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 definitely worth the $95 annual price? Under, we break down the necessary elements of the cardboard so you possibly can resolve whether it is for you.
Welcome supply
The Strata Premier is at present providing 60,000 bonus factors after spending $4,000 inside the first three months from account opening.
Citi ThankYou factors are price 1.9 cents every in response to TPG’s September 2025 valuations, making this bonus price $1,140.
We advocate making use of for the cardboard when the next welcome supply of at the least 70,000 factors is obtainable to maximise your preliminary funding in opening the cardboard and paying the annual price.
Earlier than making use of, take into account your eligibility as nicely. In keeping with Citi:
Bonus ThankYou® Factors will not be accessible when you acquired a brand new account bonus for a Citi Premier® or Citi Strata Premier® account prior to now 48 months or when you 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: Greatest methods to redeem Citi ThankYou Rewards factors
Stable factors incomes
When you ask individuals what they like in regards to the Strata Premier, the commonest reply is probably going that it earns factors in widespread spending classes.
Reward your inbox with the TPG Day by day e-newsletter
Be a part of over 700,000 readers for breaking information, in-depth guides and unique offers from TPG’s consultants
The cardboard earns 10 factors per greenback spent on sights, automotive leases and lodges booked via 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
- Gasoline 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 often makes use of his Strata Premier card to pay for fuel and groceries, which helps him accumulate ThankYou factors rapidly. 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, not like some playing cards that solely supply bonus factors on purchases inside the U.S.
Associated: Do you have to guide lodges via Citi Journey?
Switch companions
When figuring out if the Strata Premier’s $95 annual price is price it, take into account 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 price card to switch factors at a 1:1 ratio, making it a worthwhile funding.
Danyal is a large fan of the AAdvantage program, and the power to switch ThankYou factors to this system is sufficient cause for him to maintain paying the annual price yr after yr.
Resort credit score
As a cardholder, you will get an annual advantage of $100 off a single resort keep of $500 or extra (excluding taxes and charges) once you guide via Citi Journey.
Nevertheless, whereas this profit sounds promising and could be nice when staying at boutique, unbiased properties, it might not yield the $100 in financial savings you anticipate.
Earlier than making a resort reservation on Citi Journey, verify the worth of the resort when reserving immediately to check whether or not you are getting the perfect price. Citi Journey would not all the time have the bottom price, so your $100 low cost might not really be a strong deal.
Bookings via journey portals like Citi Journey usually do not earn resort factors or honor elite advantages, so issue that into the $100 low cost.
Associated: What it’s essential find out about direct versus third-party journey bookings
Journey and buy protections
The Strata Premier offers the next journey protections:
Further details about coverage limits and exclusions may be discovered right here.
Procuring protections embody:
World Elite Mastercard advantages
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 live shows, movie festivals, performances and exhibits.
Backside line
Because the resort profit might not present the complete $100 worth, whether or not the Strata Premier is price its $95 annual price will rely upon the factors you earn and the way you worth them.
When you can maximize the bonus classes and get good worth from Citi’s switch companions, chances are you’ll discover that to be a invaluable return nicely past the annual price. Nevertheless, if you would like extra tangible worth from assertion credit and different perks, you will doubtless need to go along with a totally different bank card, just like the extra premium Citi Strata Elite℠ Card (see charges and charges).
To study extra, learn our full overview of the Strata Premier.
Apply right here: Strata Premier
Supply hyperlink
