Last Updated: 10/08/2025
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Highlights
Purchase APR (Variable APR)
21.24% - 29.24%(Verified 10/08/2025)
Disclaimer popup with additional information
Balance Transfer APR (Variable APR)
21.24% - 29.24%(Verified 04/24/2025)
Disclaimer popup with additional information
Credit Score Range
720 - 850
Annual Fee
$95
Disclaimer popup with additional information
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
| The Good | The Bad |
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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.
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.
SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.
Hours of Operation
Sunday
Closed
Monday
9:00AM - 5:00PM
Tuesday
9:00AM - 5:00PM
Wednesday
9:00AM - 5:00PM
Thursday
9:00AM - 5:00PM
Friday
9:00AM - 6:00PM
Saturday
10:00AM - 3:00PM
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Other Credit Cards from Citi®
Purchase APR
19.24% - 29.24%
Disclaimer popup with additional information
Balance Transfer APR
19.24% - 29.24%
Disclaimer popup with additional information
Credit Score Range
680 - 850
300
850
Annual Fee
$0
Disclaimer popup with additional information
Purchase APR
28.49%
Disclaimer popup with additional information
Balance Transfer APR
N/A
Credit Score Range
620 - 850
300
850
Annual Fee
$0
Purchase APR
19.24% - 29.99%
Disclaimer popup with additional information
Balance Transfer APR
19.24% - 29.99%
Disclaimer popup with additional information
Credit Score Range
700 - 850
300
850
Annual Fee
$0
Disclaimer popup with additional information
Purchase APR
18.24% - 27.24%
Disclaimer popup with additional information
Balance Transfer APR
18.24% - 27.24%
Disclaimer popup with additional information
Credit Score Range
650 - 850
300
850
Annual Fee
$99
Purchase APR
20.49%
Disclaimer popup with additional information
Balance Transfer APR
20.49%
Disclaimer popup with additional information
Credit Score Range
650 - 850
300
850
Annual Fee
$0
Disclaimer popup with additional information
Rating not yet determined
Purchase APR
24.74%
Disclaimer popup with additional information
Balance Transfer APR
24.74%
Disclaimer popup with additional information
Credit Score Range
600 - 850
300
850
Annual Fee
$0
Purchase APR
18.24% - 28.99%
Disclaimer popup with additional information
Balance Transfer APR
18.24% - 28.99%
Disclaimer popup with additional information
Credit Score Range
700 - 850
300
850
Annual Fee
$0
Disclaimer popup with additional information
Purchase APR
28.49%
Disclaimer popup with additional information
Balance Transfer APR
28.49%
Disclaimer popup with additional information
Credit Score Range
640 - 850
300
850
Annual Fee
$0 - $59
Rating not yet determined
Purchase APR
17.99% - 23.74%
Disclaimer popup with additional information
Balance Transfer APR
N/A
Credit Score Range
700 - 850
300
850
Annual Fee
$0
Rating not yet determined
Purchase APR
16.99% - 23.99%
Disclaimer popup with additional information
Balance Transfer APR
16.99% - 23.99%
Disclaimer popup with additional information
Credit Score Range
650 - 850
300
850
Annual Fee
$495
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Learn MoreSuperMoney Net Recommendation Score
Not enough SuperMoney users have reviewed this product to provide a recommendation score or rating.
+100
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Everyone recommends
Citi Strata Premier℠ Card Community Reviews
Would you recommend Citi Strata Premier℠ Card to your friends?
U
Anonymous
Jul 31, 2023
May or may not recommend
i want a citi premier card please i really want one
ZS
Zohra S.
Sep 21, 2022
May or may not recommend
Generous in terms of rewards rate(3X) . The reward points can also be used at a large no. of partners, airlines etc. It scores high from its competitors (Chase Sapphire and Amex Green) in terms of lower Annual fees. CITI premier also gives extended coverage if something goes wrong.
RI
Rose I.
Sep 30, 2020
May or may not recommend
I love the Citi Premier Card because it offers some great benefits. It accumulates points for each dollar you spend and doubles or triples points for each $1 spent depending on the expense. I have been able to accumulate enough points to help pay for hotels, flights, and rental cars. The annual fee is about $85 but it is worth it for what you get. I would highly recommend this ...Show More
Showing 3 of 3 reviews
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