5 Reasons to Apply for the New Citi Strata Premier℠ Card (2024)

Citi recently launched the Citi Strata Premier℠ Card, a refresh of the Citi Premier® Card. The features haven't changed that much, to be honest. But the Citi Premier® Card was already one of the better travel credit cards, and Citi did make some worthwhile improvements to it.

Between the new and old benefits it offers, there's a lot to like about this card. Read on to see the top reasons to apply for it.

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Citi Strata Premier℠ Card

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5.00/5Our ratings are based on a 5 star scale.5 stars equals Best.4 stars equals Excellent.3 stars equals Good.2 stars equals Fair.1 star equals Poor.We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
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5.00/5Our ratings are based on a 5 star scale.5 stars equals Best.4 stars equals Excellent.3 stars equals Good.2 stars equals Fair.1 star equals Poor.We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
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5 Reasons to Apply for the New Citi Strata Premier℠ Card (43)5 Reasons to Apply for the New Citi Strata Premier℠ Card (44)5 Reasons to Apply for the New Citi Strata Premier℠ Card (45)5 Reasons to Apply for the New Citi Strata Premier℠ Card (46) = Excellent
5 Reasons to Apply for the New Citi Strata Premier℠ Card (47)5 Reasons to Apply for the New Citi Strata Premier℠ Card (48)5 Reasons to Apply for the New Citi Strata Premier℠ Card (49) = Good
5 Reasons to Apply for the New Citi Strata Premier℠ Card (50)5 Reasons to Apply for the New Citi Strata Premier℠ Card (51) = Fair
5 Reasons to Apply for the New Citi Strata Premier℠ Card (52) = Poor

Credit Score:Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Recommended Credit Score required for this offer is: Good/Excellent (670-850)

Poor

Fair

Good

Excellent

300-579

580-669

670-739

740-850

Credit ScoreFalling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Good/Excellent (670-850)

Intro APR

Purchases: N/A

Balance Transfers: N/A

Regular APR

21.24% - 29.24% (Variable)

Rewards10x 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.

1x - 10x points

Annual Fee

$95

Welcome OfferEarn 70,000 bonus ThankYou® Points after spending $4,000 in the first 3 months of account opening, redeemable for $700 in gift cards or travel rewards at thankyou.com.

70,000 ThankYou® Points

  • Citi Strata Premier offers 3X points on restaurants, supermarkets, at gas stations, for air travel, and other hotel purchases – a unique combination of bonus categories for a low annual fee card. It comes with a welcome bonus that's redeemable for $700 in gift cards or travel rewards, no foreign transaction fee, and access to Citi's ThankYou® Rewards program, a standout in the industry.Read Full Review

    • Big sign-up bonus
    • Annual hotel savings offer
    • Travel and dining rewards
    • Grocery and gas rewards
    • Flexible travel rewards points
    • Travel insurance protections
    • Annual fee
    • Earn 70,000 bonus ThankYou® Points after spending $4,000 in the first 3 months of account opening, redeemable for $700 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 andOther 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

1. A limited-time welcome offer of 70,000 ThankYou® Points

Citi may not have changed much with this refresh, but it did raise the welcome offer. You earn 70,000 ThankYou® Points after spending $4,000 on purchases in the first 3 months.

That alone is a good reason to open the Citi Strata Premier℠ Card. Rewards are worth $0.01 per point when used for travel bookings on thankyou.com. You can also get the same value if you redeem them for gift cards. At that value, 70,000 ThankYou® Points are worth $700.

2. Big gas and grocery rewards (3X points per $1)

I had the Citi Premier® Card, and one of my favorite perks with it was its gas and grocery rewards. Fortunately, the updated version still offers these benefits. The Citi Strata Premier℠ Card earns 3X points per $1 at supermarkets, gas stations, and EV charging stations (a new addition).

Those aren't the only places where it earns bonus points, either. Here's what it earns everywhere else:

  • 10X points per $1 on hotels, car rentals, and attractions booked through CitiTravel.com
  • 3X points per $1 on air travel, other hotel purchases, and restaurants
  • 1X point per $1 on other purchases

3. Transferable travel points

As I mentioned earlier, you can always redeem your Citi ThankYou points at $0.01 per point toward travel points on thankyou.com. This is a quick, convenient way to use your points.

But what I really love about Citi points is that they're transferable. Citi is partnered with over 15 airlines and hotels, and you can transfer your Citi points to any of them. Its travel partners include:

  • Avianca LifeMiles
  • Air France/KLM Flying Blue
  • JetBlue TrueBlue
  • Choice Privileges
  • Virgin Atlantic Flying Club

Most of Citi's airline partners are international airlines, so I wouldn't say it's the best for booking domestic flights. There are still ways you can do that, though. And if you want to travel abroad, Citi points can be extremely helpful. I've used my Citi points to book multiple business-class flights that would've cost me thousands of dollars in cash.

4. Travel protections

In a big change, Citi has brought back travel protections. It got rid of most of them several years ago, but the Citi Strata Premier℠ Card has:

  • Trip delay protection
  • Common carrier trip cancellation and interruption protection
  • Lost or damaged luggage protection
  • MasterRental Coverage (car rental insurance)

These may not be benefits you ever hope to use, but they're comforting to have. Many of the best credit cards offer them, so it's nice to see Citi do the same. If nothing else, they give you some peace of mind when booking travel or renting a car. And they could save you a lot of money if you ever experience a covered issue while traveling.

5. An affordable $95 annual fee

One thing that hasn't changed with the Citi Strata Premier℠ Card is the annual fee, which is still $95. It's not uncommon to see card issuers raise annual fees when they refresh their cards, so the fact that Citi didn't is good news.

Considering the benefits this Citi credit card has, the annual fee is more than fair. It's also worth mentioning the $100 annual hotel benefit. Once every calendar year, you can get $100 off a single hotel stay of $500 or more (excluding taxes and fees) when booked through CitiTravel.com. If you can use that, then you're already coming out ahead on the cost of the card.

While the Citi Strata Premier℠ Card isn't a huge update, it's still worth checking out for travel card enthusiasts. If you like the perks, it's open for applications.

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Citi Strata Premier℠ Card

Apply Now for Citi Strata Premier℠ Card

OnCiti'sSecure Website.

Rates & Fees 5 Reasons to Apply for the New Citi Strata Premier℠ Card (54)

Rating image, 5.00 out of 5 stars.5 Reasons to Apply for the New Citi Strata Premier℠ Card (56)5 Reasons to Apply for the New Citi Strata Premier℠ Card (57)5 Reasons to Apply for the New Citi Strata Premier℠ Card (58)5 Reasons to Apply for the New Citi Strata Premier℠ Card (59)5 Reasons to Apply for the New Citi Strata Premier℠ Card (60)5 Reasons to Apply for the New Citi Strata Premier℠ Card (61)5 Reasons to Apply for the New Citi Strata Premier℠ Card (62)5 Reasons to Apply for the New Citi Strata Premier℠ Card (63)5 Reasons to Apply for the New Citi Strata Premier℠ Card (64)5 Reasons to Apply for the New Citi Strata Premier℠ Card (65)

5.00/5Our ratings are based on a 5 star scale.5 stars equals Best.4 stars equals Excellent.3 stars equals Good.2 stars equals Fair.1 star equals Poor.We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
5 Reasons to Apply for the New Citi Strata Premier℠ Card (66)5 Reasons to Apply for the New Citi Strata Premier℠ Card (67)5 Reasons to Apply for the New Citi Strata Premier℠ Card (68)5 Reasons to Apply for the New Citi Strata Premier℠ Card (69)5 Reasons to Apply for the New Citi Strata Premier℠ Card (70) = Best
5 Reasons to Apply for the New Citi Strata Premier℠ Card (71)5 Reasons to Apply for the New Citi Strata Premier℠ Card (72)5 Reasons to Apply for the New Citi Strata Premier℠ Card (73)5 Reasons to Apply for the New Citi Strata Premier℠ Card (74) = Excellent
5 Reasons to Apply for the New Citi Strata Premier℠ Card (75)5 Reasons to Apply for the New Citi Strata Premier℠ Card (76)5 Reasons to Apply for the New Citi Strata Premier℠ Card (77) = Good
5 Reasons to Apply for the New Citi Strata Premier℠ Card (78)5 Reasons to Apply for the New Citi Strata Premier℠ Card (79) = Fair
5 Reasons to Apply for the New Citi Strata Premier℠ Card (80) = Poor

Rating image, 5.00 out of 5 stars.5 Reasons to Apply for the New Citi Strata Premier℠ Card (81)5 Reasons to Apply for the New Citi Strata Premier℠ Card (82)5 Reasons to Apply for the New Citi Strata Premier℠ Card (83)5 Reasons to Apply for the New Citi Strata Premier℠ Card (84)5 Reasons to Apply for the New Citi Strata Premier℠ Card (85)5 Reasons to Apply for the New Citi Strata Premier℠ Card (86)5 Reasons to Apply for the New Citi Strata Premier℠ Card (87)5 Reasons to Apply for the New Citi Strata Premier℠ Card (88)5 Reasons to Apply for the New Citi Strata Premier℠ Card (89)5 Reasons to Apply for the New Citi Strata Premier℠ Card (90)

5.00/5Our ratings are based on a 5 star scale.5 stars equals Best.4 stars equals Excellent.3 stars equals Good.2 stars equals Fair.1 star equals Poor.We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
5 Reasons to Apply for the New Citi Strata Premier℠ Card (91)5 Reasons to Apply for the New Citi Strata Premier℠ Card (92)5 Reasons to Apply for the New Citi Strata Premier℠ Card (93)5 Reasons to Apply for the New Citi Strata Premier℠ Card (94)5 Reasons to Apply for the New Citi Strata Premier℠ Card (95) = Best
5 Reasons to Apply for the New Citi Strata Premier℠ Card (96)5 Reasons to Apply for the New Citi Strata Premier℠ Card (97)5 Reasons to Apply for the New Citi Strata Premier℠ Card (98)5 Reasons to Apply for the New Citi Strata Premier℠ Card (99) = Excellent
5 Reasons to Apply for the New Citi Strata Premier℠ Card (100)5 Reasons to Apply for the New Citi Strata Premier℠ Card (101)5 Reasons to Apply for the New Citi Strata Premier℠ Card (102) = Good
5 Reasons to Apply for the New Citi Strata Premier℠ Card (103)5 Reasons to Apply for the New Citi Strata Premier℠ Card (104) = Fair
5 Reasons to Apply for the New Citi Strata Premier℠ Card (105) = Poor

Credit Score:Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Recommended Credit Score required for this offer is: Good/Excellent (670-850)

Poor

Fair

Good

Excellent

300-579

580-669

670-739

740-850

Apply Now for Citi Strata Premier℠ Card

OnCiti'sSecure Website.

Rates & Fees 5 Reasons to Apply for the New Citi Strata Premier℠ Card (106)

Credit ScoreFalling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Good/Excellent (670-850)

Intro APR

Purchases: N/A

Balance Transfers: N/A

Regular APR

21.24% - 29.24% (Variable)

Rewards10x 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.

1x - 10x points

Annual Fee

$95

Welcome OfferEarn 70,000 bonus ThankYou® Points after spending $4,000 in the first 3 months of account opening, redeemable for $700 in gift cards or travel rewards at thankyou.com.

70,000 ThankYou® Points

  • Citi Strata Premier offers 3X points on restaurants, supermarkets, at gas stations, for air travel, and other hotel purchases – a unique combination of bonus categories for a low annual fee card. It comes with a welcome bonus that's redeemable for $700 in gift cards or travel rewards, no foreign transaction fee, and access to Citi's ThankYou® Rewards program, a standout in the industry.Read Full Review

    • Big sign-up bonus
    • Annual hotel savings offer
    • Travel and dining rewards
    • Grocery and gas rewards
    • Flexible travel rewards points
    • Travel insurance protections
    • Annual fee
    • Earn 70,000 bonus ThankYou® Points after spending $4,000 in the first 3 months of account opening, redeemable for $700 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 andOther 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

Alert: our top-rated cash back card now has 0% intro APR until 2025

This credit card is not just good – it’s so exceptional that our experts use it personally. It features a lengthy 0% intro APR period, a cash back rate of up to 5%, and all somehow for no annual fee! Click here to read our full review for free and apply in just 2 minutes.

5 Reasons to Apply for the New Citi Strata Premier℠ Card (2024)

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