Apply for the Citi Strata Premier Credit Card

Earn points and enjoy premium travel perks with the Citi Strata Premier℠ Card. A flexible choice for everyday spending. Read more!

Financial Analyst - Sarah Mitchell January 24, 2025 April 8, 2025

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.

Citi Strata Premier Credit Card

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.

How to apply for the card?

1. Understand the Requirements

Before beginning your application, make sure you meet the basic qualifications:

Credit Score: The Citi Strata Premier Credit Card is aimed at those with a good to excellent credit history. Ensure your credit score aligns with the card’s requirements.
Income Verification: Have your recent income details ready. The application may require proof of income to determine your eligibility.
Citizenship/Residency: Confirm that you meet Citi’s eligibility criteria regarding citizenship or residency status, as this can impact your application process.

2. Research Card Benefits and Terms

Rewards Program: Familiarize yourself with the rewards system, such as points for everyday spending, travel benefits, and other exclusive perks.
Fees and Rates: Review the annual fees, interest rates, and any other applicable charges. Understanding these elements will help you decide if the card fits your financial needs.
Special Offers: Citi sometimes provides promotional offers for new applicants, so be sure to check the official card page for any limited-time benefits.

3. Start Your Application Online

Visit Citi’s Official Website: Navigate to the official Citi website and locate the page for the Citi Strata Premier Credit Card.
Click “Apply Now”: Look for the “Apply Now” or “Get Started” button. This will take you to the online application form.
Complete the Application Form: Provide accurate personal information such as your full name, address, Social Security number (SSN), employment details, and income information. Make sure that all the data you enter is up-to-date and correct to avoid delays.

4. Review and Submit Your Application

Double-Check Your Information: Review all the information you’ve entered to ensure it is correct. Any errors can lead to processing delays or application denial.
Agree to the Terms: Read through the terms and conditions carefully. Once you’re comfortable with them, check the confirmation box to agree.
Submit the Application: Once everything is in order, click the submit button. Citi will then begin processing your application.

5. Monitor Your Application Status

Instant Decision: In many cases, you may receive an immediate decision. If your application requires further review, Citi may contact you for additional information.
Check Your Email and Account Portal: Stay updated by keeping an eye on your email inbox and checking the Citi application portal if available. This way, you won’t miss any important updates regarding your application status.

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.

About the author

Financial Analyst - Sarah Mitchell

Content producer

based finance expert focused on credit cards, personal budgeting, and smart money habits. She helps readers make informed financial decisions with clear, trustworthy advice tailored to everyday life.