The Citi Strata Premier is an intermediate-level card that is ideal for those looking for a variety of rewards, especially for traveling or covering daily expenses, such as food and fuel. Designed for people with a simpler profile, it offers average rates and is easy to apply for.
In addition, it comes with all the conveniences that Citigroup offers on its credit cards. That’s why it’s worth learning more about what this line can offer!
Citi Strata Premier Benefits and Rewards
The Citi Strata Premier is a card designed for travelers. It’s no wonder that its points program offers extremely high multipliers for expenses related to the category. Currently, customers earn 10 times more ThankYou Points for $1 on hotels, car rentals and attractions booked through the CitiTravel.com website.
In addition, it also has 3x ThankYou Points for US$1 on:
- air travel
- other hotels
- restaurants
- supermarkets
- gas stations and EV charging stations;
For other purchases, you receive 1 point for every dollar spent at any establishment or payment. There is no limit on points, and they do not expire. In other words, they can be used as long as the card is active.
In addition, it offers a Welcome Bonus of 75,000 points when you spend US$4,000 in 3 months, equivalent to up to US$750 on travel or redemptions. Annually, it also offers $100 in annual hotel credit, which can be increased to $500 on accommodations through CitiTravel.
The benefits package for travelers is extensive, with no international transaction fees and no conversion fees for purchases. It also offers travel protections for customers to have more peace of mind, covering cancellations, flight delays, baggage damage and discounts for car rentals.
Other advantages
Still thinking about travel advantages, the Citi Strata Premier offers the World Elite Mastercard, with a 24-hour concierge to assist travelers and other companions, if applicable. With monthly credits (such as Lyft and Peacock), it provides access to Priceless Experiences and Citi Entertainment, with presale and special access to shows, events and cultural experiences.
All of this with the basic benefits of the brand, with purchase protection, extended warranty and theft protection as part of the essential package of advantages. And for Citigroup customers, it is possible to transfer points to more than 15 airline and hotel partners.
Citi Strata Premier Interest and Fees
With such a robust set of advantages, the Citi Strata Premier has an annual fee of $95, distributed in monthly payments in the billing cycles. In addition, it does not include waived interest for new customers, with a variable APR of 20.24% to 28.24% on the first purchases.
On the other hand, it does not have an APR for purchases and transfers abroad. Cash advance and balance transfer fees in the US follow the market average, around 5%. However, these fees may vary, and it is important to check Citigroup’s current policy.
Who Can Apply for This Card?
The Citi Strata Premier is aimed at people with a good to excellent profile, with more than 670 points on the FICO score. In addition, it requires permanent residence and a valid SSN or ITIN.
In addition, the Welcome Bonus will not be available if you have received another Premier/Strata bonus in the last 48 months. However, in addition to these requirements, there is no minimum income requirement for the application, so different profiles can apply.
How to Apply for Your Citi Strata Premier?
If the card interests you, you can apply directly on the Citigroup website and check if there is a pre-approval in your name. This way, it does not impact your score with a hard inquiry.
In the meantime, fill in your personal, income and address details, as well as other relevant information for the analysis. The response usually comes quickly, and if approved, the virtual card number is available for immediate use.
In practice, the process is simple, and customers with a Citigroup checking account can also follow the step-by-step process via the app.
Is the Citi Strata Premier Worth It?
For frequent travelers and high-spending households, the Citi Strata Premier offers tremendous value. Its combination of generous rewards, broad category bonuses, travel protections, and hotel perks make it one of the most well-rounded cards in its class.
However, if you’re someone who rarely travels or prefers cashback to point systems, this may not be the most practical option.
But if your lifestyle includes booking trips, dining out, and making the most of everyday purchases, the Citi Strata Premier is a smart companion—providing both flexibility and strong return on spend.
All information in this and other BOISLA articles is subject to change over time. Please check for updates directly with the institutions and companies mentioned. Approval is subject to the institution’s review.
REFERENCES:
Read more about credit cards in https://boisla.com/category/credit-cards/
