The Citi Strata Premier® Card (see charges and costs) 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 well worth the $95 annual price? Under, we break down the necessary facets of the cardboard so you possibly can determine whether it is for you.
Welcome supply
The Strata Premier is presently providing 60,000 bonus factors after spending $4,000 throughout the first three months from account opening.
Citi ThankYou factors are value 1.9 cents every in response to TPG’s September 2025 valuations, making this bonus value $1,140.
We suggest 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 properly. In line with Citi:
Bonus ThankYou® Factors should not accessible should you obtained a brand new account bonus for a Citi Premier® or Citi Strata Premier® account prior to now 48 months or should 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
Strong factors incomes
If you happen to ask individuals what they like concerning the Strata Premier, the most typical reply is probably going that it earns factors in widespread spending classes.
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The cardboard earns 10 factors per greenback spent on sights, automotive leases and lodges booked by means of 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 car charging stations
- Gasoline stations
- Accommodations (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 frequently makes use of his Strata Premier card to pay for fuel and groceries, which helps him accumulate ThankYou factors shortly. 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 throughout the U.S.
Associated: Do you have to e book lodges by means of Citi Journey?
Switch companions
When figuring out if the Strata Premier’s $95 annual price is value 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 essentially 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 essentially 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 flexibility to switch ThankYou factors to this system is sufficient cause for him to maintain paying the annual price yr after yr.
Lodge credit score
As a cardholder, you may get an annual good thing about $100 off a single lodge keep of $500 or extra (excluding taxes and costs) whenever you e book by means of Citi Journey.
Nonetheless, whereas this profit sounds promising and is perhaps nice when staying at boutique, unbiased properties, it could not yield the $100 in financial savings you anticipate.
Earlier than making a lodge reservation on Citi Journey, examine the value of the lodge when reserving immediately to check whether or not you are getting one of the best charge. Citi Journey would not at all times have the bottom charge, so your $100 low cost could not truly be a stable deal.
Bookings by means of journey portals like Citi Journey sometimes do not earn lodge factors or honor elite advantages, so issue that into the $100 low cost.
Associated: What it’s good to learn 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 will be discovered right here.
Buying 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 reveals.
Backside line
Because the lodge profit could not present the total $100 worth, whether or not the Strata Premier is value its $95 annual price will rely on the factors you earn and the way you worth them.
If you happen to can maximize the bonus classes and get good worth from Citi’s switch companions, chances are you’ll discover that to be a priceless return properly past the annual price. Nonetheless, if you’d like extra tangible worth from assertion credit and different perks, you may probably wish to go along with a totally different bank card, just like the extra premium Citi Strata Elite℠ Card (see charges and costs).
To be taught extra, learn our full evaluate of the Strata Premier.
Apply right here: Strata Premier
