The Citi Strata Premier℠ Credit Card is a high-value option for consumers looking for a versatile credit card that offers robust rewards, a low introductory APR, and premium travel benefits.
Whether you’re interested in earning points for future travel, enjoying great benefits, or managing your finances more effectively, this card is packed with features that can suit a variety of lifestyles.
In this article, we will explore the Citi Strata Premier℠ Credit Card in detail, covering its features, benefits, potential downsides, how to apply for it, and any associated costs.
Card Overview
The Citi Strata Premier℠ Credit Card is a rewards-focused credit card that stands out due to its generous earning potential on travel and dining purchases.
It offers a competitive rewards program, a sign-up bonus, and valuable travel protections.
This card is ideal for frequent travelers who want to maximize their spending on flights, hotels, and dining while earning points that can be redeemed for travel rewards, merchandise, or statement credits.
The card provides a range of travel-related perks, including access to the Citi ThankYou® Rewards Program, which allows you to earn points that can be transferred to airline partners or redeemed for a variety of travel options.
Additionally, the card comes with an introductory 0% APR on purchases and balance transfers for the first 15 months, providing financial flexibility.
Reasons to Choose the Card
The Citi Strata Premier℠ Credit Card offers several compelling reasons why it may be a great choice for consumers:
Generous Rewards Program:
Earn 3x points on travel and dining purchases.
Earn 2x points on entertainment and certain other purchases.
Earn 1x point on all other purchases.
This rewards structure makes it a great choice for those who frequently travel or dine out, allowing cardholders to accumulate points quickly and easily.
Sign-Up Bonus:
New cardholders can earn a generous sign-up bonus after spending a specified amount within the first 3 months of opening an account.
This bonus can be redeemed for travel, statement credits, or merchandise, providing a great way to boost your rewards balance right away.
0% APR Introductory Period:
The Citi Strata Premier℠ Credit Card offers a 0% introductory APR on purchases and balance transfers for the first 15 months, which can help you save on interest if you need to carry a balance during that time.
Access to Citi ThankYou® Rewards Program:
As a Citi cardholder, you gain access to the Citi ThankYou® Rewards Program, which allows you to redeem points for travel, gift cards, merchandise, or even transfer them to one of Citi’s airline partners for frequent flyer miles.
Travel Perks and Protection:
The card includes travel-related benefits, such as trip cancellation protection, travel accident insurance, and access to Citi’s 24/7 concierge service to help plan your trips.
Cardholders also have access to exclusive deals on hotels, car rentals, and other travel-related services.
No Foreign Transaction Fees:
For travelers, the Citi Strata Premier℠ Credit Card has no foreign transaction fees, making it a great option for international purchases.

Drawbacks of the Card
While the Citi Strata Premier℠ Credit Card offers many appealing features, there are some drawbacks to consider:
High Regular APR:
After the 0% introductory APR period ends, the regular APR for purchases and balance transfers will revert to a variable rate, which can range from 18.74% to 27.74%. If you carry a balance after the introductory period, the high APR could become costly.
Annual Fee:
The Citi Strata Premier℠ Credit Card has an annual fee of $95. While this fee is relatively low for a premium rewards card, it may not be worth it for consumers who don’t take full advantage of the card’s benefits or rewards program.
Limited Rewards Categories:
While the card offers excellent rewards on travel and dining, it does not have as many high-reward categories as other cards on the market, which may limit its appeal for consumers who want to earn rewards on a wider range of purchases.
What Are the Requirements to Apply?
To apply for the Citi Strata Premier℠ Credit Card, applicants must meet certain eligibility requirements:
Minimum Age of 18:
You must be at least 18 years old to apply for the card.
Good to Excellent Credit:
This card is designed for individuals with good to excellent credit scores, typically in the 700-850 range. The better your credit score, the higher the likelihood of approval and the better your terms will be.
Sufficient Income:
You will need to provide information regarding your income to ensure you can meet the card’s repayment obligations.
U.S. Residency:
Applicants must be U.S. residents and have a valid U.S. address.
The application process is straightforward and can be completed online.
Once you submit your application, you’ll typically receive a decision within a few minutes.
If additional information is required, the bank will reach out to you.
Fees and Costs
The Citi Strata Premier℠ Credit Card has a few fees and costs to keep in mind:
- Annual Fee: $95.
- APR: 0% introductory APR for the first 15 months on purchases and balance transfers. After that, the variable APR ranges from 18.74% to 27.74%.
- Balance Transfer Fee: 5% of the transferred amount (minimum $5).
- Cash Advance Fee: 5% of the withdrawn amount (minimum $10).
- Late Payment Fee: Up to $40.
- Foreign Transaction Fee: None, which is a big advantage for international travelers.
Frequently Asked Questions about the Card

1. What rewards can I earn with the Citi Strata Premier℠ Credit Card?
You can earn 3x points on travel and dining purchases, 2x points on entertainment and certain other purchases, and 1x point on all other purchases.
2. Does the card offer any travel-related benefits?
Yes, the card offers travel protection benefits such as trip cancellation protection, travel accident insurance, and access to exclusive travel deals. It also has no foreign transaction fees.
3. Is there a sign-up bonus with this card?
Yes, new cardholders can earn a sign-up bonus after meeting the required spending threshold within the first 3 months.
4. What is the APR on the Citi Strata Premier℠ Credit Card?
The introductory APR is 0% for the first 15 months on purchases and balance transfers. After that, the regular APR ranges from 18.74% to 27.74%.
5. Does the Citi Strata Premier℠ Credit Card have an annual fee?
Yes, the annual fee is $95, which is relatively low compared to other premium rewards cards.