Citi Strata Premier℠ Card Review (2026.7 Update: 60k Offer + Additional $100 Bonus From Rakuten)

physixfan 2026-07-04 2026-07-04

[2026.7 Update] Besides the 60k offer provided by Citi itself, third party website Rakuten offers an additional $100 cashback.Note that if you choose to earn MR on Rakuten you may see $0 additional cashback, you need to choose to earn cashback/Bilt on Rakuten.HT: DoC.

[2025.4 Update] The higher offer is expired.The current offer is 60k.

[2024.5 Update] Card name changed from Citi Premier to Citi Strata Premier.

New offer is 75k.Main difference: Added 10x TYP earning on CitiTravel.com; added 3x TYP earning on EV charging; added trip delay insurance (hours).

Application Link

Benefits

60k offer: earn 60,000 ThankYou Points (TYP) after spending $4,000 in first 3 months.The best recent offer is 80k.
We estimate that ThankYou Points (TYP) are worth about 1.6 cents/point, see below for a brief introduction.So the 80k highest sign-up bonus is worth about $1,280!
If you have this card, you can transfer your TYP to partner airlines miles.
Besides, with this card, you can also cash out TYP at a fixed ratio 1 cent/point.
Points Earning Structures:
10x TYP on Hotel, Car Rentals and Attractions booked through CitiTravel.com.
3x TYP at Air Travel and Other Hotel Purchases, at Restaurants, Supermarkets, Gas Stations, and EV Charging Stations;
1x TYP on all other purchases.
$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.
Trip Delay Insurance (6 hours).
No foreign transaction fee.

Disadvantages

$95 annual fee, NOT waived for the first year.

Introduction to TYP

You can earn TYP with Citi Strata Elite, Citi Strata Premier, Citi Strata, Citi Custom Cash, Citi Double Cash, etc.

You can add all these cards into the same thankyou.com account, and points that are about to expire will be redeemed first in the order in which they expire automatically.

In most cases, TYP never expire.But closing account, product change, or receiving points from other people may cause TYP on that account to expire.

If you have Citi Strata Premier or Citi Strata Elite or Citi Prestige (Discontinued), TYP can be transferred to some airline miles.The best way to use TYP is to 1:1 transfer them to American Airlines miles (Oneworld) or EVA Air (BR) miles (Star Alliance).Other good options are: Cathay Pacific (CX) miles (Oneworld), Avianca (AV) miles (Star Alliance), Singapore Airlines (SQ) miles (Star Alliance), Flying Blue miles (SkyTeam), Virgin Atlantic (VS) miles (Non-alliance), etc.

If you use TYP in this way, the value is about 1.6 cents/point.

You can redeem your TYP at a fixed rate 1 cent/point towards cash.

If you have Citi Prestige (Discontinued), you can redeem your TYP at a fixed rate 1.25 cents/point towards air tickets on thankyou.com.This is a common way to use TYP.Points+cash is available when redeeming for air tickets, so no need to worry if you do not have enough TYP.

If you have Citi Rewards+ (Discontinued), you can get 10% back when redeeming TYP, up to 100k TYP per year.This feature further boosts the value of TYP.

[Expired]

In summary, we estimate that TYP are worth about 1.6 cents/point.

For more information about TYP, see Maximize the Credit Card Points Values (overview), and Introduction to TYP: How to Earn & Introduction to TYP: How to Use (very detailed).

Recommended Application Time

[1/24 Rule] Bonus ThankYou Points are not available if you received a new cardmember bonus for Citi Rewards+, Citi ThankYou Preferred, Citi Premier or Citi Prestige, or if you have closed any of these cards, in the past 24 months.Product change is treated as account closure if the account number is changed.[Update] Despite what the term says, if you convert a non-TYP card (e.g.Citi AA card) to a TYP card, this action will reset the 24 month clock and affect the bonus eligibility!
[1/48 Rule] Bonus ThankYou® Points are not available if you received a new account bonus for a Citi Premier® or Citi Strata Premier® account in the past 48 months or if you converted another Citi credit card account on which you earned a new account bonus in the last 48 months into a Citi Premier® or Citi Strata Premier® account.
[8/65 Rule] You can apply for at most 1 Citi cards every 8 days, and at most 2 Citi cards every 65 days, no matter approved or not.
Citi values the number of recent hard pulls a lot, we recommend you apply when there’s less than 3 hard pulls in the past 6 months (Citi generally requires less than 6 hard pulls, but this card is different).
We recommend you apply for this card after you have a credit history of at least one year.

Summary

In 2020, this card becomes stronger.

The ability to earn 3x TYP on restaurants and supermarkets is very useful.If you want to play with the ThankYou Points (TYP) system, you need either Citi Premier or Citi Prestige to make redemptions.Nowadays Citi Prestige becomes weaker and weaker with a really high annual fee, and Citi Premier is a better choice for most people in my opinion.

Related Credit Cards

Recommended Downgrade Options

Citi Rewards+.We recommend you downgrade this card to these no annual fee cards that can earn TYP, because you can keep your TYP if so.

If you downgrade this card to DC/Dividend, the TYP you earned from this card will expire in 60 days.

Historical Offers Chart

Note 1: The offer before 2015.4 is: earn 20k TYP after spending $2000 in the first 3 months, and another 30k after spending $3000 in the first 3 months of next year.

Note 2: The 60k offer in 2015.9 is a special link, and it probably is a glitch, so we should not expect it to appear again in the near future.

Application Link

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Frequently Asked Questions

Certainly. Unlike personal loans, you won't face any penalties for settling your balance ahead of schedule. However, it's crucial to keep in mind that if your credit card comes with a 0% introductory offer, it's essential to clear your balance completely before the 0% promotion expires and interest charges apply.

However, you can include additional cardholders, each with their own card. While sharing the single credit limit, the primary cardholder remains responsible for settling the debt.

Potentially, yes. Credit card APRs are typically variable, allowing lenders to change rates, impacting your monthly payments. Additionally, be mindful that introductory 0% offers can lead to higher interest rates once they expire. So, it's wise to clear your balance before that happens, if feasible.

Indeed, credit builder cards exist for those with less-than-ideal credit scores. These cards offer lower credit limits (typically £150 to £1,200) and higher interest rates. Responsible use, including full and on-time payments, can gradually boost your creditworthiness, potentially opening doors to better credit card offers down the line.