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Citi Strata Premier®
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Score Needed: Good
Citi Strata Premier®
At a glance
Welcome Offer

Earn 75,000 bonus points after spending $4,000 in the first 3 months of account opening, redeemable for $750 in gift cards or travel rewards on thankyou.com

Limited Time Offer
New Offer
All time high
Rewards

3X ThankYou® Points per $1 at Restaurants

3X ThankYou® Points per $1 at Supermarkets

3X ThankYou® Points per $1 on Gas Stations and EV Charging Stations

10X ThankYou® Points per $1 spent on Attractions booked through CitiTravel.com

10X ThankYou® Points per $1 spent on Attractions booked through CitiTravel.com

10X ThankYou® Points per $1 spent on Car Rentals booked through CitiTravel.com

10X ThankYou® Points per $1 spent on Hotels booked through CitiTravel.com

3X ThankYou® Points per $1 on Air Travel

3X ThankYou® Points per $1 at Restaurants

3X ThankYou® Points per $1 at Supermarkets

3X ThankYou® Points per $1 on Gas Stations and EV Charging Stations

3X ThankYou® Points per $1 on Hotel Purchases

1X
Points on other purchases
Intro APR
N/A
Balance Transfer Intro
N/A
Regular APR
20.74% - 28.74% (Variable)
Annual Fee
$95
Citi Strata Premier®

The Citi Strata Premier℠ Card is a powerhouse for travelers and everyday spenders alike. Enjoy 10X points on hotels, car rentals, and attractions booked via CitiTravel.com, and 3X points on air travel, dining, groceries, and more. Benefit from a $100 annual hotel discount and no foreign transaction fees. With robust travel protection and easy points transfer to airline partners, it's your ticket to smarter spending and rewarding travel.

Application Tips
Get the best results with each application
Thinking About 2 Cards?

Notes: No direct line to the reconsideration department. They will usually only reconsider an application due to an error only.

Limit Increase
Credit Inquires
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Citi will usually pull your Experian credit report, sometimes Equifax, and sometimes Experian and Equifax (depending on your state, search your state in our credit card database)
Application Inquires Credit inquiries for all Personal Citi cards will be combined; also, credit inquiries for all Business Citi cards will be combined. Credit inquiries for Personal and Business card applications will not be combined.
Welcome Offer Eligibility:
Downgrade Options
Getting your card
Rescore your report: Executive call 605-331-1698 — 1-866-713-5028: Fax

When applying for a new credit card, keep your balances below 10% of your limit on each existing card. Pay down balances and wait for each card's closing date, avoiding new charges. Some banks let you update balances anytime by phone, and Chase will automatically report a $0 balance after payment.

Card Benefits
Card holder benefits
As a card member, you have access to a wide range of benefits that come included with your membership. Take a look.
Reward Terms
No items found.

Credits

$100 Annual Hotel Savings Benefit

Enjoy $100 off a single hotel stay of $500 or more, excluding taxes and fees, through thankyou.com, once per calendar year.

Travel Medical Insurance

Travel Protection Benefits

Help stay protected with travel insurances, including Trip Delay Protection, Common Carrier Trip Cancellation and Interruption Protection, Lost or Damaged Luggage, and MasterRental Coverage (car rental insurance).

Extra Redemption Value

Points Transfer

Transfer ThankYou Points to participating airline loyalty programs including TrueBlue, Virgin Atlantic Flying Club and Singapore Airlines KrisFlyer, to get flights faster. There is no fee, and the minimum transfer is only 1,000 points.

Citi Entertainment®

Citi Entertainment takes the once out of once in a lifetime. Get special access to purchase tickets to thousands of events, including presale tickets and exclusive experiences for the year's most anticipated concerts, sporting events, dining experiences and more.

Rewards redemption
Redeem your spending bonus
How to Redeem your valuable credits
Cash Redemption
Travel Redemption
Transfer your to any of the following Citi Travel Partners.
Points Transfer Partners
Ratio
Transfer Partner
Transfer Time
Ends
Type
No transfer partners found
Fees
Fees you may encounter as a cardmember
See Rates and Fees
Balance transfer Intro Offer
N/A
Balance transfer Fee
Balance transfer Terms
Foreign Transactions
foreign_transaction_fee

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Why We Like it

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Considerations

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Upgrade Your Wallet!
Citi Strata Premier® Click learn more to see if you qualify
Learn More
links to card app page
Learn More

More questions? More answers.

What's the difference between a credit freeze and a credit lock on Experian?
There is no actual difference. By law, a freeze needs to be offered for free. Experian wants to charge you so they offer a freeze for free but for a lock they want you to pay a membership. They both do the same thing
Is it possible to reallocate my credit limit from a personal Chase card to a business card?
No, you can only transfer credit limits from personal to personal or from business to business within Chase.
Does obtaining a credit limit increase from Chase involve a credit check?
No, Chase does not pull credit for a credit limit increase.
Additional resources
Travel & Shopping
Top 9 Cards for Online Shopping
links to article
Financial Planning
Why Every Business Should Have a Line of Credit
links to article
Financial Planning
Unsecured Line Of Credit. What It Is And How To Get One
links to article
Travel & Shopping
The 9 Best Cards for Online Shopping
links to article