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.
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Key Features
descriptionEditor Analysis:
- For a limited time, earn 75,000 bonus ThankYou® Points after spending $4,000 in the first three months of account opening, redeemable for $750 in gift cards or travel rewards at thankyou.com
- Earn 10X points per $1 spent on hotels, car rentals, and attractions booked on CitiTravel.com.
- Earn 3X points per $1 on air travel and other hotel purchases, at restaurants, supermarkets, gas and EV charging stations. Earn 1X point per $1 spent on all other purchases.
- 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.
card_name rewards
For a travel card that provides plenty of rewards for everyday purchases, consider adding the CardName 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 $1 spent on hotels, car rentals, and attractions booked on CitiTravel.com
- 3X points per $1 on air travel and other hotel purchases, at restaurants, supermarkets, gas and EV charging stations
- 1X point per $1 spent on all other purchases
The card_name offers a welcome bonus for a limited time as well. Spend $4,000 on purchases within three months of opening an account and receive 75,000 bonus points. That bonus has a $750 value when redeemed for gift cards or travel rewards at thankyou.com.
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.
card_name benefits
While the opportunity to earn and redeem ThankYou® Points is one of the main benefits of the CardName, it isn’t the only one. And although a travel rewards credit card, the card_name 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® 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 which include 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.
card_name annual fee
The CardName 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.
card_name foreign transaction fee
Good news for international travelers: the CardName 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 card_name
No card is perfect, and the CardName 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 card_name?
CardRatings conducts a survey annually to learn what actual cardholders think of their cards. Here are the results for the card_name:
| Current Scores | Past Scores | |
|---|---|---|
| Overall Score | 78.1 | 84.5 |
| Features Satisfaction | 7.6 | 8.3 |
| Customer Service | 7.9 | 8.5 |
| Website/App Usability | 7.9 | 8.5 |
| Likelihood of Continuing to Use | 8.2 | 8.6 |
| Recommend to a Friend/Colleague | 8 | 8.5 |
How the card_name compares to other cards
CardName vs. CardName
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If you like the idea of earning ThankYou® Points but aren’t thrilled about paying an annual fee, the CardName may be the card for you. The CardName doesn’t charge an annual fee but the downside is lower earning potential.
With CardName, cardholders earn two points per dollar spent on up to $6,000 in purchases at grocery stores and gas stations each year. After that, the card awards one point per dollar spent. All other purchases earn one point per dollar. Unlike the CardName, there are no bonus points for spending on travel or at restaurants.
However, the CardName does offer two nice perks not available on the CardName. With every purchase, reward points are rounded up to the nearest 10th. For example, if you make a purchase that would normally earn 66 points, you’d actually pocket 70. Plus, cardholders receive 10% of their points back upon redemption, valid for the first 100,000 points redeemed per year. That could mean an extra 10,000 points in your account with no additional spending required.
As for its welcome bonus, CardName awards 20,000 bonus points after spending $1,500 in three months. That’s obviously lower than the bonus of the CardName, but the spending requirement is significantly lower as well. The CardName also awards new cardholders five points per $1 spent on hotels, car rentals and attractions booked on CitiTravel.com through December 31, 2025.
CardName vs. card_name
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These two cards are pretty similar, except that one is issued by Citi and the other by Chase. The card_name offers 5X on travel purchased through Chase Travel℠; 3X on dining, select streaming services and online groceries; 2X on all other travel purchases; 1X on all other purchases: a $50 Annual Chase Travel Hotel Credit; plus more.
As far as welcome bonuses go, the card_name offers 60,000 bonus points after you spend $4,000 on purchases in the first three months from account opening. Points can also be transferred to a number of leading travel partners.
The card_name also charges a annual_fees annual fee.
Is the CardName a good card?
We think so, especially if you only travel occasionally. With the CardName, 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
Does the card_name have an annual fee?
What are the best card_name benefits?
How much is the card_name foreign transaction fee?
Our Methodology
Survey methodology: CardRatings commissioned Op4G in September 2023 to conduct surveys among 1,869 cardholders nationwide. CardRatings website analytics from Jan. 1, 2023-Aug. 31, 2023 were used to determine a selection of the most popular cards and additional cards were included to add survey breadth. Responses to each of nine questions were given on a scale of 1-10 and respondents’ scores were then averaged under broad topics. To determine the overall score, responses from questions 1-8 were summed and the answer to "How likely are you to recommend this card to a friend, coworker or family member?" was double weighted. Current Scores reflect scores from the most recent survey (2023); “Past Scores” reflect scores from the 2022 survey.
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.
