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Citi Strata Premier℠ Card
Citi Strata Premier℠ Card Review
The Citi Strata Premier℠ Card has everything you need in a travel rewards credit card with a generous rewards rate, a hefty sign up bonus, and flexible redemption options.
Our editors rate credit cards objectively based on the features the credit card offers consumers, the fees and interest rates, and how a credit card compares with other cards in its category. The ratings are the expert opinion of our editors, and not influenced by any remuneration this site receives from card issuers.
While this site receives compensation from companies listed here, this does not influence our ratings or reviews. Learn more here.
Citi Strata Premier℠ Card
SIGN-UP BONUS
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.
REWARDS RATE
10x on Hotels, Car Rentals, and Attractions booked through CitiTravel.com. Earn 3 Points per $1 spent on Air Travel and Other Hotel Purchases. Earn 3 Points per $1 spent on Restaurants. Earn 3 Points per $1 spent on Supermarkets. Earn 3 Points per $1 spent on 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. Travel insurance protection: Trip Cancellation and Trip Interruption (Common Carrier), Trip Delay, Lost or Damaged Luggage, MasterRental Coverage (Car Rental).
Purchase APR
20.24% - 28.24% (Variable)
Balance Transfer APR
20.24% - 28.24% (Variable)
Extra Perks
No Foreign Transaction Fees
Annual Fee
$95
Card Brand
Mastercard®
Recommended Credit Score
Good / ExcellentHighlights
- 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
- No Foreign Transaction Fees on purchases
Additional Info
Foreign Transaction Fee
0%
Balance Transfer Fee
Balance transfer fee applies with this offer; 5% of each balance transfer; $5 minimum.
Expert Review
Editor's Overall Rating
Our editors rate credit cards objectively based on the features the credit card offers consumers, the fees and interest rates, and how a credit card compares with other cards in its category. The ratings are the expert opinion of our editors, and not influenced by any remuneration this site receives from card issuers.
From the LendingTree editorial team, updated on Apr 04, 2025
The Citi Strata Premier℠ Card, from our partner Citi, is a well-rounded rewards credit card, especially for travel. This card offers one of the most generous rewards rates available: 10x on Hotels, Car Rentals, and Attractions booked through CitiTravel.com. Earn 3 Points per $1 spent on Air Travel and Other Hotel Purchases. Earn 3 Points per $1 spent on Restaurants. Earn 3 Points per $1 spent on Supermarkets. Earn 3 Points per $1 spent on 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. Travel insurance protection: Trip Cancellation and Trip Interruption (Common Carrier), Trip Delay, Lost or Damaged Luggage, MasterRental Coverage (Car Rental).
You can also take advantage of a pretty big welcome offer: 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.
Your ThankYou® Points have no expiration and there is no limit on the amount of points you can earn. Points can be redeemed in many ways including for travel rewards, gift cards and more. You even have the ability to transfer your points to a number of popular airline frequent flyer programs and hotel loyalty accounts! The annual fee is $95. If you enjoy overseas travel, you’ll be happy to know that there are no foreign transaction fees with this card.
The Good
- The Citi Strata Premier℠ Card has one of the most generous ongoing rewards programs available.
The Not So Good
- The spending threshold to earn the sign up bonus is a bit high.
The Bottom Line
The Citi Strata Premier℠ Card has everything you need in a travel rewards credit card with a generous rewards rate, a hefty sign up bonus, and flexible redemption options.
Editorial Note: This content is not provided by Citibank. Any opinions, analyses, reviews, or recommendations expressed on this page are those of the author’s alone, and may not have been reviewed, approved or otherwise endorsed by Citibank.
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Welcome Offer
Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months.
Rewards Rate
3% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases, then 1%. 3% Cash Back on U.S. online retail purchases, on up to $6,000 per year, then 1%. 3% Cash Back at U.S. gas stations, on up to $6,000 per year in purchases, then 1%. 1% cash back on other purchases. Terms apply.
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0% Intro APR
0% Intro APR for 15 months on purchases and balance transfers, then 18.24% - 27.24% Variable APR
Rewards Rate
5% cash back at different places each quarter up to the quarterly maximum when you activate. 1% unlimited cash back on all other purchases - automatically
Welcome Offer
Unlimited Cashback Match for all new cardmembers – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300.
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Rewards Rate
Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. To earn cash back, pay at least the minimum due on time. Plus, earn 5% total cash back on hotel, car rentals and attractions booked with Citi Travel.
Intro Balance Transfer APR
0% intro APR for 18 months on Balance Transfers
Regular Purchase & BT APR
18.24% - 28.24% (Variable)
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