- Sign-Up Bonus
- 3.5
- Spending Multipliers
- 4
- Credits & Features
- 3
- Fees
- 4.5
- Application
- 3.5
- Issuer
- NaN
Summary
- Sign-Up Bonus
- 3.5
- Spending Multipliers
- 4
- Credits & Features
- 3
- Fees
- 4.5
- Application
- 3.5
- Issuer
- NaN
The Citi Strata Premier Card from Citibank is a travel-focused rewards card designed for frequent travelers who want straightforward earnings and valuable annual credits to help offset costs. With a $100 annual hotel credit — available after spending $500 and booking through the Citi travel portal — and no foreign transaction fees, this card is ideal for globetrotters who want to make the most of their travel spend without paying extra on purchases abroad. Although there’s an annual fee that isn’t waived the first year and rewards are capped at a 1x catch-all category, the built-in hotel credit effectively reduces the card’s net cost for travelers who can take advantage of it each year. The Citi Strata Premier card benefits those who value simple rewards and travel perks over complex bonus structures, offering everyday earnings and cost savings for seasoned explorers and vacation planners alike.
Pros
Cons
Issuer
Spending Multipliers
Credits & Features
Application
- Citi has a strict 8/65 rule, meaning you can only apply for 1 Citi card every 8 days and at most 2 Citi cards every 65 days
- Welcome bonus is only available if you didn’t receive one in the last 48 months
- Number of hard pulls have a huge impact on Citi applications, consider having less than 3 hard pulls in the past 6 months
- Consider having at least a credit history for 1 year
Fees
- $95 Annual Fee
- No Foreign Transaction Fee
- Up to $41 late fee
- Up to $41 return payment fee
- 19.49% - 27.49% Variable APR
- 29.74% APR for Cash Advance
- $10 or 5% of each cash advance amount (whichever is greater)
- 19.49% - 27.49% APR for Balance Transfer
- $5 or 5% of each transfer amount (whichever is greater)