June 18, 2024

Rewards bank cards reward you for purchases you had deliberate to make anyway. No obscure bonus classes that trigger you to stray out of your common spending—and no enrollment required to activate the cardboard’s bonuses.

The Citi Strata Premier℠ Card is simply such a card. It’s designed for these with journey aspirations, however it’s a really pleasant card to your on a regular basis home spending as properly. Simply go about your enterprise and watch how shortly you accrue sufficient rewards for a free trip.

Citi Strata Premier℠ Card

Credit score rating wanted


TIME’s Take

The Citi Strata Premier℠ Card is a transferable rewards-earning machine. It’s one of many single greatest journey bank cards in the marketplace for on a regular basis spending, with an abnormally sensible assortment of bonus classes that match nearly any life-style.

Nevertheless, the cardboard’s $95 annual price (Charges & Charges) will eat into your yearly earnings a bit. And the cardboard’s egregious lack of journey insurance coverage means it’s removed from the best choice when reserving journey.

Execs and cons


  • Massive welcome bonus
  • Improbable incomes price for frequent purchases
  • Transferable rewards

Who’s the cardboard for?

First issues first: The Citi Strata Premier℠ Card is a journey bank card. It collects factors which can be greatest used free of charge journey. If journey doesn’t grace the highest of your listing of causes to open a bank card, you’re doubtless higher off opening a money again bank card as an alternative.

Past that, the Citi Strata Premier℠ Card is a match for many who spend quite a bit at eating places, supermarkets, and fuel stations. In different phrases, it’s a great match for nearly everybody. The cardboard earns 3 factors per greenback in frequent classes like these—which is considerably larger than regular.

Simply word the cardboard’s $95 annual price (Charges & Charges). A few of the greatest journey rewards bank cards incur that very same price, together with the card_name and the card_name. In case you’re going to pay that price, check out these playing cards to verify they aren’t a greater match.


Massive welcome bonus

When signing right here for the Citi Strata Premier℠ Card, you’ll bonus_miles_full.

Highly effective return price

The Citi Strata Premier℠ Card earns factors on the following charges:

  • 3 factors per greenback at eating places.
  • 3 factors per greenback at supermarkets.
  • 3 factors per greenback at fuel stations.
  • 3 factors per greenback for air journey.
  • 3 factors per greenback for resort bookings.

You’ll earn 1 level per greenback on all different eligible purchases.

Bills resembling eating, supermarkets, and fuel stations seize an enormous chunk of most budgets. A small household may fairly simply spend over $1,000 per 30 days on these obligations. In different phrases, you would simply accrue round 40,000 factors per 12 months for purchases you deliberate to make anyway.

Versatile rewards

The true magic of the Citi Strata Premier℠ Card lies in its factors redemption choices. You may redeem your factors as a press release credit score, direct deposit, or a mailed test at a price of 1 cent per level. This successfully turns the Citi Strata Premier℠ Card right into a money again bank card.

Money again is little doubt the best solution to redeem your rewards—however it’s not one of the best. In case you suppose you’ll redeem your factors for money again with regularity, it is best to take a look at our information to one of the best money again bank cards, as an alternative.

Citi ThankYou factors switch to 18 airline and resort loyalty packages with various switch ratios:

  • AeroMexico Membership Premier (1:1).
  • ALL-Accor Reside Limitless (2:1).
  • Avianca LifeMiles (1:1).
  • Cathay Pacific Asia Miles (1:1).
  • Alternative Privileges Rewards: (2:3).
  • Emirates Skywards (1:1).
  • Etihad Visitor (1:1).
  • EVA Air (1:1).
  • Flying Blue (Air France and KLM) (1:1).
  • JetBlue TrueBlue: (1:1).
  • Main Inns of the World (5:1).
  • Qantas Frequent Flyer (1:1).
  • Qatar Privilege Membership (1:1).
  • Singapore Airways Krisflyer (1:1).
  • Thai Air Royal Orchid Plus (1:1).
  • Turkish Airways Miles&Smiles (1:1).
  • Wyndham Rewards (1:1).
  • Virgin Atlantic (1:1).

Let’s take a look at a few examples of how to leverage these packages to get a worth better than 1 cent every:

  • Switch 40,000 factors to Avianca for a round-trip coach flight from the U.S. to Europe on United Airways.
  • Switch 40,000 factors to Turkish Airways for 2 round-trip home coach flights on United Airways.
  • Switch 85,000 factors to Qatar and pay simply $250 for a one-way enterprise class flight to the Maldives on Qatar Airways.
  • Switch 39,000 factors to Singapore Airways for a round-trip flight between the East Coast and Hawaii in coach on United Airways.

Relying in your origin airport, you would simply discover a worth over 2 cents per level for these journeys.

Yearly $100 resort low cost

The Citi Strata Premier℠ Card provides a $100 low cost on resort stays of $500+ (excluding taxes and charges) reserved by means of the Citi ThankYou journey portal. You need to use this perk as soon as per calendar 12 months. In case you’ll use it organically, this perk will fully offset the cardboard’s $95 annual price.

The wonderful print


The Citi Strata Premier℠ Card imposes an APR of reg_apr,reg_apr_type for each purchases and steadiness transfers. Put merely, you don’t wish to carry a steadiness month to month with this card (or any bank card, for that matter). In case you’re within the behavior of paying off your steadiness in full every month, these charges shouldn’t concern you.

Additionally, in case your cost is late or returned, you’ll be topic to a 29.99% (variable) APR—barely larger than the cardboard’s common rate of interest.

You’ll pay a money advance APR of cash_advance_apr. And since money advances start accruing curiosity instantly, you’re assured to pay it.

Different charges

The Citi Strata Premier℠ Card costs different frequent charges, resembling:

  • A $95 annual price. (Charges & Charges)
  • balance_transfer_fees.
  • cash_advance_fee.
  • late_payment_fee.

Being a travel-focused bank card, you gained’t pay international transaction charges for making purchases outdoors the U.S. with the Citi Strata Premier℠ Card.

Extra hidden perks

Buy safety

The Citi Strata Premier℠ Card is a good selection when deciding which card to make use of for an costly buy. You’ll get insurance coverage in the direction of eligible objects which can be misplaced or broken for as much as 90 days from the acquisition date. You may obtain as much as $10,000 in protection per incident, with a most of $50,000 per 12 months. It’s essential to use your card to make the acquisition.

Prolonged guarantee

For eligible objects, the Citi Strata Premier℠ Card provides 24 months to producer warranties of 5 years or much less. Once more, you need to use the cardboard to make your buy.

Citi Leisure

Citi Leisure provides you entry to presale for hard-to-get live performance tickets, sporting occasions, and extra. In case you routinely buy dwell leisure, this might are available very helpful.

What could possibly be improved

The Citi Strata Premier℠ Card has a obtrusive deficiency in a single division: journey insurance coverage.

The cardboard has no journey insurance coverage to talk of. Competing playing cards, such because the card_name, include glorious journey insurance coverage that activate just by utilizing them to pay to your journey. You’ll get journey delay insurance coverage, baggage delay insurance coverage, major rental automobile insurance coverage, and a number of other different coverages that may prevent actually hundreds of {dollars} on a single journey (ought to issues go incorrect).

The truth that a self-proclaimed journey bank card just like the Citi Strata Premier℠ Card doesn’t provide any protections is obtrusive.

Card options

Backside line

The Citi Strata Premier℠ Card is kind of probably probably the most balanced house/journey bank card on the market. Few playing cards provide award classes so good for on a regular basis spending whereas supplying you with the flexibility to switch these rewards to airways and motels for almost free journey.

Steadily requested questions (FAQs)

Is it exhausting to get the Citi Strata Premier℠ Card

It’s not exhausting to get the Citi Strata Premier℠ Card. These with good credit score (a rating of 670 or above) ought to qualify, although Citi seems to be at different elements, resembling debt-to-income ratio, when making their determination.

What’s the Citi Strata Premier℠ Card good for?

The Citi Strata Premier℠ Card is nice for incomes journey rewards. The factors you accrue will be transformed into 18 completely different airline and resort rewards currencies.

Does the Citi Strata Premier℠ Card have airport lounge entry?

No, the Citi Strata Premier℠ Card doesn’t have airport lounge entry.

How a lot is 60,000 Citi Strata Premier℠ Card factors value?

If in case you have 60,000 Citi ThankYou factors, they’re value $600 in money. However you possibly can squeeze exponentially extra worth in journey from them by transferring these factors to airline and resort loyalty packages.