Citi Strata Premier℠ Card
Basic Information
Program ID: citi-strata-premier-card
Issuer: Citibank
Card Type: Credit
Network: Mastercard
Card Tier: Premium
Data Complete: Yes
Created: 01/15/2026 15:40
Last Scraped: 01/15/2026 15:43
Fee Structure
| Annual Fee: | $95.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $-5.00 |
| Authorized User Fee: | $0.00 |
| Penalty APR: | 30.00% |
Additional Fees
| Late Fee: | $41.00 |
| Returned Payment: | $41.00 |
| Balance Transfer: | Either $5 or 5% of the amount of each transfer, whichever is greater. |
| Cash Advance: | Either $10 or 5% of the amount of each cash advance, whichever is greater. |
| Foreign Transaction: | 0.00% |
Interest Rates
Purchase APR Range: 2,124.00% - 2,924.00%
Intro Purchase APR: 0.00%
Intro APR Duration: 12 months
Balance Transfer APR: 2,924.00%
Intro BT APR: 0.00%
Intro BT Duration: 12 months
Cash Advance APR: 2,999.00%
Sign-Up Bonus
Bonus Amount: $75,000.00
Spending Requirement: $4,000.00
Time Period: 90 days
Bonus Timing: Points typically post within 1-2 billing cycles after the spending requirement is met. While official terms may state 8-12 weeks, points often appear much sooner, sometimes within a few days of the statement closing after the requirement is fulfilled.
Rewards Program
Reward Type: ThankYou Points
Base Reward Rate: 1.00%
Bonus Reward Rate: 10.00%
Bonus Categories: 10x Hotels, Car Rentals, and Attractions booked via Citi Travel Portal; 3x Air Travel, Other Hotels, Supermarkets, Restaurants, and Gas Stations
Point Value Estimate: 0.0200 cents/point
Expiration Policy: Points do not expire as long as the account is active and in good standing.
Transfer Partners: Avianca LifeMiles, Cathay Pacific Asia Miles, Emirates Skywards, Flying Blue (Air France-KLM), JetBlue TrueBlue, Singapore Airlines KrisFlyer, Turkish Airlines Miles&Smiles, Virgin Atlantic Flying Club, Choice Privileges, Wyndham Rewards
Card Benefits
Protection Benefits
- Extended Warranty
- Purchase Protection
Travel Benefits
- Travel Insurance
- Primary Rental Protection
- Trip Delay Coverage
- Lost Luggage Coverage
- No Foreign Transaction Fees
Premium Benefits
- Airport Lounge Access
- Concierge Service
- Global Entry Credit: $100.00
- TSA PreCheck Credit: $100.00
Approval Criteria
Recommended FICO Range: 700 - 850
Approval Odds Category: Good
Pre-qualification Available
Soft Pull Supported
Hard Pull Bureau: Experian, TransUnion, Equifax
Issuer Rules
Rules: Eligibility for the Citi Strata Premier Card bonus in 2026 is expected to follow Citibank's established 24-month rule: applicants must not have received a sign-up bonus for the Citi Strata Premier Card, Citi Rewards+ Card, Citi Custom Cash Card, or any other card within the Citi ThankYou Points family, within the past 24 months. General application eligibility requires a strong credit history, a good to excellent credit score, and meeting age (18+ or 21+ in some states) and residency requirements. Citibank also enforces application velocity rules, typically limiting new card applications to one every 8 days and two every 65 days.
Maximum Cards Per Issuer: 99
Minimum Spend Interval: 3 months
Shutdown Risk Triggers: Manufactured spending, excessive credit limit across all Citi accounts, rapid application for multiple Citi cards (violating velocity rules), suspicious spending patterns (e.g., large gift card purchases, round numbers), frequent balance transfers without genuine spending, abuse of return policies, or failure to pay on time.
International Friendly
User Analytics & Insights
User Ratings
Average Rating: 4.0 / 5.0
Top Positive Feedback:
Excellent rewards on travel, dining, supermarkets, and gas; flexible redemption options including transfer partners; no foreign transaction fees; solid sign-up bonus.
Top Negative Feedback:
Annual fee not offset by statement credits; lacks premium travel perks like lounge access; point valuation can be lower for cash back; inconsistent customer service.
Approval Experience Score: 80.0 / 100
Recommended Alternatives
- Chase Sapphire Preferred Card
- Capital One Venture Rewards Credit Card
- American Express Green Card
Card Value Score: 85.0 / 100
Est. Annual Rewards: $700.00
User Portfolio Metrics
Avg Portfolio Size: 3 cards
Avg Portfolio Age: 48 months
Store vs Co-brand: 100% General / 0% Store
Risk Assessment
Default Risk Group: Low
Predicted Approval Probability: 80.0%
Terms Version Control
Version ID: v1.0
Terms have been recently updated. See 'What's New' section for details.
Summary of Changes: