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Citi Strata Premier Card — Full Review [2024]

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Jarrod West
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Jarrod West

Senior Content Contributor

442 Published Articles 1 Edited Article

Countries Visited: 21U.S. States Visited: 24

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...
Edited by: Keri Stooksbury
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Keri Stooksbury

Editor-in-Chief

35 Published Articles 3236 Edited Articles

Countries Visited: 47U.S. States Visited: 28

With years of experience in corporate marketing and as the executive director of the American Chamber of Commerce in Qatar, Keri is now editor-in-chief at UP, overseeing daily content operations and r...

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Citi Strata Premier℠ Card

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.
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  • 70,000 points

  • $95

  • 21.24% - 29.24% (Variable)

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.
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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 Snapshot

Welcome Bonus & Info

  • 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 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

Pros

  • 10x points on hotels, car rentals, and attractions booked through CitiTravel.com
  • 3x points on air travel, other hotel purchases, restaurants, supermarkets, gas stations, and EV charging stations
  • $100 annual hotel benefit
  • Access to Citi transfer partners
  • No foreign transaction fees

Cons

  • $95 annual fee

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.

Hot Tip:

Learn more about how to earn Citi ThankYou Points and the best options for redeeming Citi ThankYou Points in our detailed guides.

Alternative Cards to the Citi Strata Premier Card

Chase Sapphire Preferred® Card

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.

Plus, the card offers access to the Chase transfer partners and includes perks like a $50 annual credit on hotel stays booked through Chase Travel, 10% annual bonus points, primary rental car insurance, and purchase protection.

Capital One Venture Rewards Credit Card

The Capital One Venture card 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 and rental cars booked through Capital One Travel.

It also offers access to the Capital One transfer partners, and perks like a Global Entry or TSA PreCheck credit, no foreign transaction fees (rates & fees), rental car insurance, and more.


For Capital One products listed on this page, some of the above benefits are 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 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.

Frequently Asked Questions

What are the benefits of the Citi Strata Premier card?

The benefits of the Citi Strata Premier card include its ability to earn 10x points on hotels, car rentals, and attractions booked through CitiTravel.com, plus 3x points on air travel, hotels, restaurants, supermarkets, gas stations, and EV charging stations. The card also offers a $100 annual hotel credit and travel protections like trip delay insurance and rental car insurance.

Is the Citi Strata Premier card worth it?

If you are looking for a great all-around travel rewards card that offers access to transfer partners with a relatively low annual fee, and if your spending habits match the card bonus categories, then yes, the Citi Strata Premier card would be very worth it for you.

Does the Citi Strata Premier card have foreign transaction fees?

No, the Citi Strata Premier card does not charge foreign transaction fees.

What credit score do you need to be approved for the Citi Strata Premier card?

No matter what your credit score is, there is no guarantee that you will be approved for the Citi Strata Premier card. Additionally, other factors besides your credit score are considered as well, like your income, recent credit inquiries, history with Citi, and more. That said, those with a credit score of 670 or higher should have strong approval odds.

Am I eligible for the welcome bonus on the Citi Strata Premier card if I had the Citi Premier card?

If you’ve received a new account bonus for the Citi Premier® Card in the last 48 months, you are not eligible for the welcome offer on the Citi Strata Premier card.

Jarrod West's image

About Jarrod West

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 outlets like The New York Times.

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