The Citi® Strata® Premier Card is a travel rewards credit card designed for individuals who want to earn points on everyday purchases while unlocking valuable travel benefits.
As part of Citi’s extensive portfolio of credit cards, this card allows users to earn Citi ThankYou® points that can be redeemed for travel, gift cards, and other rewards.
The Strata Premier card provides a combination of points on various categories, including dining, entertainment, and travel, making it an ideal option for those who want to maximize their rewards on a wide range of purchases.
The card also offers access to Citi’s travel benefits, which include opportunities to redeem points for flights, hotel stays, and even unique travel experiences.
Whether you are planning a getaway or looking for ways to save on everyday expenses, the Citi Strata Premier Card makes it easy to earn and redeem points, offering flexibility and excellent value.
About the Financial Institution: Citi
The Citi® Strata® Premier Card is issued by Citibank, one of the largest and most trusted financial institutions in the world.
Citi has been at the forefront of the credit card industry for decades, providing a wide variety of products designed to meet the needs of different types of consumers.
Citi offers everything from cashback and reward cards to premium travel credit cards like the Citi® Strata® Premier Card.
With a reputation for innovative financial services, Citibank provides customers with robust security features, advanced mobile banking solutions, and access to over 50,000 ATMs worldwide.
Citi is also known for its dedicated customer service, available 24/7, and its extensive online platform for managing credit card accounts, making it a reliable choice for cardholders.
Who is This Card For?
The Citi® Strata® Premier Card is best suited for:
- Frequent Travelers: Individuals who travel often will benefit from the travel-related rewards and perks offered by the card. With 2X points on travel-related purchases, it’s a great option for those who want to earn points for future trips.
- Dining and Entertainment Enthusiasts: The card offers 2X points on dining and entertainment purchases, making it perfect for individuals who spend on dining out, movies, concerts, or other leisure activities.
- Rewards Maximizers: People who want to earn and redeem ThankYou® points on everyday expenses, such as groceries, transportation, and travel.
- Budget-Conscious Consumers: Those looking to earn rewards without worrying about high annual fees will appreciate the low-cost structure of the Strata Premier Card, especially when compared to other travel reward cards.
- Occasional Travelers: Even for those who don’t travel frequently, the Citi® Strata® Premier Card can still be a great option, as the points can be redeemed for a wide range of products and services, not just travel.
Advantages of the Citi® Strata® Premier Card
- Generous Welcome Bonus: Earn a substantial ThankYou® points bonus after meeting the minimum spending requirement, which can be redeemed for flights, hotel stays, or other rewards.
- 2X Points on Travel and Dining: This card allows you to earn 2X points on purchases for dining, entertainment, and travel. These categories are some of the most common spending areas for many consumers, making it easy to rack up points quickly.
- No Foreign Transaction Fees: Use your card abroad without incurring additional fees on international purchases, making it a great option for travelers.
- 0% Introductory APR: Enjoy 0% introductory APR on purchases and balance transfers for the first 15 months after account opening, helping you save on interest while paying off your balance.
- Flexible Point Redemption: Points can be redeemed for travel through the Citi ThankYou® Rewards program, or for gift cards, cashback, and more.
Additional Benefits
- Exclusive Access to Events and Experiences: Citi offers exclusive access to events and experiences through the Citi Private Pass® program, giving cardholders the opportunity to attend concerts, dining events, and other exclusive experiences.
- Citi ThankYou® Rewards: The ThankYou® Rewards program allows you to redeem your points for travel, gift cards, or even as statement credits. The program gives you flexibility and a range of options when it comes to redeeming your points.
- Extended Warranty: As a cardholder, you can enjoy extended warranty protection on eligible purchases, offering additional peace of mind for big-ticket items.
- Access to Premium Travel Benefits: Cardholders also gain access to premium travel benefits such as travel insurance, car rental insurance, and more, helping you travel with added peace of mind.
Fees and charges
Late Payment: Up to $41;
Returned payment: Up to $41;
● APR: 20.24% - 28.24%;
● Balance Transfer Fee: either $5 or 5% of the amount of each transfer;
● Cash Advance: either $10 or 5% of the amount of each cash advance.
Expert review
The Citi® Strata® Premier Card is an excellent choice for those looking to earn valuable ThankYou® points on everyday purchases.
With 2X points on dining, entertainment, and travel, it provides a strong earning potential, especially for frequent travelers and dining enthusiasts.
The card also offers no foreign transaction fees, a generous welcome bonus, and a 0% introductory APR on purchases for the first 15 months.
With flexible redemption options and additional travel perks, it's a solid option for individuals who want rewards without a hefty annual fee.
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+Positive points
- 2X ThankYou® points on dining, entertainment, and travel purchases, maximizing rewards in these categories.
- Generous welcome bonus, giving new cardholders a significant boost in points after meeting the minimum spending requirement.
- No foreign transaction fees, making it a great choice for international travel.
- 0% introductory APR on purchases for the first 15 months, offering financial flexibility for large purchases.
- Flexible ThankYou® points redemption options, including travel, gift cards, and statement credits.
- Negative points
- There is an annual fee associated with the card, which may not appeal to those looking for a no-fee option.
- Points accumulation is limited to certain categories (dining, travel, and entertainment), meaning general spending will earn fewer points.
- APR after introductory period may be high, making it costly for those who carry a balance after the 15-month period ends.
