*Please note that while we may promote certain credit card products through affiliate links on our YouTube and social media channels, currently, no credit card affiliate links are present on this website. If you click on a link and make a purchase on our YouTube videos or social media channels, we may receive a commission, as clearly disclosed in the video description.
*This article is updated regularly. While we try to maintain and update content on a consistent basis, offers with credit card issuers change often. Perks, benefits, fees, and offers for credit cards may vary from the content included in this post. The content on this page is accurate as of the posting date; however, some of the offers mentioned may have expired.
Card Score: ✅✅✅ 3.65/5
*The credit card score is based on the sole opinion of Credit Mileage without input or influence from the card issuer.
In May 2024, the Citi Premier was offiically rebranded and replaced by the Citi Strata Premier. The refreshed Citi Strata Premier card comes with incredible new travel perks and benefits.
The Citi Strata Premier Card is a travel rewards credit card with versatile earning potential and useful benefits. It caters to individuals who want to earn rewards on daily purchases, including travel, dining, and groceries, while also enjoying a variety of travel-related perks.
In this review, we will explore the features, benefits, pros and cons, comparisons to other credit cards, and give our final thoughts to help you determine if the Citi Strata Premier Card is the right fit for your wallet.
The Citi Strata Premier Card stands out for its robust rewards program, making it an excellent option for those who seek high-value rewards for everyday spending and travel. The card earns:
With this structure, you can earn significant rewards on categories where many people spend the most. For frequent travelers and foodies, the card’s 3x points on air travel, hotels, and dining is especially appealing.
Citi ThankYou points earned through the Citi Premier Card can be redeemed for a variety of rewards, including:
The ability to transfer points to multiple airline partners adds another layer of flexibility, allowing users to maximize the value of their points.
Citi ThankYou points do not expire as long as the account remains open and in good standing, and the transfer options to 15+ airline partners provide additional value for frequent travelers. These factors make it easy to accumulate and utilize rewards over time.
The Citi Strata Premier Card offers a generous sign-up bonus, which typically provides:
This bonus is equivalent to $700 in gift cards or travel rewards at thankyou.com, adding significant value for new cardholders. While the spending threshold may be high for some, it is reasonable compared to other premium travel rewards cards.
The Citi Strata Premier Card comes with some notable fees, including:
The annual fee is competitive for a travel rewards card, especially considering the benefits and rewards offered. The absence of foreign transaction fees makes it a suitable option for international travelers.
The Citi Strata Premier Card is not geared toward those who want to carry a balance, as it lacks a 0% introductory APR offer. The standard variable APR for the card ranges from 20.24% to 28.24%, depending on creditworthiness. Additionally, balance transfers come with a 5% fee (minimum $5).
The Citi Strata Premier Card offers several benefits, primarily aimed at travel and purchase protection:
Travel Benefits
Purchase Protection and Insurance
Other Perks
Read our review of the Chase Sapphire Preferred here.
The Citi Strata Premier offers higher rewards on groceries and gas, while Chase Sapphire Preferred provides extra value through its travel portal. Travelers seeking high grocery rewards might prefer Citi Premier, while those who use the Chase Ultimate Rewards ecosystem may find more value with Sapphire Preferred. Since the refreshed branding from Citi Premier to Citi Strata Premier, the Citi Strata Premier card has become much more competitive compared to Chase Sapphire because of its 10x ThankYou points when purchasing hotels, car rentals, and attractions through CitiTravel.com
Read our review of the American Express Gold Card here.
While the Amex Gold Card offers higher rewards on dining and U.S. supermarkets, its $325 annual fee is significantly higher than Citi Premier’s. The Citi Strata Premier Card is more budget-friendly for those seeking a lower-cost travel card with broad category rewards.
Read our review of the Capital One Venture Rewards card here.
The Venture Card’s flat 2x miles on all purchases may be more attractive to those who prefer simplicity. However, the Citi Premier’s higher rewards in specific categories (e.g., groceries, gas) can offer more value to cardholders who spend heavily in those areas.
The Citi Strata Premier Card is a versatile travel rewards credit card that provides excellent value to cardholders who spend across a variety of categories, including travel, dining, groceries, and gas. With a generous 10x points rate and a flexible redemption program, the card competes well against other mid-tier travel cards. The reasonable $95 annual fee, combined with no foreign transaction fees, makes it accessible to frequent travelers without the high cost of premium cards.
However, the lack of luxury perks such as airport lounge access, and the absence of a 0% introductory APR, may not suit everyone. Those looking for a more premium travel experience or financing options may find other cards better suited to their needs. Overall, the Citi Premier Strata Card is a strong choice for travelers who value high rewards rates and flexible redemption options.
Affiliate and Relationship Disclosure: Credit Mileage may receive compensation from affiliate links included in this post at no extra cost to you. This helps support our mission of providing quality financial education and resources. Additionally, Credit Mileage has a direct business relationship with eCreditAdvisor, which may be mentioned or linked in our content. Our opinions and recommendations remain our own, and we only promote products or services that we believe offer value to our readers. We currently do not have any credit card affiliate links on our website.
Editorial note: The views expressed in this article are solely those of the author and do not reflect the opinions of any bank, credit card company, airline, or hotel chain. None of these organizations have reviewed, approved, or endorsed the content in any way.
Legal and Financial Advice Disclosure: Credit Mileage is not a law firm, and this article is not intended to provide legal or financial advice. This information is meant purely for educational purposes. We strive to offer accurate and up-to-date information, but it is not a substitute for professional financial or legal advice. Always consult with a qualified attorney or financial advisor before making any decisions regarding your financial situation.
Share this post:
The Bank of America Travel Rewards credit card offers a straightforward approach to earning travel rewards with unlimited 1.5 points per dollar and no annual fee. Ideal for budget-conscious travelers, this card provides value through flexible redemption and zero foreign transaction fees.
The Marriott Bonvoy Boundless Credit Card is designed for travelers who frequently stay at Marriott properties. With a strong rewards program, automatic Silver Elite status, and solid perks like free anniversary nights, this card is a must-have for Marriott fans. But how does it compare to other travel cards?
Advertising Disclosure
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.
That’s why we offer a wide array of educational and editorial content and credit card reviews so that you can choose the best card to achieve your goals, depending on which type of points/rewards programs you like.
When you apply for a credit card through our site and are approved, we may receive compensation from our partners, which can influence how and where certain products are featured.
Although we don’t include every credit card on the market, we thoroughly research and evaluate each card we feature. The content we produce is created without any input or oversight from credit card issuers, banks, or partners. For more details, please review our advertising policy and credit card evaluation framework.
