RedditOverview
Citi Strata Premier℠ Card, issued by our partner Citibank, is a consumer credit card that offers rich bonus and generous rewards on everyday purchases. It not only hands out a bounty of $750 value, which is among the best sign-up bonus rewards of any credit cards, but also offers cardholders 3 rewards points for each dollar spent in grocery, dining, travel, and gas. All of those spending categories are the most common purchases for consumers.
- For a limited time, earn 75,000 bonus ThankYou® Points after spending $4,000 in the first 3 months of account opening, redeemable for $750 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
Card Benefits
Sign-up Bonus
For a limited time, if you spend $4,000 or more in purchases on the credit card within your first 3 months of becoming a card member, you will receive a bonus of 75,000 points, which can be redeemed for $750 in cash rewards or gift cards at thankyou.com. Earning the bonus of $750 value is like receiving a 18.75% discount on your first $4,000 in purchases, which is an easy way to put more cash rewards back in your pocket. Those applicants who recently received a new account bonus for a Citi Premier or Citi Strata Premier Card account in the past 48 months will not be eligible for the 75,000 points bonus rewards.
How to Earn Rewards
You will earn 10 points per $1 spent on hotels, car rentals, and attractions booked on CitiTravel.com. You will also earn 3 ThankYou Points for every dollar you spend at supermarkets, restaurants, gas stations or EV charging stations, airlines, and other hotels. For every dollar you spend on all other purchases, you will also earn 1 point.
For instance, if you spend $5,000 on gas, $5,000 on dining out, $10,000 on groceries, $10,000 on travel, and $10,000 on everything else in a year, you will receive 100,000 ThankYou rewards points, redeemable for $1,000 in cash rewards. You can use our rewards calculator to find out how many rewards points you may receive.
| Spending Category | Spending | Rewards Points | Rewards Value |
|---|---|---|---|
| Gas | $5,000 | 15,000 | $150 |
| Groceries | $10,000 | 30,000 | $300 |
| Air Travel and Hotels | $10,000 | 30,000 | $300 |
| Dining at Restaurants | $5,000 | 15,000 | $150 |
| Everything Else | $10,000 | 10,000 | $100 |
| Total | $40,000 | 100,000 | $1,000 |
How to Redeem Rewards
Points can be redeemed for cash rewards or statement credit, gift cards, travel, or merchandise. Redemption for cash rewards starts at 500 points for $5. When you use points to redeem for gift cards, each point is worth 1 cent, which means that 100 points equals $1 in redemption value. Redemption for gift cards starts at 2,500 points for a $25 gift card. There are a wide variety of store gift cards that you can choose from at thankyou.com, such as Target, Home Depot, Lowe’s, Macy’s, GAP, Old Navy, Sephora, Legal Sea Foods, Red Lobster, Chili’s, etc. You can easily redeem points for gift cards of your favorite retail stores or restaurants.
$100 Annual Hotel Savings Benefit
Once per calendar year, the primary cardmember can book a hotel stay of $500 or more through CitiTravel.com and enjoy $100 off the hotel stay. To receive the $100 annual hotel savings, you must pre-pay for your complete stay with your Citi Strata Premier Card, ThankYou Points, or a combination thereof. If you choose to use the benefit, the $100 annual hotel savings will be applied at the time of hotel reservation.
Additional Information
Fees
This credit card has an annual fee of $95. It has no foreign transaction fees on purchases that you make in foreign countries.
Required Credit Rating
The Citi Strata Premier℠ Card is for people with good or excellent credit scores. If you have a FICO credit score of 700 or above, you may be eligible for the card offer.
Is this the right card for you?
If you are looking for a credit card with great bonus and rewards on everyday purchases, the Citi Strata Premier℠ Card is one of the best credit cards for that purpose. You can earn a generous bonus of 75,000 points points, redeemable for $750, and 3X rewards on purchases on some of your most frequent purchases such as grocery, dining, travel, gas. In addition, this credit card charges no foreign transaction fees. Although the Citi Strata Premier℠ Card has a moderate annual fee, its value has far outweighed the cost of the annual fee.
Similar Credit Cards with Bonus Rewards
If you are interested in the Citi Strata Premier℠ Card, you may also consider the following credit cards with similar benefits.
Credit Card Bonus valued at $500 or More
| Credit Card | Bonus | Annual Fee | |
|---|---|---|---|
 | Chase Sapphire Preferred® Card | 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. | $95 |
 | Chase Sapphire Reserve® | 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. | $550 |
 | The Platinum Card® from American Express | 80,000 Membership Rewards Points after you spend $8,000 on eligible purchases on your new Card in your first 6 months of Card Membership. | $695 rates & fees |
Credit Card Bonus valued at $250 or $300
| Credit Card | Bonus | Annual Fee | |
|---|---|---|---|
 | Blue Cash Preferred® Card from American Express | $250 statement credit after you spend $3,000 in eligible purchases on your new Card within the first 6 months. | $0 intro annual fee for the first year, then $95. rates & fees |
 | The American Express Blue Business Cash™ Card | $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months. | $0 rates & fees |
Credit Card Bonus valued at $200
| Credit Card | Bonus | Annual Fee | |
|---|---|---|---|
 | Wells Fargo Autograph℠ Card | 20,000 bonus points when you spend $1,000 in purchases in the first 3 months - that's a $200 cash redemption value. | $0 rates & fees |
 | Wells Fargo Active Cash® Card | $200 cash rewards bonus after spending $500 in purchases in the first 3 months. | $0 rates & fees |
 | Citi Rewards+® Card | 20,000 bonus points after you spend $1,500 in purchases with your card within 3 months of account opening; redeemable for $200 in gift cards at thankyou.com | $0 rates & fees |
 | Citi Custom Cash® Card | $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou Points, which can be redeemed for $200 cash back. | $0 rates & fees |
 | Citi Double Cash® Card | $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou Points, which can be redeemed for $200 cash back. | $0 rates & fees |
