Citi Strata Premier® Card review
This card offers high rewards for everyday purchases like travel, gas, and restaurants, among other categories. Plus enjoy a generous welcome bonus and no foreign transaction fees.
Citi Strata Premier® Card
- Rewards
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- Welcome Bonus
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- Annual Fee
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Key Features
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- You can earn a significant bonus after meeting an initial spending requirement within the first few months of opening your account. These rewards are redeemable for various options like gift cards or travel through the program's website.
- You'll also earn an accelerated rewards rate on travel-related bookings made through the card's dedicated travel portal.
- Beyond that, you can get an enhanced rewards rate on air travel, other hotel purchases, dining, groceries, and at gas and electric vehicle charging stations. All other purchases will also earn rewards.
- While you can transfer your points to some airline loyalty programs, the list of options is short on domestic carries so cardholders who tend to fly within the United States might not be able to maximize the transferable points flexibility.
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discontinued_disclaimerCiti Strata Premier(SM) Card rewards
For a travel card that provides plenty of rewards for everyday purchases, consider adding the Citi Strata Premier℠ Card to your line-up of credit cards. Citi is a CardRatings advertiser.
Cardholders earn extra bonus points on spending in the following spending categories:
- 10X points per dollar spent on hotels, car rentals, and attractions booked on CitiTravel.com
- 3X points per dollar on air travel and other hotel purchases, at restaurants, supermarkets, gas and EV charging stations
- 1X point per dollar spent on all other purchases
The Citi Strata Premier(SM) Card offers a welcome bonus as well. Spend signup_bonus_spend_amount on purchases within three months of opening an account and receive signup_reward bonus points.
ThankYou® Points have multiple redemption options. You can redeem them for gift cards, travel, charity, or a statement credit. They can also be used to shop online at Amazon.com and BestBuy.com. Points can be transferred to partnering loyalty programs such as TrueBlue, Virgin Atlantic Flying Club and Singapore Airlines KrisFlyer, and there is no fee to transfer points. These transfers can be completed with as few as 1,000 points.
Citi Strata Premier(SM) Card benefits
While the opportunity to earn and redeem ThankYou® Points is one of the main benefits of the Citi Strata Premier℠ Card, it isn’t the only one. And allthough a travel rewards credit card, the Citi Strata Premier(SM) Card offers plenty of benefits for those who are staying close to home.
The card offers these extra perks, among others:
- A $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.
- Citi Entertainment® access which offers access to tickets for exclusive experiences.
- Citi Concierge, which provides 24/7 access to experts who can help with everything from finding an open pharmacy to providing ideas for activities.
- World Elite Mastercard Benefits, including a variety of valuable extras such as cell phone coverage, discounts on movies from Fandango and credits for rides on Lyft.
- Cardholders also receive a complimentary ShopRunner membership that offers free 2-day shipping from more than 100 online retailers.
Citi Strata Premier(SM) Card annual fee
The Citi Strata Premier℠ Card charges a AnnualFees annual fee. If you are a frequent traveler, the card’s $100 Annual Hotel Benefit can offset the cost, but even non-travelers may find the fee is worth the rewards potential.
Citi Strata Premier(SM) Card foreign transaction fee
Good news for international travelers: the Citi Strata Premier℠ Card doesn’t charge a foreign transaction fee. This also saves you money if you make online purchases in a foreign currency.
Potential downsides of the Citi Strata Premier(SM) Card
No card is perfect, and the Citi Strata Premier℠ Card lacks some of the bells and whistles you’ll find with other travel cards. You won’t get lounge access, free checked bags, or enhanced point values for travel redemptions. What’s more, the ThankYou® Points program doesn’t have any of the major domestic carriers among its partners. Still, the annual fee on this card is reasonable and in line with what you’d expect for the benefits offered.
How do cardholders rate the Citi Strata Premier(SM) Card?
CardRatings commissioned Dynata in November 2025 to survey 2,797 cardholders nationwide. Responses were given on a scale of 1-10 and respondents’ ratings were then averaged under broad topics. Here are the results for the Citi Strata Premier® Card:
| Value For Price | 7.19 |
| Features Satisfaction And Engagement | 7.77 |
| Competitive Edge | 7.59 |
| Customer Service | 8.07 |
| Overall Rating | 8.45 |
Survey results by question
Respondents rated their personal experience with the card_name, answering questions on a scale from 1-10. The results for a sampling of questions can be found below:
How the Citi Strata Premier(SM) Card compares to other cards
Is the Citi Strata Premier℠ Card a good card?
We think so, especially if you only travel occasionally. With the Citi Strata Premier℠ Card, you can earn points for travel by making every day purchases, but if a vacation isn’t in your future, the ThankYou® program offers flexible redemption options that allow you to use your points for gift cards, online shopping and more. That makes this card a good fit for just about anyone.
Frequently asked questions
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Our Methodology
Survey methodology: CardRatings commissioned Dynata in November 2025 to survey 2,797 cardholders nationwide. CardRatings' website analytics from Jan. 1, 2025, to Oct. 2, 2025 were used to determine a selection of the most popular cards. Respondents were asked a series of questions about specific characteristics of credit cards they used regularly, as well as for their overall rating of each card. Responses were sorted into categories: "Value for Price," "Features Satisfaction and Engagement," "Competitive Edge," and "Customer Service." Responses within each category were averaged to determine the score for that category. In addition, the overall ratings for each card were averaged. "Cardholder favorite" cards are those that scored in the top 10 overall. Card issuers cannot pay to be included on these lists or influence the order in which cards appear.
Disclaimer:The information in this article is believed to be accurate as of the date it was written. Please keep in mind that credit card offers change frequently. Therefore, we cannot guarantee the accuracy of the information in this article. Reasonable efforts are made to maintain accurate information. See the online credit card application for full terms and conditions on offers and rewards. Please verify all terms and conditions of any credit card prior to applying.
This content is not provided by any company mentioned in this article. Any opinions, analyses, reviews or recommendations expressed here are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by any such company. CardRatings.com does not review every company or every offer available on the market.
