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21 Benefits of Adding Authorized Users to the Citi Strata Premier Card

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Stephen Au
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Stephen Au

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Stephen is an established voice in the credit card space, with over 70 to his name. His work has been in publications like The Washington Post, and his Au Points and Awards Consulting Services is used...
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The Citi Strata Premier℠ Card is a fan-favorite credit card in the frequent flyer landscape. In fact, it’s probably fair to say that this card is the flagship product in Citi’s credit card portfolio.

It has a generous variety of bonus categories where you can earn more rewards on a wider variety of purchases. Plus, it has an amazing welcome bonus that could translate to a couple of free flights!

And although the Citi Strata Premier card is somewhat light in some benefits compared to products from other competitors, you can rest assured that you’re getting some exceptional value from this card’s rewards structure.

You can even multiply your rewards by adding authorized users to this credit card. Let’s take a look at what you stand to gain from adding authorized users to the Citi Strata Premier card.

Citi Strata Premier Card Snapshot

The Citi Strata Premier card is, simply put, one of the best credit cards for rewards. In the below table, you’ll find an overview of the card’s current welcome bonus, relevant perks, and information about its fees and recommended credit criteria.

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.

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
70,000 points
21.24%- 29.24% Variable APR

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.

  • 10x points on hotels, car rentals, and attractions booked through
  • 3x points on air travel, other hotel purchases, restaurants, supermarkets, gas stations, and EV charging stations
  • $100 annual hotel benefit
    • $95 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
  • Earn 10 points per $1 spent on Hotels, Car Rentals, and Attractions booked on
  • 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 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
Financial Snapshot
  • APR: 21.24%- 29.24% Variable APR
  • Foreign Transaction Fees: None

What Is an Authorized User?

An authorized user is simply someone else who is added onto your credit card by you (the primary cardholder).

Typical authorized users include children, spouses, and other direct household members.

For example, the head of a household may apply for a Citi Strata Premier card and add his or her children as authorized users so they can make purchases under the same credit card.

As a reminder, while authorized users have their own card, the primary cardholder will still be wholly responsible for any charges or transactions made on the account.

Core Benefits of Adding an Authorized User to the Citi Strata Premier card

In general, there are a few reasons why you’d want to add authorized users to a credit card, whether or not it’s a Citi Strata Premier card.

1. Adding Authorized Users Is Complimentary

In this case, the Citi Strata Premier card allows you to add authorized users for no additional fee. While this isn’t always true (especially for ultra-premium cards where the annual fees are $450 or higher), the Citi Strata Premier card allows authorized user cards at no additional cost.

This is a great way to avoid lots of annual fees and unnecessary credit card applications.

2. Build Your Credit

If you’re a responsible parent planning ahead for your children (or if you want to boost your spouse’s credit health), a low-effort way to get started on that is to add these individuals as authorized users on your credit card.

For example, if you’ve already had this credit card for 5 years and have a perfect payment history, your authorized users can also inherit this positive credit history, which should boost their credit scores.

It’s always a good idea to add your children as authorized users as early as possible so that when they become of age to get their own credit cards, they already have excellent credit.

3. Integrate Finances

If you’re the type of person who wants to streamline your finances, having a bunch of credit cards can introduce more headaches.

This is especially true if you’re someone who takes budgeting seriously — if you want to paint a clear picture of where you’re spending your money every month, downloading billing statements and transaction histories from many different cards will be time-consuming and tedious.

By adding your household members as authorized users, you can bring all of the household’s transaction activity under 1 online account, dashboard, and credit card.

You can also control household activity, including setting spending limits, locking cards, and more.

4. Get Benefits

The other general reason why you’d add an authorized user to your account is to share the benefits with the other individual, whether it’s enhanced rewards, benefits, or protections.

And that’s exactly what we’ll focus on in the rest of this article, starting with what earning benefits authorized users get from the Citi Strata Premier card!

The Earning Benefits of Adding an Authorized User

5. Earn Your Welcome Bonus Faster

The Citi Strata Premier card typically comes with a substantial welcome bonus. On paper, these bonuses could be worth upward of $1,000, which presents a huge upside for new cardmembers.

And while the welcome bonus typically comes with an easy spending requirement, any additional spending that an authorized user makes will also count towards the welcome bonus.

So your authorized users could lend a helping hand in qualifying for the welcome bonus. For example, if the spending requirement is $4,000 in the first 3 months, combined spending of $3,000 from the primary cardholder and $2,000 from the authorized users in the first 3 months could be more than enough to earn that lovely welcome bonus.

Even better, authorized users are not precluded from earning their own welcome bonus on the Citi Strata Premier card in the future should they become primary cardholders on their own accounts.

6. Bonus Categories on Purchases

Citi Strata Premier Upgraded Points LLC 05 Large
Image Credit: Upgraded Points

The Citi Strata Premier card has a series of bonus categories. The good news is that the bonus categories extend to all authorized users, too.

Expect to earn up to 3x ThankYou Points on everyday purchases at restaurants, supermarkets, air travel, hotels, EV charging stations, and gas stations. Even better, you earn 10x points on hotels, car rentals, and attractions booked through

According to our valuations, Citi ThankYou Points are worth 1.6 cents each, which translates to a return on spending of 4.8% when earning 3x points.

7. Every Purchase Earns Rewards

All of your purchases earn ThankYou Points, even if they don’t fall under a special bonus category.

You’ll earn 1x ThankYou Point per dollar spent on other purchases, and best of all, purchases from authorized users count towards this!

Redeeming Rewards

8. Redeem Points for Authorized Users

One of the biggest reasons why you would want the Citi Strata Premier card is that it’s one of the only ways to access the ecosystem of Citi ThankYou Rewards, which is a flexible rewards currency similar to Chase Ultimate Rewards, Amex Membership Rewards, and Capital One Miles.

Your authorized users can access this same ecosystem of Citi ThankYou Rewards without needing to have their own Citi Strata Premier card.

To book award travel for your authorized user, simply find a transfer partner that allows you to book flights for others, transfer your ThankYou Points to this transfer partner, and book the travel in your authorized user’s name.

Bottom Line: Citi ThankYou Rewards does not allow transfers to frequent flyer programs directly in the name of an authorized user, so this workaround only works if the frequent flyer program allows award flights to be booked in someone else’s name.

9. Transferring Citi ThankYou Points to Another Citi ThankYou Card

If you, as the primary cardholder, decide that you want to transfer points to someone else, you can easily do so. This includes authorized users who might also have their own Citi ThankYou credit card.

Just remember that as soon as you transfer points to someone else’s Citi ThankYou card, there’s a clock that starts ticking — any transferred points will expire 90 days later with no way to extend it.

So in theory, if John Doe had an authorized user named Jane Smith who also had her own Citi ThankYou Rewards credit card, John Doe could transfer points to Jane Smith’s Citi ThankYou Rewards card. Then, Jane Smith could transfer those points to an airline or hotel partner within 90 days and book her own award travel directly.

Travel Benefits and Protections

With its new name, the Citi Strata Premier card‘s regained a healthy suite of travel protections few benefits, as well as retaining other travel benefits from its status as a World Elite Mastercard.

10. Access to Mastercard Luxury Hotels and Resorts

Thanks to the Citi Strata Premier card‘s status as a World Elite Mastercard, you also have access to Mastercard Luxury Hotels and Resorts, which affords you benefits at over 4,000 properties around the world (4-star and 5-star):

  • Complimentary daily breakfast for 2
  • Special amenities valued up to $100 per stay
  • Room upgrade at the time of arrival, subject to availability
  • Early check-in upon arrival, subject to availability
  • Late checkout, subject to availability

Authorized users can make these bookings, as well.

11. Access to the Citi Concierge

One of the benefits of the Citi Strata Premier card is the 24/7 access to the Citi Concierge.

This benefit allows you to get help arranging dinner reservations, planning a vacation, or snagging hard-to-get event tickets to concerts, sporting events, and more.

12. Access to Citi Entertainment

The Citi Entertainment portal allows you to find preferred pricing and access to exclusive events, whether it’s concert tickets, sporting events, or movie screenings.

This online marketplace is accessible to authorized users, too.

13. Car Rental Discounts

Through World Elite Mastercard, you can get discounts of up to 25% off and Avis Preferred Plus, National Emerald Club Executive, and SIXT Advantage Circle Platinum status.

This is a fantastic way to save a substantial amount of money if you book car rentals with any amount of regularity.

14. Travel Insurance

With the Citi Strata Premier card, you’ll be able to access travel accident insurance, which covers up to $1 million for accidental loss of life, 2 or more members, sight of both eyes, speech, and hearing, or any combination thereof.

There are many exclusions for this, and we hope that you’ll never have a need for this, but it’s available when you book travel using the Citi Strata Premier card.

Other travel protections include:

  • Up to $5,000 reimbursement per covered nonrefundable trip, up to $10,000 per account every 12 months
  • Up to $500 reimbursement for covered trip delays of 6 hours or more, up to twice per 12 months
  • Up to $3,000 reimbursement for lost or damaged checked or carry-on luggage per covered trip (or up to $2,000 per bag per covered trip for New York residents), up to 2 claims every 12 months

Hot Tip: Learn more about the valuable benefits of the Citi Strata Premier card in our detailed guide!

Shopping Benefits and Protections

15. Complimentary ShopRunner Membership

Although most people think of a complimentary ShopRunner membership as a benefit offered on select Amex cards, the Citi Strata Premier card actually offers the perk, too!

Thanks to its status as a World Elite Mastercard, the Citi Strata Premier card gets you free 2-day shipping and free return shipping at many stores, including Bloomingdale’s, Saks Fifth Avenue, Cole Haan, and more.

16. Complimentary Trial of DoorDash DashPass

DoorDash has a partnership with Mastercard to offer its World Elite Mastercard members 3 complimentary months of DashPass.

Also, if you enroll, you get $5 off your first order every month during your 3-month membership period through September 30, 2022.

17. Purchase Protection

The Citi Strata Premier card offers purchase protection by virtue of its World Elite Mastercard standing. If an item you purchased with your card or points is damaged or stolen within 90 days of purchase or delivery (whichever is first), you may be reimbursed for the amount paid, up to $10,000 per incident and $50,000 per year.

18. Extended Warranty

The extended warranty benefit on the Citi Strata Premier card could come in handy because it adds up to 24 months on top of your manufacturer’s warranty.

The warranty covers a reimbursement amount of up to $10,000, and the total coverage including the extended warranty is 7 years.

19. No Foreign Transaction Fees

The Citi Strata Premier card comes with no foreign transaction fees, which carries over to authorized users, too.

So if you spend $1,000 on food while abroad on vacation, you can save around $30 in foreign transaction fees and also earn 3,000 ThankYou Points!

20. Zero Liability Protection

On all Mastercard products, you’ll enjoy zero-liability protection against unauthorized purchases.

This applies to the primary cardholder, as well as authorized users.

21. Contactless Payments

Lastly, in today’s increasingly digital world, making payments without having to present your physical card could be a huge convenience.

With the Citi Strata Premier card, you can add your card to mobile wallets like Apple Pay and utilize contactless payments seamlessly, whether you’re the primary cardholder or the authorized user.

What Benefits Do Authorized Users Not Receive?

Authorized users enjoy almost all of the same benefits as the primary cardholder would with the Citi Strata Premier card, but there is 1 key benefit that authorized users don’t receive.

$100 Annual Hotel Savings Benefit

The Citi Strata Premier card offers an annual hotel savings benefit of up to $100 off of a single hotel stay of $500 or more (excluding all taxes and fees) when booked via

This benefit applies once per calendar year, and there is only 1 of these benefits offered to the primary cardholder.

Sure, authorized users can use the primary cardholder’s $100 benefit, but authorized users are not entitled to their own $100 benefit.

How To Add an Authorized User to the Citi Strata Premier Card

Adding an authorized user to your Citi Strata Premier card is super easy!

First, log in to your Citi online account. Then, in the top banner, you’ll see a menu. Hover over Services and click Credit Card Services.

Citi Premier card add authorized user
Image Credit: Citi

In the CARD MANAGEMENT box, click the button that says Authorized Users.

Citi Premier card add authorized user
Image Credit: Citi

After that, you’ll be prompted to fill out a form. Be sure that your Citi Strata Premier card account is selected and fill out the form.

Citi Premier card add authorized user
Image Credit: Citi

Toggle whether or not you’d like to allow authorized users to have online access to their Citi Strata Premier card account, and click Add.

Citi Premier card add authorized user
Image Credit: Citi

Your authorized user card should be delivered in 7 to 10 business days. Activate the new card, and you’re good to go!

Everything Else You Need To Know

Before you add an authorized user, you should keep in mind that an authorized user card can affect the authorized user’s approval odds for other credit cards.

For example, authorized user cards count toward Chase’s 5/24 rule, which could lead to an auto-decline when applying for a new Chase credit card.

Lastly, we wanted to reiterate that all charges made by the authorized user are the sole and complete responsibility of the primary cardholder, so you’ll only want to let trusted individuals become your authorized user.

Final Thoughts

All in all, it’s there are plenty of reasons why adding an authorized user to the Citi Strata Premier card could be beneficial.

To start, adding authorized users, in general, can help them build credit history and help you manage your personal finances more effectively.

Authorized users get pretty much all of the same benefits as the primary cardholder, save for the $100 annual hotel savings benefit.

But beyond that, authorized users will still earn 3x points on all of the same bonus categories, as well as those key benefits and protections surrounding travel and shopping.

Best of all, this comes without paying another annual fee, so it’s a no-brainer in our books.

The information regarding the Citi Strata Premier℠ Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.

Frequently Asked Questions

Does Citi report authorized users?

Yes, Citi reports authorized user accounts to the credit bureaus. Just keep this in mind when you’re thinking about adding an authorized user onto your credit card.

Do authorized users get their own card with Citi?

Yes, authorized users will get their own credit card in the mail within 7 to 10 business days of being added.

Does it help your credit if someone adds you as an authorized user?

It can certainly boost your credit if the card has a perfect payment history. But if the card has a long history of missed payments and delinquencies, it’ll probably hurt your credit.

How do you add authorized users on the Citi Strata Premier card?

Adding authorized users is easy. Just log in to your online account, navigate to the top menu and hover over Services. Then, click Credit Card Services, followed by Authorized Users. Fill out the authorized user form and click Add. After that, the new card will be shipped in 7 to 10 business days.

Stephen Au's image

About Stephen Au

Stephen is an established voice in the credit card space, with over 70 to his name. His work has been in publications like The Washington Post, and his Au Points and Awards Consulting Services is used by hundreds of clients.


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