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Boasting a portfolio of over 20 cards, Jarrod has been an expert in the points and miles space for over 6 years. He earns and redeems over 1 million points per year and his work has been featured in o...
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Citi Strata Premier℠ Card
U.P. Rating
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
4
75,000 points
$95
20.49% to 28.49% Variable APR
Citi Strata Premier℠ Card
U.P. Rating
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
4
Summary
The Citi Strata Premier℠ Card is a great all-around travel rewards card that allows you to earn big rewards on a variety of purchases like air travel, at restaurants, supermarkets, gas stations, and more, along with flexible redemption options, all for a modest annual fee.
Card Details
Card Snapshot
Welcome Bonus & Info
For a limited time: Earn 75,000 bonus points after spending $4,000 in the first 3 months of account opening, redeemable for $750 in gift cards or travel rewards on thankyou.com.
Earn 10X points per $1 spent on hotels, car rentals, and attractions booked on CitiTravel.com.
Earn 3X points per $1 on air travel and other hotel purchases, at restaurants, supermarkets, gas and EV charging stations.
Earn 1X 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.
Our seasoned and experienced team brings years of expertise in the credit card and travel sectors. Committed to integrity, we offer data-driven guides to help you find the card(s) that best fit your requirements. See details on our intensive editorial policies and card rating methodologies.
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Methodical “U.P. Rating
The U.P. Rating System
The ratings for these cards have been determined
by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards
as well as rates and fees are all taken into account. Compensation from the issuer does not affect
our rating. We only recommend products we either use ourselves or endorse.
” System
1087+ Expert Credit Card Guides
Great Card If
You spend a lot on purchases within the card bonus categories, like dining, supermarkets, and gas
You want a travel rewards card that offers access to transfer partners
Don’t Get If
You want a card that offers premium perks like airport lounge access
Your spending habits don’t match the card bonus categories
Citi Strata Premier℠ Card — Is It Worth It?
The Citi Strata Premier card is a fantastic option for those who are looking to rack up as many points as possible on their travel and daily expenses, and then want to redeem those points for top-notch travel experiences.
You’ll be hard-pressed to find a card that offers more bonus categories than the Citi Strata Premier card. This card allows you to earn 10x points on hotels, car rentals, and attractions booked through CitiTravel.com, along with 3x points on air travel, other hotel purchases, at restaurants, supermarkets, gas stations, and EV charging stations. This collection of bonus categories is sure to help you rack up points in no time.
Plus, the card offers flexible redemption options like access to Citi transfer partners, redeeming through Citi Travel, gift cards, cash-back, and more.
The Citi Strata Premier card might not be as popular as other top travel rewards cards, but here is why it has a permanent spot in Chris Hassan’s wallet:
The Citi Strata Premier card stays in my wallet because it deliveres outsized value, simple! The annual fee is a reasonable $95, but it earns me 3x points on air travel, hotels, at restaurants, at gas stations, and at supermarkets — and those bonus categories aren’t restricted to the U.S. Plus, it comes with new travel protections and even a $100 hotel credit. This card is a no-brainer!
Chris Hassan, social media and brand manager, Upgraded Points
Citi Strata Premier Card Top Benefits
Annual Hotel Savings Benefit
Once per calendar year, you can receive $100 off a hotel stay of $500 or more (excluding taxes and fees) when booked through CitiTravel.com. Assuming you plan to book at least 1 hotel stay of $500 or more each year and don’t mind doing so through Citi Travel, this $100 savings alone can help offset the full cost of the card’s annual fee. Plus, the benefit is applied instantly at the time of booking!
Travel Protection Benefits
Your card helps keep you covered when you are on the road as well, by offering perks like trip delay insurance, trip cancellation and interruption insurance, lost or damaged luggage insurance, and secondary rental car insurance.
Best Ways To Earn and Redeem Your Citi ThankYou Points
Naturally, the best way to earn as many points as possible with your Citi Strata Premier card is to use your new card for as many purchases as possible, especially on purchases that fall within one of the card’s many 3x and 10x bonus categories.
Once you have a large stash of Citi ThankYou Rewards Points, you have multiple options for redeeming them, such as through Citi Travel, cash-back, gift cards, or our favorite option, using Citi transfer partners like Air France-KLM, Avianca, Virgin Atlantic, and more.
Another excellent travel rewards credit card worth considering is the Chase Sapphire Preferred card. With it, you’ll earn 5x points on all travel booked through Chase Travel, 5x points on Lyft purchases (through March 31, 2025), 3x points on dining purchases, online grocery purchases, and select streaming services, and 2x points on all other travel worldwide.
The Capital One Venture cardInformation collected independently. Not reviewed by Capital One. is another compelling option, and better suited for those who prefer not to have to keep track of bonus categories as the card earns an uncapped 2x miles on all purchases, plus 5x miles on hotels, vacation rentals, and rental cars booked through Capital One Travel.
For Capital One products listed on this page, some of the benefits may be provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.
The information regarding the Capital One Venture Rewards Credit Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer. The information regarding the Capital One Venture X Rewards Credit Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer. The information regarding the Citi Strata Premier℠ Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer. The information regarding the Citi Premier® Card has expired and the card is no longer open to applicants. The information regarding the American Express® Green Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer. The information regarding the Citi Custom Cash® Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer. The information regarding the Citi® Diamond Preferred® Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer. The information regarding the Citi Double Cash® Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.
For rates and fees of the American Express® Gold Card, click here.
