Citi Strata Premier replaces Premier card

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The Citi Premier® card just got a new look and some extra benefits. Citi launched the Citi Strata Premier Card in early May 2024, refreshing its popular mid-tier travel card to bring more value to cardholders without raising annual fees.

Whether you're interested in applying for a Premier card or are an existing cardholder, here's what you need to know about the revamp.

Strata Premier offers more rewards and protection

Prior to this announcement, the Citi Premier card earned 10 points for every US$1 spent on hotel, car rental and attraction bookings through the Citi Travel portal through June 30, 2024. card, this reward rate will become permanent.

The new card also offers 3 points for every $1 spent at electric vehicle charging stations.

Cardholders earn 3 points per dollar spent at restaurants, supermarkets, gas stations, air travel and hotels, and 1 point per dollar spent on all other purchases, in addition to These bonus categories are available.

Plus, the card now offers more travel protection benefits, making it a better option for paying for travel purchases. New and existing cardholders will receive the following benefits:

  • Trip Cancellation and Interruption Insurance: If your trip is canceled or shortened for a covered reason, certain non-reimbursable expenses charged by the common carrier may be reimbursed.
  • Trip delay insurance: If your trip is delayed by a common carrier for a qualifying amount of time, certain expenses, such as food and hotel accommodations, may be reimbursed.
  • Lost or damaged luggage insurance: Provides coverage for personal items lost or damaged by a common carrier.
  • Master Lease Coverage: Collision damage waiver coverage is available if you are involved in an accident while driving a rental car (when you pay with this card and decline the rental company's coverage at the counter).

The new Strata Premier card also retains the hotel credit card benefits of the original card, and cardholders can enjoy a $100 discount when booking a single hotel stay of $500 or more (excluding taxes and fees) through the Citi Travel Portal. You can receive benefits once per calendar year.

Apply now and get a higher welcome offer

To celebrate the card's relaunch, Citi is offering an even bigger welcome bonus for a limited time: 75,000 bonus points when you spend $4,000 in purchases within the first three months of account opening.

For context, the card's standard reward is 60,000 bonus points when you spend $4,000 in purchases within the first three months. In other words, if you apply before the offer ends, you'll get an extra $150 in travel, cash back, or gift card value.

Also keep in mind that you may get more value from your redemption by transferring your Thank You Points to one of Citi's many airline and hotel loyalty program partners and booking award travel.

Should you apply for a new Citi Strata Premier card?

If you already have a Premier card, you'll automatically receive the Citi Strata Premier Card's new bonus rates and travel protection benefits. However, if you want a new card design, you'll need to wait until your current card expires. After this adjustment, the $95 annual fee remains unchanged.

If you're not already a cardholder, the new welcome bonus is tempting — although Citi has offered up to 80,000 bonus points in the past.

However, if you're considering applying for a new Citi Strata Premier card, it's important to understand everything. Look at your spending habits and travel plans to evaluate whether the card's rewards rate and benefits are right for you.

Also, take some time to shop around and compare this card to other top travel credit cards. Whether you're looking for a card with no annual fee or one that offers more premium benefits, there may be an option that better suits your habits and needs.

Those who don't want to pay an annual fee may prefer a card like the Bilt Mastercard®, which rewards spending on dining, travel and rentals. Meanwhile, those looking for truly premium experiences and willing to pay an annual fee in exchange for them may want a card like the American Express Platinum Card®, which offers access to a wide range of airport lounges.

View American Express Platinum Card® rates and fees, lookthis page

Birt MasterCard®

View rates and fees

Special Announcement

The Bilt Mastercard offers a unique rental earning points feature.


The biggest winners with the new Citi Strata Premier are existing cardholders, who don't have to do anything to take advantage of the new rewards rates and travel benefits. However, new applicants will appreciate the limited-time welcome offer the card is offering upon its relaunch.

If you're considering a new Strata Premier card, take a closer look at the card's features and research alternatives to make sure you get the best card for you.

Regardless, it's refreshing (pardon the pun) to see a credit card revamp that adds value without increasing the annual fee, as it goes against the trend we've seen with many recent credit card revamps.

Fortune Recommends™ partners with CardRatings to cover credit card products. Fortune Recommends™ and CardRatings may receive commissions from card issuers.

Please note that card details are accurate as of the date of publication but may be changed by the card issuer at any time. Please contact your card issuer to verify rates, fees and offers before applying.

Eligibility and benefit levels vary by card. Terms, conditions and restrictions apply. Please visit the guide for more details. Underwritten by American Express Insurance Company.

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