The Citi Strata Premier® Card (see charges and charges) is Citi’s mid-tier journey card. The Strata Premier earns bonus factors on on a regular basis spending classes and unlocks full-value entry to switch companions.
However with so many different good choices, is the Strata Premier well worth the $95 annual payment? Under, we break down the essential points of the cardboard so you possibly can determine whether it is for you.
Welcome provide
The Strata Premier is presently providing 60,000 bonus factors after spending $4,000 throughout the first three months from account opening.
Citi ThankYou factors are price 1.9 cents every based on TPG’s September 2025 valuations, making this bonus price $1,140.
We advocate making use of for the cardboard when a increased welcome provide of at the very least 70,000 factors is out there to maximise your preliminary funding in opening the cardboard and paying the annual payment.
Earlier than making use of, think about your eligibility as nicely. In accordance with Citi:
Bonus ThankYou® Factors aren’t out there for those who obtained a brand new account bonus for a Citi Premier® or Citi Strata Premier® account up to now 48 months or for those who transformed one other Citi bank card account on which you earned a brand new account bonus within the final 48 months right into a Citi Premier® or Citi Strata Premier® account.
Associated: Finest methods to redeem Citi ThankYou Rewards factors
Strong factors incomes
If you happen to ask folks what they like in regards to the Strata Premier, the commonest reply is probably going that it earns factors in well-liked spending classes.
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The cardboard earns 10 factors per greenback spent on points of interest, automotive leases and accommodations booked by means of the Citi Journey portal.
As well as, the Strata Premier earns 3 factors per greenback spent within the following classes (no caps or annual limits):
- Air journey
- Electrical automobile charging stations
- Fuel stations
- Resorts (non-Citi Journey purchases)
- Eating places (together with takeout)
- Supermarkets
All different purchases earn 1 level per greenback spent.
TPG bank cards author Danyal Ahmed usually makes use of his Strata Premier card to pay for gasoline and groceries, which helps him accumulate ThankYou factors shortly. Incomes bonus factors on on a regular basis spending and Strata Premier’s spectacular switch companions motivated him to use for the cardboard.
Plus, the Strata Premier’s bonus classes apply worldwide, in contrast to some playing cards that solely provide bonus factors on purchases throughout the U.S.
Associated: Do you have to e book accommodations by means of Citi Journey?
Switch companions
When figuring out if the Strata Premier’s $95 annual payment is price it, think about which airline frequent flyer applications you possibly can entry. Citi has some nice switch companions like Qatar Airways Privilege Membership, Air France-KLM Flying Blue and Virgin Atlantic Flying Membership, however probably the most notable is the recently-added American Airways AAdvantage.
Though no-annual-fee Citi playing cards additionally switch to AAdvantage, the ratio is unfavorable at 1:0.7. The Strata Premier is probably the most inexpensive annual payment card to switch factors at a 1:1 ratio, making it a worthwhile funding.
Danyal is a big fan of the AAdvantage program, and the power to switch ThankYou factors to this system is sufficient motive for him to maintain paying the annual payment yr after yr.
Resort credit score
As a cardholder, you may get an annual good thing about $100 off a single lodge keep of $500 or extra (excluding taxes and charges) while you e book by means of Citi Journey.
Nonetheless, whereas this profit sounds promising and may be nice when staying at boutique, unbiased properties, it might not yield the $100 in financial savings you count on.
Earlier than making a lodge reservation on Citi Journey, examine the value of the lodge when reserving instantly to check whether or not you are getting the very best fee. Citi Journey would not at all times have the bottom fee, so your $100 low cost might not truly be a strong deal.
Bookings by means of journey portals like Citi Journey sometimes do not earn lodge factors or honor elite advantages, so issue that into the $100 low cost.
Associated: What you want to learn about direct versus third-party journey bookings
Journey and buy protections
The Strata Premier offers the next journey protections:
Extra details about coverage limits and exclusions will be discovered right here.
Purchasing protections embrace:
World Elite Mastercard advantages
As a World Elite Mastercard cardholder, you possibly can take pleasure in further perks like International Emergency Companies, a $5 Lyft credit score while you take at the very least three rides in a month (provide ends Jan. 31, 2026) and $10 off your second Instacart order every month, together with three months of complimentary Instacart+ (provide ends Jan. 31, 2027).
Leisure perks
Anybody with a Citi bank card, together with the Strata Premier, can entry Citi Leisure.
This offers entry to unique occasions and precedence entry for advance ticket gross sales to concert events, movie festivals, perfo
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