27 Valuable Benefits of the New Citi Strata Premier Card [2024] (2024)

If you’re a frequent traveler and want the perks of a premium travel rewards card but not the high annual fee, consider the Citi Strata Premier℠ Card. If most of your spending is on travel, gas, entertainment, and dining, this card’s elevated earnings will make it easy to accumulate rewards quickly. Your points will also be easy to redeem with several flexible options, including travel.

Let’s jump into the long list of the Citi Strata Premier card’s benefits.

Lots of Ways To Earn ThankYou Rewards Points

The Citi Strata Premier card is perfect for travelers, as bonus-earning categories include common travel purchases such as hotels and airfare. Rewards are also valuable, as they are earned in the form of ThankYou Points, which have several flexible redemption options.

1. Receive a Generous Welcome Bonus

Meeting minimum spending requirements within the first 3 months after card approval can earn you a welcome bonus worth hundreds of dollars.

Current Welcome Bonus:

  • 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 thankyou.com


Citi Strata Premier℠ Card

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Citi Strata Premier℠ Card

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 thankyou.com

70,000 points



21.24% - 29.24% (Variable)

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 CitiTravel.com
  • 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 thankyou.com
  • Earn 10 points per $1 spent on Hotels, Car Rentals, and Attractions booked on CitiTravel.com.
  • 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 CitiTravel.com. 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)
  • Foreign Transaction Fees:None

2. Get 10x Points on Travel Purchases

Points will add up quickly as you earn 10x ThankYou Points on hotels and car rentals through CitiTravel.com.

This card also earns 3x points on airfare and all other hotel purchases (including through travel agencies.)

3. Earn 10x Points on Attractions

Cardholders can earn 10x points on attractions booked through CitiTravel.com. There are lots of options, including guided tours, museum admission, local attractions, transportation, and theme park tickets.

27 Valuable Benefits of the New Citi Strata Premier Card [2024] (2)

»Related:New Citi Strata Premier Card Is the Best for Theme Park Tickets — Here’s Why

4. Earn When Dining Out

Whether you’re eating a late-night hamburger, a high-end dining experience, or lunch at an outdoor café, you’ll earn 3xpoints on dining.

5. Fill up on Points With Gas and EV Charging

Do you commute often? Use your Citi Strata Premier card to earn 3x points at gas and EV charging stations.

6. Get 3x Points on Supermarket Purchases

If you’re like most people, supermarket purchases are a significant expense. By putting those purchases on your Citi Strata Premier card, you’ll earn 3x points.

7. Earn on All Other Purchases

Every purchase you make with your Citi Strata Premier card earns at least 1 ThankYou Point.

8. Earn Without Limits

Unlike some travel rewards cards that limit the amount of spending that earns elevated rewards in bonus categories, the Citi Strata Premier card has no such limit.

Bottom Line:

Frequent travelers will find the Citi Strata Premier card a good match as hotels, flights, rental cars, attractions, and purchases at gas and EV charging stations earn at least 3x ThankYou Points.

Travel Benefits and Protections

9. Save $100 on a Hotel Stay

Save $100 on a hotel stay booked through CitiTravel.com when the total cost, not including taxes and fees, is over $500. This benefit can be used once per calendar year.

10. Travel Protections

The Citi Strata Premier card comes with travel insurance and protections to help you travel with confidence:

  • Trip delay protection
  • Common carrier trip cancellation and interruption protection
  • Lost or damaged luggage
  • MasterRental coverage (car rental insurance)

11. No Foreign Transaction Fees

Take the Citi Strata Premier card along when you travel, as foreign purchases will not incur foreign transaction fees.

Hot Tip:

The Citi Strata Premier card has replaced the Citi Premier® Card, which is no longer available.

12. Add an Authorized User To Earn Even More

There is no cost to add an authorized user to your Citi Strata Premier card, and their purchases also earn ThankYou Points.

There are no fees to transfer ThankYou Points between accounts. You can send up to 100,000 points and receive 100,000 points in a calendar year. However, you should only share points when you have a specific redemption in mind because shared points expire 90 days after they are received.

27 Valuable Benefits of the New Citi Strata Premier Card [2024] (3)

Redeeming Your ThankYou Point Rewards

One reason ThankYou Points are so valuable is their flexibility. There are many ways to use ThankYou Points including transferring them to airline and hotel loyalty programs, purchasing travel, or redeeming them for merchandise, gift cards, or cash-back.

14. Transfer Points to Airline and Hotel Loyalty Programs

Transferring points to airline and hotel loyalty programs can result in great value for your ThankYou Points. To do so, log in to your online Citi Strata Premier account, click on View/Redeem, and then on More ways to redeem.

27 Valuable Benefits of the New Citi Strata Premier Card [2024] (4)

Then scroll to the bottom of the page and click on Points Transfer.

27 Valuable Benefits of the New Citi Strata Premier Card [2024] (5)

ThankYou Points transfer at the rate of 1:1 (with a 1,000 point minimum) for most transfer partners. Exceptions include Accor Live Limitless (1,000:500), Choice Privileges (1,000:2,000), and Leaders Club (1,000:200).

15. Redeem for Travel via the Citi ThankYou Travel Portal

Your ThankYou Points are worth 1 cent each when redeemed for travel through CitiTravel.com.

16. Transfer to Shop Your Way

Transferring your ThankYou Points to Shop Your Way points is a decent option that gives you 1 cent per point in value. A ThankYou Point is worth 10 Shop Your Way points.

17. Pay With Points

You can use points to cover charges on your statement, but you’ll only get 0.8 cents per point in value.

18. Redeem for Gift Cards

Generally, your ThankYou Points are worth 1 cent per point when redeeming for gift cards, which means 2,500 ThankYou Points will earn you $25 to one of the many retail partners.

19. Shop With Points

While redeeming your points for cash-back or merchandise is not the best value for your points, it’s an option if you need to do it. The value you’ll get varies based on the retailer, but it averages 0.8 cents per point.

27 Valuable Benefits of the New Citi Strata Premier Card [2024] (6)

20. Make a Charitable Donation

Redeem your ThankYou Points for a charitable donation to organizations including the American Red Cross, No Kid Hungry, Susan G. Komen, or Smile Train for a value of 1 cent per point.

Bottom Line:

While the value you receive for your ThankYou Points may vary, the flexibility to select the best redemption for your situation has tremendous value.

Recreation and Entertainment Benefits

21. Citi Concierge

With the Citi Strata Premier card, you’ll have access to an expert 24/7 with the Citi® Concierge dedicated phone line.Get help with travel, shopping, entertainment, and dining out. The concierge staff can help with concert tickets, dinner reservations, or planning your dream vacation with a simple phone call.

22. Citi Entertainment

Receive special access to events, exclusive invitations, dining perks, ticket pre-sale privileges, preferred pricing, and more.

World Elite Mastercard Benefits

Some of the benefits covered below are actually World Elite Mastercard benefits that come complimentary with the Citi Strata Premier card. The list of World Elite Mastercard benefits is lengthy, but here are some of the most notable:

23. Luxury Hotel and Resorts Benefits

Receive upgraded rooms, hotel amenities, credits to use during your stay, late checkout, complimentary breakfast, and more at over 2,000 luxury properties worldwide.

24. World Elite Air Program

Receive up to 25% discount on premium flights with several airlines.

25. Priceless Mastercard Golf Experiences

Receive special access to courses, even private courses, worldwide and be treated like a member. Enjoy select tee times, use of member facilities, discounted pricing, and more.

26. Purchase Protection

If you purchase an eligible item with your Citi Strata Premier card and it is damaged or stolen within 90 days of the purchase or delivery date, you could receive up to $10,000 per incident. The maximum purchase protection limit is $50,000 per calendar year.

27. Extended Warranty

It’s a mystery why items seem to break down just after the manufacturer’s warranty expires. This benefit extends the manufacturer’s warranty on eligible items for 24 months. It’s valid on items with a manufacturer’s warranty of 5 years or less, and coverage is limited to $10,000 per item.

Final Thoughts

The Citi Strata Premier card, with its low annual fee of $95, is a good alternative to high-end travel rewards cards. You won’t get complimentary lounge access or hotel elite status, but you don’t have to pay a high annual fee, either.

The card delivers a nice combination of bonus rewards earning opportunities for purchases travelers make most and plenty of flexible options to redeem those points for good value.

The information regarding the Citi Premier® Card has expired and the card is no longer open to applicants.

27 Valuable Benefits of the New Citi Strata Premier Card [2024] (2024)


27 Valuable Benefits of the New Citi Strata Premier Card [2024]? ›

With the Citi Strata Premier card, you'll earn 10x points on hotels, car rentals, and entertainment purchased through CitiTravel.com, 3x points on airfare and other hotel purchases, gas stations, dining, supermarket, and EV charging stations, and 1x points on all other purchases.

What is Citi Premier card best for? ›

The Citi Strata Premier℠ Card gives you the opportunity to maximize rewards by collecting lots of bonus points: 10X points on hotels, car rentals, and attractions booked through CitiTravel.com. 3X points on restaurants, supermarkets, at gas stations, for air travel, and other hotel purchases.

Is Citi Premier card hard to get? ›

The Citi Strata Premier℠ Card is relatively easy to get if you have good to excellent credit and can qualify for the minimum credit limit. Aim for a credit score above 670 before you apply.

Does Citi Premier credit card have lounge access? ›

The Citi Premier credit card earns up to 2 Citi reward Points per dollar on eligible spend and includes complimentary Priority PassTM membership with two airport lounge visits each year, plus the ability to earn Citi reward Points and redeem them for a statement credit or transfer them to participating partners.

What are the changes to the Citi Premier card? ›

The new card has two changes to its earning structure: New: 3 points per dollar spent at electronic vehicle charging stations. Extended: 10 points per dollar spent on hotels, car rentals and attractions booked through the Citi Travel portal.

Should I keep my Citi Premier Card? ›

The Citi Premier® Card is a great credit card for someone who wants to earn points useful for both international and domestic travel. Additionally, if you regularly make purchases in the bonus spending categories of the card such as groceries, restaurants, gas stations, it may be a valuable card to keep in your wallet.

Does Citi Premier Card pay for TSA PreCheck? ›

Club® membership. Global Entry or TSA PreCheck® application fee credit up to $100 every 4 years.

What is the most difficult Citi card to get? ›

The most difficult Citi card to get is the Costco Anywhere Visa® Card by Citi, since it's their only consumer card that requires excellent credit to qualify. You also need to join Costco if you're not already a member and earn enough income to afford monthly payments on the card.

What is the average credit limit on the Citi Premier card? ›

Here's the average credit limit of members who matched their Citi Strata Premier℠ Card or similar cards. The average credit limit for members who have matched with this card or similar cards is $13,627, with $5,000 being the most common.

What is Citi highest credit limit? ›

WalletHub, Financial Company

The Citi Double Cash® Card credit limit is between $500 and $50,000, with $500 being the default minimum credit limit and $50,000 being the highest limit reported by cardholders.

What airlines does Citi Premier card work with? ›

Citi transfer partners
  • Accor Live Limitless (ALL)
  • Aeromexico Club Premier.
  • Air France-KLM Flying Blue.
  • Avianca LifeMiles.
  • Cathay Pacific Asia Miles.
  • Choice Privileges.
  • Emirates Skywards.
  • Etihad Guest.
Mar 7, 2024

Does Citibank Premier PremierMiles have lounge access? ›

Citi PremierMiles Card Highlights

Up to 12 times complimentary access to airport lounges for every calendar year. Cardholders are required to spend HK$5,000 per head within 30 days after the date of each lounge visit.

Does Citi Premier have a concierge? ›

Citibank credit cards with the concierge benefit include: Citi Strata Premier℠ Card, Citi® / AAdvantage® Platinum Select® World Elite Mastercard®, Citi® / AAdvantage Business™ World Elite Mastercard®, Citi® / AAdvantage® Executive World Elite Mastercard®, and American Airlines AAdvantage® MileUp®.

What tier is Citi Premier card? ›

Citi is an advertising partner. Citi has rebranded its popular mid-tier Citi Premier® travel credit card as the Citi Strata Premier Card.

How do I waive my Citi Premier annual fee? ›

Citibank may waive your annual fee if you call and make a case for financial hardship. Citibank may waive the annual fee if you contact customer service at (800) 950-5114 and request a fee waiver.

Is Citi Premier a metal card? ›

The Citi Strata Premier℠ Card is not a metal credit card, as it is made of plastic like most other credit cards. There's no functional difference between a plastic card like the Citi Strata Premier℠ Card and a metal credit card, though, so don't dismiss the Citi Strata Premier℠ Card just because it isn't metal.

What is the income requirement for Citi Premier credit card? ›

Available to temporary residentsNo
Minimum income$75,000
Joint applicationNo

Is Premier Bank card a good card to have? ›

First Premier Bank credit cards are real credit cards for people with bad credit. Most First Premier credit cards are unsecured, which means they do not require a security deposit, but they tend to have high fees and interest rates.

What is the credit limit for Citi Premier Card? ›

Here's the average credit limit of members who matched their Citi Strata Premier℠ Card or similar cards. The average credit limit for members who have matched with this card or similar cards is $13,627, with $5,000 being the most common.

Is Citi Premier Miles card worth it? ›

The Citi PremierMiles Credit Card could be just what you need! For a joining and annual fee of ₹3,000, you'll get access to a range of benefits, including a welcome gift of 10,000 miles, free lounge access, dining discounts, insurance coverage, a reward rate of 1.8% and much more.


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