Last Updated: 10/08/2025
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Highlights
Purchase APR (Variable APR)
21.24% - 29.24%(Verified 10/08/2025)
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Balance Transfer APR (Variable APR)
21.24% - 29.24%(Verified 04/24/2025)
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Credit Score Range
720 - 850
Annual Fee
$95
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Citi Strata Premier℠ Card Review
This is a travel card issued by Citi®. If you're wondering whether Citi Strata Premier℠ Card is the right card for you, read on.
Key Takeaways
- Generous reward rate. You can get a rewards rate of up to 10 reward points per dollar spent.
- $100 annual hotel benefit. Once per calendar year, enjoy $100 off a single hotel stay of $500 or more (excluding taxes and fees) when booked through CitiTravel.com. Benefit applied instantly at the time of booking.
- Earn 70,000 bonus ThankYou® Points after spending $4,000 in the first 3 months of account opening, redeemable for $700 in gift cards or travel rewards at thankyou.com
- APR: This is not a great card for people who carry a balance. It has a variable regular purchase APR that ranges from 21.24% up to 29.24%.
- A 3% balance transfer fee. Citi Strata Premier℠ Card charges a fee of 3% on balance transfers. For example, a balance of $1,000 could cost $30 in transfer fees. The minimum fee is $5.
- No foreign transaction fee. This card does not charge a fee when you make a purchase that passes through a foreign bank, or is in a currency other than the U.S. dollar (USD), which makes it a great credit card to carry when traveling abroad.
- Gas rewards. on eligible fuel purchases.
- Excellent credit required. You will have good approval odds if you have an excellent credit score.
Pros & Cons of Citi Strata Premier℠ Card
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Citi Strata Premier℠ Card FAQ
Does Citi Strata Premier℠ Card have a cash back or rewards program?
Citi Strata Premier℠ Card is a travel rewards card.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Travel | 3 x points | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Airfare | 3 x points (Earn 3 Points per $1 spent on Air Travel and Other Hotel Purchases) | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Car Rentals | 3 x points | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Gas | 3 x points (Earn 3 Points per $1 spent on Gas and EV Charging Stations) | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Restaurants | 3 x points (Earn 3 Points per $1 spent on Restaurants) | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Every Purchase | 1 x points (Earn 1 Point per $1 spent on All Other Purchases) | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Does Citi Strata Premier℠ Card have a signup bonus?
Yes. Earn 70,000 bonus ThankYou® Points after spending $4,000 in the first 3 months of account opening, redeemable for $700 in gift cards or travel rewards at thankyou.com
Does Citi Strata Premier℠ Card offer an annual loyalty bonus?
This card doesn't offer a cash loyalty bonus.What are the Citi Strata Premier℠ Card benefits?
Citi Strata Premier℠ Card provides the following benefits:
- Free Credit Score
- Zero fraud liability
- No blackout dates when redeeming miles
- Reports to major credit bureaus
What are the relevant APRs for Citi Strata Premier℠ Card?
According to the Federal Reserve Board, the average regular APR for accounts that carry a balance (as of November 2024) is 22.80%. This card has lower than average regular APRs.Citi Strata Premier℠ Card has a variable purchase APR that ranges from 21.24% up to 29.24%. The card has a variable balance transfer APR that ranges from 21.24% up to 29.24%. It also has a variable cash advance APR of 29.99% .
Note that late payments are subject to an APR of 29.99% if you are late or miss your payments. Typically, the penalty APR applies for a minimum of six months but can go on indefinitely.Does Citi Strata Premier℠ Card have an intro APR offer on balance transfers?
No, it does not come with an intro APR offer for balance transfers.Does Citi Strata Premier℠ Card have an intro APR offer on new purchases?
This card does not offer an intro APR rate on new purchases.What are the fees for Citi Strata Premier℠ Card?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | Up to $41 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | Starting at 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $95 (see terms and conditions) | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| No Foreign Transaction Fee? | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | Up to $41 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Cash Advance Fee ($) | $10 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Cash Advance Fee (%) | 5% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card charges an annual fee of $95*$95 .
Does Citi Strata Premier℠ Card have a foreign transaction fee?
This card does not charge foreign transaction fees. If you are a frequent traveler, avoiding foreign transaction fees can save you hundreds of dollars in fees when you travel out of the country.What is the customer service phone number for Citi Strata Premier℠ Card?
The customer service number for Citi Strata Premier℠ Card is (800) 950-5114.
What is the support contact email for Citi Strata Premier℠ Card?
The support contact email for Citi Strata Premier℠ Card is customer.help@citi.com.
What is the login page for Citi Strata Premier℠ Card?
You can access the login page of Citi Strata Premier℠ Card here.
How do people rate the customer service and user experience of Citi Strata Premier℠ Card?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does Citi Strata Premier℠ Card report your account activity to credit bureaus?
Yes, Citi Strata Premier℠ Card reports to the following credit bureaus:
- Equifax
- Experian
- TransUnion
Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help build your credit.
Does Citi® perform a hard credit pull?
Yes, Citi Strata Premier℠ Card performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.
How to apply for Citi Strata Premier℠ Card
- Visit the website of Citi Strata Premier℠ Card.
- Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
- Check the information is accurate and submit your application.
If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.
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