Strata Premier®: Elevated Rewards Across Travel and Everyday Spending
Earn elevated rewards on travel, dining, groceries, and gas/EV charging, with the ability to transfer points to airline and hotel partners for greater potential value.
The Bottom Line
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fees, welcome offers, 0% intro APR, ongoing APR, perks, benefits, and protections.
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Citi Strata Premier® is a strong option if you want to earn high rewards across everyday categories like travel, dining, groceries, and gas/EV charging. It works well for people who want solid points earnings without juggling rotating categories. The card becomes especially valuable if you plan to transfer points to airline or hotel partners for travel. However, it’s less appealing if you prefer simple cashback or don’t want to think about point redemptions. If you want broad bonus categories and flexible travel rewards for a reasonable annual fee, this card is worth considering.
Strata Premier®
Apply now
On Citi's Secure Website
Annual fee:
$95
Intro APR
Purchases: N/A
Balance Transfers: N/A
Regular APR
19.49% - 27.49% Variable APR
Buy Now, Pay Later Make equal monthly payments on purchases of $75 or more. No interest, just a fixed monthly fee. The plan availability is up to the bank's discretion.
Citi Flex Plan
Credit Score
670-850 (Good/Excellent)
Rewards Earn 10x points on hotels, car rentals, and attractions booked through Citi Travel®. Additionally, earn 3x points on air travel and other hotel purchases. Plus, earn 3x points at restaurants, supermarkets, gas & EV charging stations, and 1x point on all other purchases.
1x - 10x Points
Welcome Offer Earn 60,000 bonus points after spending $4,000 in the first three months.
60,000 Points
Welcome Offer
- Earn 60,000 bonus points after spending $4,000 in the first three months.
Rewards
- 10x Points on Select Citi Travel®: Earn 10x points on hotels, car rentals, and attractions booked through Citi Travel®.
- 3x Points Categories:
- Air Travel & Other Hotel Purchases
- Restaurants
- Supermarkets
- Gas & EV charging Stations
- 1x Points on all other purchases.
Redemption Options
- Flexible Redemption: Redeem points for cashback, gift cards, travel, purchases at Amazon.com, PayPal checkout, and more.
- Travel Partner Transfers: Points can be transferred to select airline and hotel partners, though transfer ratios may vary.
Fees and APR
- Annual Fee: $95.
- Regular APR: 19.49% - 27.49% Variable APR.
- Balance Transfer Fees: $5 or 5% of each transfer amount, whichever is greater.
- Foreign Transaction Fee: None.
Annual Credits
- $100 Annual Hotel Credit: Receive $100 off one hotel stay of $500 or more (excluding taxes and fees) each calendar year when you book through Citi Travel®. The discount is applied instantly at checkout.
Travel Benefits
- The Reserve by Citi Travel®: Curated hotel collection offering benefits such as daily breakfast for two, a $100 on-property credit (varies by property), and select perks like upgrades or late checkout when available. Benefits apply when booking an eligible Reserve rate through Citi Travel.
Travel Protections
- Trip Delay Protection: Get reimbursed for eligible expenses like meals and lodging if your trip is delayed for a covered reason.
- Trip Cancellation & Interruption Insurance: Get reimbursed for non-refundable travel costs if you need to cancel or cut your trip short due to a covered reason. Applies to airfare, ferry, train, bus, and cruise tickets when purchased with your card.
- Lost or Damaged Luggage: Get reimbursed for eligible expenses if your checked or carry-on luggage is lost or damaged during your trip.
- MasterRental® Coverage (Car Rental): Get coverage for damage or theft of a rental car when you pay for the rental with your card and decline the rental company’s collision damage waiver.
Purchase Protections
- Purchase Assurance Plus: Covers eligible new purchases against damage or theft.
- Extended Warranty: Get extra warranty protection at no cost on eligible items you purchase with your card.
Convenience Features
- Authorized Users: Add authorized users at no cost and earn rewards on their purchases.
- Digital wallet compatible: Apple Pay®, Google Pay™, Samsung Pay.
Nice Extras
- Entertainment Access: Citi Entertainment® (presale ticket access and occasional exclusive events).
- Citi Travel®: Integrated travel booking portal (book flights, hotels, car rentals, and attractions using your eligible Citi card, points, or a combination of both).
Buy Now, Pay Later Options
- Citi® Flex Pay: Buy now and pay over time with fixed monthly payments on eligible purchases of $75 or more, while still earning points on your purchases.
Additional Features
- Identity Theft Assistance: Mastercard ID Theft Protection (identity monitoring alerts and guided recovery support).
- Card Lock: Citi Quick Lock (temporarily blocks new purchases while allowing recurring transactions).
- Free credit score access.
Terms and Conditions
- Click Apply Now to see the terms and conditions.
EarnSmart Rewards Strategy
- Citi Double Cash®: Unlimited 2% cashback on all purchases, with rewards that can be combined with Citi Strata Premier® points. 👉 Learn more about Citi Double Cash®.
- Citi Custom Cash®: Earn up to 5% cashback on your top eligible spending category each billing cycle, complementing Citi Strata Premier®’s broader rewards structure. 👉 Learn more about Citi Custom Cash®.
Upgrade Within Citi
- Citi Strata Elite℠: A premium-tier option with elevated rewards, travel perks, and luxury benefits for cardholders seeking a more comprehensive travel experience beyond Citi Strata Premier®. 👉 Learn more about Citi Strata Elite℠.