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? Beneath, we break down the necessary points of the cardboard so you’ll be able to resolve whether it is for you.
Welcome supply
The Strata Premier is presently providing 60,000 bonus factors after spending $4,000 inside 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 a increased welcome supply of not less than 70,000 factors is accessible 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 nicely. In response to Citi:
Bonus ThankYou® Factors aren’t out there in the event you acquired a brand new account bonus for a Citi Premier® or Citi Strata Premier® account previously 48 months or in the event 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: Finest methods to redeem Citi ThankYou Rewards factors
Stable factors incomes
If you happen to ask individuals what they like concerning the Strata Premier, the commonest reply is probably going that it earns factors in common spending classes.
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The cardboard earns 10 factors per greenback spent on points of interest, automobile leases and resorts booked via 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 automobile charging stations
- Gasoline stations
- Inns (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 rapidly. 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, in contrast to some playing cards that solely supply bonus factors on purchases inside the U.S.
Associated: Must you guide resorts via 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’ll be able to entry. Citi has some nice switch companions like Qatar Airways Privilege Membership, Air France-KLM Flying Blue and Virgin Atlantic Flying Membership, however probably 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 probably the most inexpensive annual price card to switch factors at a 1:1 ratio, making it a worthwhile funding.
Danyal is a big fan of the AAdvantage program, and the flexibility to switch ThankYou factors to this system is sufficient purpose for him to maintain paying the annual price yr after yr.
Resort credit score
As a cardholder, you will get an annual advantage of $100 off a single lodge keep of $500 or extra (excluding taxes and costs) if you guide via Citi Journey.
Nonetheless, whereas this profit sounds promising and could be nice when staying at boutique, unbiased properties, it could not yield the $100 in financial savings you count on.
Earlier than making a lodge reservation on Citi Journey, verify the worth of the lodge when reserving instantly to check whether or not you are getting the perfect price. Citi Journey would not at all times have the bottom price, so your $100 low cost might not truly be a strong deal.
Bookings via journey portals like Citi Journey usually do not earn lodge factors or honor elite advantages, so issue that into the $100 low cost.
Associated: What it’s good to find out about direct versus third-party journey bookings
Journey and buy protections
The Strata Premier supplies the next journey protections:
Further details about coverage limits and exclusions could be discovered right here.
Buying protections embody:
World Elite Mastercard advantages
As a World Elite Mastercard cardholder, you’ll be able to take pleasure in additional perks like World Emergency Providers, a $5 Lyft credit score if you take not less than three rides in a month (supply ends Jan. 31, 2026) and $10 off your second Instacart order every month, together with three months of complimentary Instacart+ (supply ends Jan. 31, 2027).
Leisure perks
Anybody with a Citi bank card, together with the Strata Premier, can entry Citi Leisure.
This supplies 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 might not present the complete $100 worth, whether or not the Strata Premier is value its $95 annual price will rely upon 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, you could discover that to be a helpful return nicely past the annual price. Nonetheless, if you need extra tangible worth from assertion credit and different perks, you will doubtless need to go together with a totally different bank card, just like the extra premium Citi Strata Elite℠ Card (see charges and costs).
To study extra, learn our full evaluation of the Strata Premier.
Apply right here: Strata Premier