Citi Strata Premier Card: See everything you need to know

05/05/2025 • Matheus Moraes • Credit Card

In the world of travel rewards cards, the newly relaunched Citi Strata Premier Card stands out with its impressive array of benefits tailored for both frequent and occasional travelers.

The Citi Strata Premier Card is particularly well-suited for those looking to accumulate points on everyday expenses as well as travel.

Yet, what truly makes it unique in its category is the array of perks like no foreign transaction fees and flexible point redemption options, including the ability to transfer points to airline loyalty programs.

Earn 10X points on hotel bookings through CitiTravel.com.
Travel protection for peace of mind on any adventure.
No foreign transaction fees for international purchases.
Annual hotel benefit of $100 off select hotel stays.
Points you accumulate never expire.

Let's dive deeper into what makes the Citi Strata Premier Card an attractive option for anyone seeking to maximize their travel and everyday expense rewards.

Benefits of Using the Citi Strata Premier Card

The Citi Strata Premier Card is packed with a range of benefits that cater to the diverse needs of travelers and everyday spenders.

Here’s what cardholders can expect to enjoy:

Rewards Program

Earn 10X points on hotels, car rentals, and attractions booked through CitiTravel.com, and 3X points on air travel, other hotel purchases, restaurants, supermarkets, gas, and EV charging stations.

Travel Protection

Comprehensive coverage including trip cancellation, trip interruption, trip delay, lost or damaged luggage, and car rental coverage.

No Foreign Transaction Fees

Make purchases internationally without worrying about extra charges.

Transfer Partners

Transfer points to popular airline loyalty programs such as TrueBlue, Virgin Atlantic Flying Club, and Singapore Airlines KrisFlyer.

Annual Hotel Benefit

Get $100 off a single hotel stay of $500 or more when booked through CitiTravel.com each year.

No Points Expiration

Your hard-earned points will not expire, allowing more flexibility in when to redeem them.

Who Should Consider the Citi Strata Premier Card?

The Citi Strata Premier Card is designed for both casual and frequent travelers who wish to maximize their rewards on travel and everyday expenses.

However, certain demographics will find this card especially beneficial.

Frequent travelers looking for lucrative rewards on travel-related expenses.
Occasional travelers wanting to earn rewards on essential purchases like groceries and gas.
Individuals who prefer flexibility in redeeming points through travel loyalty programs.

Overall, if you appreciate earning rewards across a wide variety of categories and are looking for a reliable card with minimal restrictions, the Citi Strata Premier Card is worth considering.

Pros and Cons of the Citi Strata Premier Card

As with any financial product, the Citi Strata Premier Card comes with its set of advantages and disadvantages.

Here’s how it stands:

Pros

Generous Rewards Categories
Offers high reward rates in multiple categories, making it easy to accumulate points quickly.
Valuable Annual Benefit
The $100 hotel credit effectively reduces the annual fee for frequent travelers.
Transfer Partners
The cards ability to transfer points to various airline programs provides flexibility.
Travel Protections
Comprehensive travel protections bring peace of mind during trips.

Pros

Annual Fee
Comes with a $95 annual fee, which may not be justifiable for rare travelers.
Booking Requirements
Some purchases need to be made through CitiTravel.com to earn the highest reward rate.

Why We Recommend the Citi Strata Premier Card

At Mon3y.Net, we understand the value of maximizing your travel and everyday purchase rewards while maintaining flexibility, which is exactly what the Citi Strata Premier Card offers.

Here are the top reasons why we believe it stands out amongst travel rewards cards.

Extensive rewards program covering essential and luxury travel expenses.
Flexible redemption options with multiple transfer partners available.
No foreign transaction fees, making it ideal for international travel.
Annual $100 hotel credit to offset the card’s annual fee.

How to Apply for the Citi Strata Premier Card

Applying for the Citi Strata Premier Card is a straightforward process.

Interested individuals can apply online or through Citi’s customer service hotline. Here’s how to start:

Access the bank website

Visit [www.citi.com](https://www.citi.com) to apply online.
Contact Citi customer service via phone for more information.
Download the Citi mobile app to manage your application.

Frequently Asked Questions

Is there a welcome bonus on the Citi Strata Premier Card?

Yes, new cardmembers can earn a welcome bonus, but it is not available to those who have received a similar bonus in the last 48 months.

What is the annual fee for the card?

The card has an annual fee of $95.

How can points be redeemed?

Points can be redeemed for travel rewards, gift cards, or transferred to various airline loyalty programs. They do not expire.

Final Considerations

If you frequently travel or aim to earn substantial rewards on everyday expenses, the Citi Strata Premier Card is a strong contender in the travel rewards card market.

With its extensive benefits and flexible redemption options, it demonstrates great value for committed travelers.

Remember, at Mon3y.Net, we strive to help you make informed financial decisions, and the Citi Strata Premier Card is one dedicated to rewarding you for the way you live and travel.