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Ranking the Citi Strata Premier® Credit Card 

 

Rewards Program (30 points)

  • Points, Miles, or Cash Back Rates (15 points): The card offers 10x ThankYou points on hotels, car rentals, and attractions. It also offers 3x points on air travel, other travel, dining, supermarkets, and gas stations, with 1x on other purchases. This is a high earning rate for specific categories. (15 points)
  • Redemption Flexibility (10 points): Points can be redeemed for travel, gift cards, statement credits, and transferred to travel partners. (10 points)
  • Rewards Expiration and Transfer Options (5 points): Points don’t expire, and transfers to travel partners are available. (5 points)

 

Total for Rewards Program: 30/30

 

Welcome Offer (20 points)

  • Value (15 points): The card offers a welcome offer of 70,000 points (worth around $700) after spending $4,000 in 3 months, a high-value welcome offer. (15 points)
  • Ease of Earning (5 points): The $4,000 threshold in 3 months is a moderate difficulty. (4 points)

 

Total for Welcome Offer: 19/20

 

Fees (10 points)

  • Annual Fee (6 points): The card has a $95 annual fee. (5 points)
  • Foreign Transaction Fees (4 points): There are no foreign transaction fees. (4 points)

 

Total for Fees: 9/10

 

APR and Financing Options (15 points)

  • Introductory APR (5 points): No 0% introductory APR is offered. (0 points)
  • Standard APR (5 points): The standard APR ranges from 21.24%-29.24%, which is high. (0 points)
  • Balance Transfer Options (5 points): Standard fees and high APRs apply to balance transfers. (0 points)

 

Total for APR and Financing: 0/15

 

Cardholder Benefits (15 points)

  • Travel Benefits (5 points): Offers some travel protection benefits but lacks comprehensive perks like lounge access. (3 points)
  • Purchase Protection and Insurance (5 points): Includes some purchase protections, but coverage is limited compared to premium cards. (3 points)
  • Other Perks (5 points): Includes World Elite Mastercard benefits like concierge service and special offers. (4 points)

 

Total for Cardholder Benefits: 10/15

 

Subjective Prestige (10 points)

  • Perceived Status and Exclusivity (10 points): The card is accessible with decent credit, but it’s not considered a high-status card. (5 points)

 

Total for Subjective Prestige: 5/10

 

Overall Score: 73/100

 

Recommendation:

 

Recommended with reservations. The Citi Premier® Card is a strong choice for earning rewards in multiple categories and redeeming for travel, but it lacks significant travel benefits and has high standard APRs.

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At Credit Mileage, we believe smart credit management is one of the key cornerstones for sound personal finance. Using credit from an educated point of view so that you don’t accumulate debt while swiping to maximize and best utilize the points and rewards programs that different credit cards offer is at the heart of what Credit Mileage aims to educate consumers about.

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