Citi Strata Premier℠ Card

Citibank Mastercard Premier Pending

Back Apply Now

15

Benefits

6

Reward Categories

10x

Max Reward

21.2%

APR From

Basic Information

PENDING

Program ID: citi-strata-premier-card

Issuer: Citibank

Card Name: Citi Strata Premier℠ Card

Card Type: Credit

Network: Mastercard

Card Tier: Premier

Approved: Pending

Data Complete: Complete

Created: Jan 15, 2026 15:40

Last Scraped: Feb 08, 2026 15:25

Apply URL: Visit

Home URL: Visit

Rewards Program (Detailed) 6 Categories

PENDING

Category	Rate	Type	Description	Annual Cap
Travel Booked via CitiTravel.com	10x	Points	Earn 10x ThankYou® Points on hotels, car rentals, and attractions booked through CitiTravel.com.	No Cap
Groceries	3x	Points	Earn 3x ThankYou® Points on purchases at supermarkets.	No Cap
Dining	3x	Points	Earn 3x ThankYou® Points on purchases at restaurants.	No Cap
Gas	3x	Points	Earn 3x ThankYou® Points on purchases at gas stations.	No Cap
Flights	3x	Points	Earn 3x ThankYou® Points on air travel purchases.	No Cap
All Other Purchases	1x	Points	Earn 1x ThankYou® Point on all other eligible purchases.	No Cap

Rewards Summary

PENDING

Reward Type: Points

Base Rate: 1x

Bonus Rate: 10x

Categories: 10x on Hotels, Car Rentals, and Attractions booked through Citi Travel; 3x on Restaurants, Supermarkets, Gas Stations, and Air Travel; 1x on all other purchases

Quarterly Rotating: No

Cap Amount: $100,000.00

Expiration Policy: Points do not expire as long as your account is open and in good standing.

Point Value: 0.01¢

Travel Portal Multiplier: 10x

Transfer Partners: Aeromexico Rewards, Air France-KLM Flying Blue, Avianca LifeMiles, Cathay Pacific Asia Miles, Emirates Skywards, EVA Air Infinity MileageLands, Etihad Guest, JetBlue TrueBlue, Qantas Frequent Flyer, Qatar Airways Privilege Club, Singapore Airlines KrisFlyer, Turkish Airlines Miles&Smiles, Virgin Atlantic Flying Club, Choice Privileges, Wyndham Rewards

Benefits & Protections (Detailed) 15 Total

PENDING

Lifestyle 1

Concierge Service

24/7 Personal Assistant

Access to a 24/7 personal concierge service for assistance with travel planning, dining reservations, entertainment tickets, and more.

Purchase Protection 2

Extended Warranty Protection

Up to 24 months additional warranty, up to $10,000 per item

Extends the manufacturer's warranty for eligible items purchased with your card by an additional 24 months, on warranties of five years or less. Coverage is limited to $10,000 per item and $50,000 per year.

Damage and Theft Purchase Protection

Up to $1,000 per item for 90 days

Covers eligible new purchases made with your card against damage or theft for 90 days from the date of purchase. Coverage is limited to $1,000 per item and $50,000 per year.

Rewards 7

Bonus ThankYou Points on Air Travel

3X ThankYou Points

Earn 3 ThankYou Points per $1 spent on air travel.

Bonus ThankYou Points on Hotels

3X ThankYou Points

Earn 3 ThankYou Points per $1 spent on hotels.

Bonus ThankYou Points on Restaurants

3X ThankYou Points

Earn 3 ThankYou Points per $1 spent at restaurants.

Bonus ThankYou Points on Supermarkets

3X ThankYou Points

Earn 3 ThankYou Points per $1 spent at supermarkets.

Bonus ThankYou Points on Gas Stations

3X ThankYou Points

Earn 3 ThankYou Points per $1 spent at gas stations.

Base ThankYou Points on Other Purchases

1X ThankYou Point

Earn 1 ThankYou Point per $1 spent on all other purchases.

ThankYou Points Transfer to Travel Partners

Flexible Point Transfers

Transfer ThankYou Points to a variety of participating airline and hotel loyalty programs, typically at a 1:1 ratio for most partners.

Security 3

Fraud Protection

Zero Liability

You will not be held responsible for unauthorized charges made with your card, thanks to Citi's Zero Liability policy.

Citi Identity Theft Solutions

Identity Theft Assistance

Access to Citi Identity Theft Solutions for assistance with identity theft resolution services if your identity is stolen.

Virtual Account Numbers

Enhanced Online Security

Generate unique, temporary credit card numbers for online purchases to help protect your actual card number from being compromised.

Travel 2

Annual Hotel Savings Benefit

$100 Annual Hotel Credit

Receive $100 off a single hotel stay of $500 or more (excluding taxes and fees) when booked through thankyou.com. This benefit is available once per calendar year.

No Foreign Transaction Fees

0% Foreign Transaction Fees

Pay no foreign transaction fees on purchases made outside the United States.

Benefits Summary (Flags)

PENDING

Extended Warranty

Purchase Protection

Cell Phone Protection

Travel Insurance

Primary Rental Protection

Airport Lounge Access

Trip Delay Coverage

Lost Luggage Coverage

Price Protection

Concierge Service

No Foreign Fees

ShopRunner

Global Entry Credit: $100

TSA PreCheck Credit: $85

Sign-Up Bonus

PENDING

70,000

Points/Miles

Requirement: Spend $4,000 in 90 days

Timing: Bonus ThankYou® Points will be posted to your account within 8 to 10 weeks after you've met the spend requirement.

Fee Structure

PENDING

Annual Fee:	$95.00
Year 1 Waived:	No
Effective Annual Fee:	$-5.00
Authorized User Fee:	$0.00
Penalty APR:	29.99%
Min Interest Charge:	$2.00

Additional Fees

PENDING

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 & APR

PENDING

Standard APR

Purchase APR: 21.24% - 29.24%

Balance Transfer APR: 21.24%

Cash Advance APR: 29.99%

Intro APR Offers

Approval Criteria & Requirements

PENDING

Credit Score Requirements

Recommended FICO Score

740 - 850

Approval Odds

Very Good

Soft Pull Support

Supported

Application Process

Prequalification

Available

Preapproval

Not specified

Credit Bureau

Experian, Equifax, TransUnion

Issuer Rules & Policies

PENDING

Rules: To be eligible for the new cardmember bonus, applicants must not have received a new cardmember bonus for the Citi Strata Premier Card, Citi Premier Card, or any other ThankYou Points-earning card (e.g., Citi Custom Cash, Citi Rewards+) within the past 24 months. Citibank generally limits new card approvals to 1 card every 8 days and 2 cards every 65 days across all Citibank products. General eligibility requirements include being 18+ years old, having a valid SSN/ITIN, and possessing an excellent credit history.

Max Cards Per Issuer: 0

Min Spend Interval: 3-6 months

Shutdown Risk Triggers: Manufactured spending, excessive credit seeking, high cumulative credit limit across all Citibank products, not utilizing cards after bonus, frequent balance transfers without repayment, defaulting on payments, suspicious account activity, or repeated opening and closing of accounts.

Cliff Effect Rules: The primary cliff effect is the 24-month rule for new cardmember bonuses. If you have received a bonus on the Citi Strata Premier Card, Citi Premier Card, or any other ThankYou Points-earning card (e.g., Citi Custom Cash, Citi Rewards+) within the last 24 months, you are ineligible for the bonus on the Citi Strata Premier Card. This rule applies across the entire ThankYou Points family of cards.

International Friendly: Yes

User Analytics & Insights

PENDING

User Ratings

Average Rating: 4.0 / 5.0

Top Positive:
Excellent rewards on travel, dining, supermarkets, and gas; flexible redemption options including transfer partners; no foreign transaction fees; solid sign-up bonus.

Top Negative:
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: 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

Approval Probability: 80.0%

Version Control

PENDING

Version ID: v1.0