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🔥 Wow! Earn 100,000 points! Details

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All information about the Citi Strata Premier℠ Card has been collected independently by HelpMeBuildCredit. Citi Strata Premier℠ Card is no longer available through CardRatings. Help Me Build Credit has partnered with CardRatings for our coverage of credit card products. Help Me Build Credit and CardRatings may receive a commission from card issuers. The editorial content on this page is not provided by any of the companies mentioned, and have not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are the author’s alone.

welcome offer

Earn 75,000 points after spending $4,000 within the first 3 months.

Bonus Value

Approximately $750 - $1085

Annual Fee

$95

Card Rewards

10 points on hotels, car rentals, and attractions booked through CitiTravel.com

3 points on airfare and other hotel purchases, restaurants, supermarkets, gas stations, and EV charging stations

1 point on all other purchases

Add to compare

All information about the Citi Strata Premier℠ Card has been collected independently by HelpMeBuildCredit. Citi Strata Premier℠ Card is no longer available through CardRatings. Help Me Build Credit has partnered with CardRatings for our coverage of credit card products. Help Me Build Credit and CardRatings may receive a commission from card issuers. The editorial content on this page is not provided by any of the companies mentioned, and have not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are the author’s alone.

Avatar photo Author - Sam Updated: February 6, 2025 | Credit Card Review
Card Overview

The card_name is the rebranded Citi Premier® card. Earns great rewards in many popular categories, including 10 points through CitiTravel.com, 3 points on gas, grocery, dining, airfare, hotels, and EV charging stations. You get travel benefits such as no foreign transaction fee, auto rental insurance, trip cancellation insurance, a $100 credit when you book a single hotel stay of $500 or more through CitiTravel.com once per calendar year, and more.

Card-Smart Tips & Advice
  • Credit: Good credit needed
  • Max cards: Citi will only approve you for one personal card every 8 days, and only 2 Citi personal cards within 65 days.
  • Credit bureau: Citi will usually pull your Experian credit report, sometimes Equifax, and sometimes Experian and Equifax  (depending on your state, search your state in our credit card database).
  • If you freeze your Experian credit report you can sometimes request the reconsideration department to pull your Equifax credit report.
  • Combining same-day credit inquiries: Credit inquiries for all Personal Citi cards will be combined; also, credit inquiries for all Business Citi cards will be combined. Credit inquiries for Personal and Business card applications will not be combined. Note, you cannot get approved for more than one Citi personal card within 8 days (Combining credit inquiries will only make a difference when declined for your first try and you want to try a new one)
  • Application status: You can check your application status  here  or call 1 888 201 4523
  • Reconsideration: If declined you can call 1 800 695 5171 to be reconsidered
  • Instant credit card number not available: Your new Citi credit card number will not be available immediately upon getting approved for the card
  • Quickest way to get my card: Citi will offer instant credit card numbers only on some cards (Custom Cash, Costco cards applied for in-store, AA, AT&T). Citi physical credit cards cannot be expedited and will arrive after 7-10 business days

  • Downgrade options: The card_name ($95) can be downgraded to the Citi Rewards ($0), Citi Double Cash ($0), Citi AA MileUp ($0), Citi Costco ($0), or to the Citi AT&T Access ($0). Citi Custom Cash ($0)

Approval Monitor (submitted by HelpMeBuildCredit users)

75% Approved
752 Avg. Score of those approved
25% Denied
Approved 75% (223)
Denied 25% (75)

Credit limit range $2,000-$15,000

Avg. Credit limit$6,042

Approved 75% (223)
Denied 25% (75)

Disclosure: These results are based on information submitted by HelpMeBuildCredit users. Credit card approval results are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. Neither HelpMeBuildCredit nor the bank advertiser's take any responsibility on the accuracy of the information.

HelpMeBuildCredit credit ranges are a variation of FICO®️ Score 8, one of many types of credit scores lenders may use when considering your credit card application

Welcome Offer Eligibility
The welcome bonus is not available if you have received a new account bonus for a Citi Premier® or card_name within the past 48 months or if you converted another Citi credit card on which you earned a new account bonus in the last 48 months into a Citi Premier® or card_name.
Card Details And Benefits
Auto CDW Insurance

Primary coverage on rentals outside your country of residence and secondary coverage on rentals within your country of residence.

Credits

Get a $100 credit when you book a single hotel stay of $500 or more, excluding taxes and fees, through CitiTravel.com, once per calendar year.

Extended Warranty Protection

Get two additional years to your original manufacturer’s warranty time. (Will only cover if the original warranty is for 5 years or less). Max $10,000 per item.

Foreign Transaction Fee

No foreign transaction fee.

Lost Luggage Insurance

Get up to $3,000 per trip ($2,000 for N.Y. residents) for lost or damaged luggage.

Purchase Protection

Get refunded if your purchase is damaged or stolen, up to 90 days from the date of purchase. Max $10,000 per claim, $50,000 per year.

Trip Cancellation Insurance

Coverage for canceled or interrupted travel due to an unforeseen medical emergency etc. Max $5,000 per trip, $10,000 per person per 12 months for non-refundable travel expenses including flight tickets, hotels, and more.

Trip Delay Insurance

If your flight is delayed you can claim up to $500 per trip to cover expenses like meals, lodging, toiletries, medication, and other personal use items. Max 2 claims per account per 12 consecutive months.

How can the points be used?
Cashback

The points can be redeemed as cashback for 1 penny per point.

Transfer to airline and hotel programs

You can transfer your points to any of the following airline or hotel partners.

Airline partners:

Transfer Ratio Transfer Time
Aeromexico – Club Premier 1:1 Instant
Air France, KLM – Flying Blue 1:1 Instant
Avianca – LifeMiles 1:1 Instant
Cathay Pacific – Asia Miles 1:1 Instant
Emirates – Skywards 1:1 Instant
Etihad Guest 1:1 Instant
EVA Air Infinity MileageLands 1:1 2 days
JetBlue – TrueBlue 1:1 Instant
Qantas Frequent Flyer  1:1 Instant
Qatar Airways Privilege Club 1:1 2 days
Singapore Airlines  -KrisFlyer 1:1 2 days
Thai Airways – Royal Orchid Plus 1:1 4 days
Turkish Airlines – Miles & Smiles  1:1 Instant
Virgin Atlantic – FlyingClub 1:1 Instant

Hotel partners:

Ratio Transfer Time
Choice Privileges 2:1 Instant
Wyndham Rewards 1:1 24 hours

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*The estimate is based on our research on what approximate value consumers get when booking travel with points or transferring the points to partner airlines/hotels and booking award travel. You might need to be reward savvy to achieve the proper value. You can find out more on how we value points here

Please note: Although, I put a lot of effort to give my readers unbiased information. I’m legally required to notify you that I may be receiving compensation from credit card companies mentioned on this page. Please see our Advertisement Disclosure for more details.
The editorial content on this page is not provided by any of the companies mentioned, and have not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are the author’s alone.
Help Me Build Credit has partnered with AwardWallet and CardRatings for our coverage of credit card products. Help Me Build Credit, AwardWallet and CardRatings may receive a commission from card issuers.

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