![27 Valuable Benefits of the Citi Strata Premier Card [For Travelers]](https://upgradedpoints.com/wp-content/uploads/2022/09/Citi-Premier-Upgraded-Points-LLC-04-Large.jpg?auto=webp&disable=upscale&width=1200)
Christine ran her own business developing and managing insurance and financial services. This stoked a passion for points and miles and she now has over 2 dozen credit cards and creates in-depth, deta.
Updated: May 22, 2024, 9:21am CDT43 Published Articles 3380 Edited Articles
Countries Visited: 50 U.S. States Visited: 28
With years of experience in corporate marketing and as the executive director of the American Chamber of Commerce in Qatar, Keri is now editor-in-chief at UP, overseeing daily content operations and r.
Editor & Content Contributor
107 Published Articles 548 Edited Articles
Countries Visited: 4 U.S. States Visited: 23
A long-time points and miles student, Jessica is the former Personal Finance Managing Editor at U.S. News and World Report and is passionate about helping consumers fund their travels for as little ca.
We may be compensated when you click on product links, such as credit cards, from one or more of our advertising partners. Terms apply to the offers below. See our Advertising Policy for more about our partners, how we make money, and our rating methodology. Opinions and recommendations are ours alone.
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.
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.
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:
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
Welcome OfferFor a limited time: Earn 75,000 bonus points after spending $4,000 in the first 3 months of account opening, redeemable for $750 in gift cards or travel rewards on thankyou.com.
75,000 points UP's Bonus Valuation*: Annual Fee 21.24%- 29.24% Variable APR Why We Like This CardThe 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.
Pros & ConsPoints 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.)
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.
Whether you’re eating a late-night hamburger, a high-end dining experience, or lunch at an outdoor café, you’ll earn 3x points on dining.
Do you commute often? Use your Citi Strata Premier card to earn 3x points at gas and EV charging stations.
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.
Every purchase you make with your Citi Strata Premier card earns at least 1 ThankYou Point.
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.
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.
The Citi Strata Premier card comes with travel insurance and protections to help you travel with confidence:
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.
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.
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.
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.
Then scroll to the bottom of the page and click on Points Transfer.
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).
Your ThankYou Points are worth 1 cent each when redeemed for travel through CitiTravel.com.
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.
You can use points to cover charges on your statement, but you’ll only get 0.8 cents per point in value.
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.
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.
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.
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.
Receive special access to events, exclusive invitations, dining perks, ticket pre-sale privileges, preferred pricing, and more.
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:
Receive upgraded rooms, hotel amenities, credits to use during your stay, late checkout, complimentary breakfast, and more at over 2,000 luxury properties worldwide.
Receive up to 25% discount on premium flights with several airlines.
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.
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.
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.
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 Strata Premier℠ Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.
The information regarding the Citi Premier ® Card has expired and the card is no longer open to applicants.
Yes. If you’re spending money on travel and want a card that will earn on those purchases plus offer plenty of flexible redemption options, the Citi Strata Premier card is worth it.
With a nice welcome bonus offer after meeting a minimum spending requirement in the first 3 months after card approval and elevated earnings on travel, entertainment, and dining purchases, you can earn hundreds of dollars worth of travel in just the first year.
ThankYou Points are earned on purchases made with your Citi Strata Premier card.
Every purchase you make with your card earns at least 1 ThankYou Point per dollar spent. However, certain categories of purchases earn multiple ThankYou Points per dollar spent.
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.
The points you earn are deposited into your ThankYou account after each statement period. You can sign in to your Citi Premier account online and access your ThankYou account when you’re ready to redeem your points.
You can redeem your points for travel, gift cards, shopping, and more.
Yes, ThankYou Points are transferable to 14 airline partners and it’s an easy transaction.
Just log in to your Citi Strata Premier card account and select View/Redeem, then More ways to redeem. Then choose Points Transfer and you’ll see a list of all the available redemption options.
Prior to transferring your ThankYou Points, you’ll need to establish a frequent flyer account with the airline you’re transferring to. Make sure you’ve set one up in advance and have the account number handy.
Many transfers happen nearly instantly, others can take 1 to 2 days.
ThankYou Points vary in value depending on the redemption option, but they are generally worth between 1 and 5 cents per point.
For example, if you redeem your ThankYou Points for cash-back, you’ll receive just 1 cent per ThankYou Point.
If you transfer your ThankYou Points to airline partners, it’s possible to receive 2, 3, or more cents per point when redeeming for award flights.
A redemption that yields less than 1 cent per ThankYou Point is not a good value.
Was this page helpful?
Christine ran her own business developing and managing insurance and financial services. This stoked a passion for points and miles and she now has over 2 dozen credit cards and creates in-depth, detailed content for UP.
INSIDERS ONLY: UP PULSE ™
Get the latest travel tips, crucial news, flight & hotel deal alerts.
Plus — expert strategies to maximize your points & miles by joining our (free) newsletter.
We respect your privacy. This site is protected by reCAPTCHA. Google's privacy policy and terms of service apply.
Top Partner Offers
Our Selection Approach
LIMITED TIME OFFER!
Earn $900 Cash Back
BEST LOUNGE ACCESS
Earn 80,000 Points
Top Partner Offers - Our Selection Approach
At Upgraded Points, our team has rigorously evaluated nearly every travel and rewards credit card available for both consumers and businesses. Our recommendations are based on direct experience: we endorse cards that we’re currently using, cards we’ve used in the past and found valuable, or cards that we truly believe could offer real benefits to our readers.
Credit Card Reviews
Credit Card Comparisons
UP's Bonus Valuation
This bonus value is an estimated valuation calculated by UP after analyzing redemption options, transfer partners, award availability and how much UP would pay to buy these points.
Upgrade your travel experience
© 2024 Upgraded Points™, LLC. All Rights Reserved.
Disclaimer: Upgraded Points, LLC and its website, UpgradedPoints.com, provides information on credit cards, reward programs, travel information and ancillary information concerning travel and credit cards. The information provided is for informational purposes only and should not be considered financial, tax or legal advice.
Upgraded Points, LLC uses reasonable efforts to maintain accurate information on the site — and prior to applying for any credit card offers found on UpgradedPoints.com, all visitors should review other features of such credit cards including but not limited to interest rates, annual fees and transaction fees, and should determine the suitability of such credit cards considering their own individual financial position.
Advertiser Disclosure: Many of the credit card offers that appear on this site are from credit card companies from which we receive compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). This site does not include all credit card companies or all available credit card offers. For more information on our advertisers and how we make money, see our advertising policy here. In addition, as an Amazon Associate we earn from qualifying purchases.
Editorial Disclosure: The content featured on UpgradedPoints.com has not been influenced, provided, or reviewed by the credit card companies mentioned. Any and all options, reviews, comments and analyses are the responsibility of the author(s) and not any Advertiser or credit card issuer.
