard. This means you can use your Citi Strata Premier® Card Card at nearly 11 million merchants that accept Mastercard nationwide. Plus, Mastercard is accepted in over 210 countries and territories.

There are a few differences between Visa and Mastercard credit cards, such as the level of benefits they offer, but those differences are relatively small. The two card networks have a lot in common, including extensive worldwide acceptance. As a result, it's more worthwhile...

Upvotes

What are the Citi Premier transfer partners?

WalletHub

The Citi Strata Premier® Card transfer partners are:

Aeromexico
Accor Live Limitless
Cathay Pacific
Avianca LifeMiles
Choice Privileges
Emirates Skywards
Etihad Airway Guest
EVA Air Infinity Mileage Lands
Flying Blue Air France KLM
Qantas Frequent Flyer
Qatar Airways Privilege Club
Singapore Airlines
Thai Airways Royal Orchid Plus
JetBlue TrueBlue
Turkish Airlines
Virgin Atlantic Flying Club
Wyndham Rewards
Shop Your...

Upvotes

How much is the Citi Premier Card annual fee?

Chip Lupo, Credit Card Writer

The Citi Strata Premier® Card annual fee is $95. The card's annual fee is higher than the average annual fee among new credit card offers right now. It's not the only fee you need to worry about with the Citi Strata Premier® Card, either.

Citi Strata Premier® Card Fees

Annual Fee: $95
Cash Advance Fee: 5% (min $10)
Foreign Transaction Fee: 0%
Balance Transfer Fee: 5% (min $5)
Max Late Fee: See Terms

Keep in...

Upvotes

What is the Citi Strata Premier Card credit score requirement?

WalletHub

The Citi Strata Premier® Card credit score requirement is good credit or better. That means we recommend a credit score of 700 or better to have a shot at getting approved for the Citi Strata Premier® Card.

Note that while your credit score is an important factor, there are plenty of other things that will impact your chances of being approved for the Citi Strata Premier® Card, too. Some other key criteria include your income, existing debt load, recent credit inquiries, number of...

Upvotes

How does the Citi Premier extended warranty protection work?

Maria Adams, Credit Cards Moderator

The Citi Strata Premier® Card extended warranty protection will lengthen the original manufacturer's warranty by up to 2 extra years for warranties of 7 years or less. The maximum coverage amount per item is $10,000.

Citi Strata Premier® Card Card extended warranty protection does not cover motorized vehicles, live animals, live plants, or used items, among other things. For more details on this perk's terms and conditions, refer to the guide to benefits that came with your Citi Strata Premier® Card Card or ask Citibank...

Upvotes

How do I get the Citi Strata Premier Card sign-up bonus?

Chip Lupo, Credit Card Writer

To get the Citi Strata Premier® Card sign-up bonus, new cardholders must spend $4,000 within the first 3 months of opening an account. The Citi Strata Premier® Card bonus is 60,000 points.

Keep in mind that you will not be eligible for this introductory bonus if you currently have the Citi Strata Premier® Card, regardless of whether you previously received the bonus. You also may not be eligible if you recently earned the bonus.

In addition to the sign-up bonus, the Citi Strata Premier® Card offers 1 - 10 points per $1...

Upvotes

Does Citi Premier have travel insurance?

WalletHub

Yes, the Citi Strata Premier® Card offers travel insurance protection for trip cancellation, trip interruption (Common Carrier), trip delay, lost and damaged luggage. The Citi Strata Premier® Card also offers benefits such as annual hotel savings benefit and no foreign-transaction fees. This is because the Citi Strata Premier® Card is made for people who want bonus rewards on travel, gas, dining and at supermarkets.

If you're looking for a travel credit card, check out WalletHub's editors' recommendations for the best credit cards for travel insurance...

Citi Strata Premier® Card Reviews

Share your insights and review for the Citi Strata Premier® Card

3.9

What's Your Rating?

Des
July 10, 2025 • @desiredalrymple

Horrible company! Always made my payments. Received a notice via email that they were lowering my credit limit from $4500 to $200 based on an Equifax report. Totally bogus! My credit rating is in the 700s. Predator company! I would NOT recommend!

Comment

Citi Sucks
January 12, 2025 • @CitiSucks

I applied to Citi for an airline miles offer. I had one in the past that I had closed, but when I saw a good offer, I reapplied. After being approved and fulfilling all the requirements for the miles, they informed me that I did not qualify because I had received miles on another card in the past 4 years. They did not disclose this information upfront. It was the worst experience. Awful company.

Comment

happymelody2022
December 24, 2024 • @happymelody2022

I would give them zero stars if that were an option. I applied and received immediate approval because I was attracted by the $700 bonus for $4,000 spending in the first 3 months. However, the card was blocked about 7-8 times due to suspicious activities, while all the activities were by me. They asked me to verify myself over and over again, seemingly to prevent me from meeting the spending target, so they wouldn't have to pay me the bonus rewards. Eventually, they sent me a letter with a code, asking me to read the code to them over the phone to unblock the card. After my card was unblocked, I immediately requested to cancel the card. After complicated communication with their overseas call center, the card was canceled. I paid them a $95 annual fee in the first statement payment and received zero rewards. What a big lesson! This card or this bank is deceptive. Imagine how much money they can make from customers like me.

Comment

brandi montana
November 14, 2024 • @brandimontana

I was $3 away from meeting the $4000 spending requirement in 3 months and didn't realize that I was $3 short. They denied me the 75,000 thank you points and did not waive the annual fee. This card does not care about their customers. Choose another card.

Comment

Bill Sloss
May 23, 2025 • @mtsloss_wm57

You didn’t pass go didn’t collect your bonus. Simple enuff

Comment

Medinatony900
December 18, 2023 • @Medinatony900

Overall, the best credit cards that I have started off with a $4200 limit. After having it for 4 months, they increased it to $5700. Thank you, Citibank. Keep up the hard work.

Comment

William
September 4, 2023 • @whuser16449284

Verified Customer

I'm wanting to put together a Citi trifecta for maximum rewards on all my day to day spending. They have a weird website and payment app which caused me to pay my first months bill twice over in the amount of $430. My balance was in the negative numbers by that amount. I called in for a refund which was granted right away. This card is my dedicated grocery card to get 5%. I combo what's in my wallet to collect more rewards in my day to day spending.

Comment

Hopefloatz2021
April 7, 2023 • @Hopefloatz2021

Fraudulent company and poor customer service. Despite earning over 200000 miles, my boyfriend could not use it, because the website kept telling him to verify his identity by calling customer service. Customer service is not 24 hours and difficult to catch if you work long hours and located in Hawaii.

My boyfriend called customer service several times, but was referred back to the website. He thought everything was taken cared of when he finally got a hold of a representative. However, he found out a few weeks after we returned from our trip that he was charged the full amount of the airfare (about $950) plus a fee to book the flight on the phone. The representative did not use his points as requested. He called to fix this mistake, but they said no and couldn’t do anything about it. Now customer service is telling him to call again and talk to another agent. Apparently, they recorded the conversation between the rep and my boyfriend. Towards the end of the recording, the rep asked if he could charge the fee and the airfare to his card after my boyfriend made it clear to use his points. I heard the conversation and it was clear that my boyfriend called to use his points. It was hard to understand the rep and he made it sound like it was only the booking fee that was going to be charged to his credit card. Why would he ask to charge his credit card the full amount towards the end of the transaction knowing that they already had an agreement to use my boyfriend’s points. Just like the other reviews here says, this card is a total scam. Stay away.

Comment

Ryan Honolulu
April 7, 2023 • @elenaclariza

Avoid this company at all cost. You will earn thousands of unused miles because they will do everything in their power to keep you from using them. For example, I couldn’t log in to their website because I needed to verify my account by calling customer service. Customer service is not 24 hours and hard to get a hold of. Hard to understand representatives would rather charge your credit card than use your miles. My credit card was charged even after I clearly told them I wanted to book a flight using my miles. They were extremely unhelpful after telling them about this mistake.

Comment

sarahspencer2007
February 27, 2023 • @sarahspencer2007

Truly the worst customer service. I've talked to three agents because they can't keep track of what they are doing. I was so glad to talk to an agent without a strong accent but they have not been helpful in the least.

Comment

Mike W
February 15, 2023 • @mdw1188

Steer clear. Don't expect the fraudulent Virginia Surety Company ever to take any of your rightful Purchase Protection Claims seriously; they will all be denied, with bogus terms and conditions invoked. Pay your annual fee to a company that is actually willing to allow you to use the services you are paying for.

Comment

Review Citi Strata Premier® Card

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Offer last updated: Oct 1st, 2025 at 13:52 ET

Citi Strata Premier® Card

Citi Strata Premier® Card

Credit Score

Annual Fee

APR on Purchases

Balance Transfer

Rewards

Citi Strata Premier® Card's Additional Info

Editor's ReviewFact checked

Citi Strata Premier® Card Pros & Cons

Citi Strata Premier® Card Review

What I Like About the Citi Strata Premier Card

Big initial bonus.

Excellent travel rewards.

Solid rewards on food.

Transferrable points.

What I Don’t Like About the Citi Strata Premier Card

$95 annual fee.

Standard base rewards rate.

Limited redemption options.

Not built for carrying a balance.

Good credit required.

Compare The Citi Strata Premier® Card vs. Popular Alternatives

Questions & Answers

2025 WalletHub Awards

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Citi Strata Premier® Card Reviews

What's Your Rating?

Important Disclosures

2025 WalletHub Awards

Related Credit Cards From Our Partners

Related Credit Card Categories

Editor's Review
Fact checked