27 valuable benefits of the new Citi Strata Premier card [2024]

If you're a frequent traveler who wants to take advantage of the benefits of a premium travel rewards card but don't want to pay a high annual fee, consider Citi Strata Premier℠ Card. If most of your spending is on travel, gas, entertainment, and dining, this card's high earnings will make it easy to rack up rewards quickly. You can also easily redeem your points through a variety of flexible options, including travel.

Let’s take a look at the long list of benefits of the Citi Strata Premier card.

There are many ways to earn Thank You Rewards points

The Citi Strata Premier Card is great for travelers because reward earning categories include common travel purchases like restaurants and flights. Rewards are also valuable because they are earned in the form of Thank You Points, with a variety of flexible redemption options.

1. Get a generous welcome bonus

You can get it by meeting the minimum spending requirements within the first 3 months after the card is approved. Welcome bonus worth hundreds of dollars.

Current welcome bonuses:

  • Earn 70,000 BONUS THANK YOU® Earn points after spending $4,000 in purchases within the first 3 months of account opening, which can be redeemed for a $700 gift card or travel reward at thankyou.com

2. Earn 10 times points when purchasing travel products

As you earn points, they add up quickly Earn 10x Thank You Points when booking hotels and rental cars through CitiTravel.com.

This card can also earn money 3x points on flights and all other hotels Buy (Including through travel agencies.)

3. Earn 10x points by visiting attractions

Cardholders can earn Earn 10x points when booking attractions through CitiTravel.com. There are many options including guided tours, museum tickets, local attractions, transportation and theme park tickets.

Citi Travel Portal Attractions
Citi Strata Premier cardholders can earn 10x points at attractions. Image source: Citi

4. Earn money by eating out

Whether you're grabbing a late-night burger, enjoying a high-end dining experience, or enjoying lunch at an outdoor cafe, you'll earn 3x points About catering.

5. Refuel and charge electric vehicles at gas stations

Do you commute frequently? Use your Citi Strata Premier card to earn 3x points at gas stations and electric vehicle charging stations.

6. Earn 3x points when shopping at supermarkets

If you're like most people, grocery shopping is a big expense. Load these purchases onto your Citi Strata Premier card and you'll earn 3x points.

7. Earn revenue from all other purchases

Earn on every purchase you make with the Citi Strata Premier Card At least 1 thank you point.

8. Make money without limits

Unlike some travel rewards cards that limit the amount you spend to earn higher rewards in a rewards category, the Citi Strata Premier Card has no such limit.

Bottom line:

Frequent travelers will find the Citi Strata Premier Card great because you can earn at least 3x Thank You Points on restaurants, flights, rental cars, attractions, and purchases at gas stations and electric vehicle charging stations.

Travel benefits and protection

9. Save $100 on hotel stays

save $100 on hotel reservations through CitiTravel.com When the total cost (excluding taxes and fees) exceeds $500. This benefit can be used once per calendar year.

10. Travel protection

The Citi Strata Premier card comes with travel insurance and protection to help you travel with confidence:

  • Trip delay protection
  • Common Carrier Trip Cancellation and Interruption Protection
  • Lost or damaged luggage
  • MasterRental Insurance (Car Rental Insurance)

11. No foreign transaction fees

Take your Citi Strata Premier card with you when you travel because there are no foreign transaction fees when shopping abroad.

Hot Tips:

The Citi Strata Premier Card has replaced the Citi Premier Card® Card, no longer available.

Share benefits with others

12. Add new authorized users to get more income

There's no fee to add an authorized user to your Citi Strata Premier card, and they'll earn Thank You Points for their purchases.

13. Share points between accounts

There are no fees to transfer Thank You Points between accounts. You can send up to 100,000 points and receive up to 100,000 points in a calendar year. However, you should only share points when you have a specific redemption in mind, because Shared points expire 90 days after receipt.

Singapore Airlines Boeing 777 First Class - Flat bed and linen
Transfer Thank You Points for flights to Japan with Singapore Airlines. Photo credit: Greg Stone

Redeem your Thank You Points rewards

One of the reasons why Thank You Points are so valuable is their flexibility. There are many ways to use your Thank You Points, including transferring them to airline and hotel loyalty programs, purchasing travel or redeeming merchandise, gift cards or cash back.

14. Transfer points to airline and hotel loyalty programs

Transferring points to airline and hotel loyalty programs can add tremendous value to your Thank You points. To do this, log into your online Citi Strata Premier account and click View/Redeem,Then More redemption methods.

How to Redeem Points with Citi Strata Premier Card
Image source: Citi

Then scroll to the bottom of the page and click Points transfer.

Citi Strata Premier Points Transfer
Image source: Citi

For most transfer partners, ThankYou points transfer at a 1:1 ratio (minimum 1,000 points). Exceptions include Accor Live Limitless (1,000:500), Choice Privileges (1,000:2,000) and Leaders Club (1,000:200).

15. Redeem travel through CitiThankYou Travel Portal

Your Thank You Points are worth 1 cent each when redeemed for travel through CitiTravel.com.

16. Shift shopping your way

Converting your ThankYou points into Shop Your Way points is a great option, with each point bringing a value of 1 cent. One Thank You Point is equivalent to 10 Shop Your Way Points.

17. Pay with points

You can use points to pay for charges on your bill, but you'll only get a value of 0.8 cents per point.

18. Redeem gift cards

Generally speaking, your Thank You Points are worth 1 cent each when redeemed for gift cards, which means 2,500 Thank You Points will earn you $25 at one of our many retail partners.

19. Use points to shop

While redeeming points for cash back or merchandise isn’t the best value for points, it’s an option if you need it. The value you get varies by retailer, but averages 0.8 cents per point.

Use your Citi Points to shop on Amazon
You can use Citi Thank You Points to shop at amazon.com. Image source: Citi

20. Make charitable donations

Redeem your Thank You Points, worth 1 cent each, for charitable donations to organizations like the American Red Cross, No Kid Hungry, Susan G. Komen or Smile Train.

Bottom line:

While the value of the Thank You Points you receive may vary, there is tremendous value in having the flexibility to choose the best redemption method for your situation.

Leisure and entertainment benefits

21. Reading Concierge

With the Citi Strata Premier card, you have 24/7 access to Citi experts® Concierge dedicated phone line. Get help with travel, shopping, entertainment and dining out. Concierge staff are just a phone call away to help you reserve concert tickets, dinner or plan your dream vacation.

22. Citi Entertainment

Receive special event participation rights, exclusive invitations, dining benefits, ticket pre-sale privileges, preferential prices, and more.

World Elite Mastercard Benefits

Some of the benefits introduced below are actually World Elite Mastercard benefits provided for free with the Citi Strata Premier card. The list of benefits for the World Elite Mastercard is long, but here are some of the most noteworthy:

23. Benefits of luxury hotels and resorts

Enjoy upgraded rooms, hotel amenities, points used during your stay, late check-out, free breakfast and more at more than 2,000 luxury hotels around the world.

24. World Elite Aviation Program

Enjoy up to 25% off premium flights on multiple airlines.

25. Priceless Mastercard Golf Experience

Get special access to courses worldwide, even private lessons, and enjoy membership benefits. Enjoy select tee times, access to member amenities, discounted rates and more.

26. Purchase Protection

If you use your Citi Strata Premier Card to purchase an eligible item and the item is damaged or stolen within 90 days of the purchase or delivery date, you may be reimbursed up to $10,000 per incident. The maximum purchase protection limit is $50,000 per calendar year.

27. Extended warranty

It's puzzling why products seem to break after the manufacturer's warranty expires. This benefit extends the manufacturer's warranty on eligible merchandise by 24 months. It applies to items with a manufacturer's warranty of 5 years or less and has a coverage limit of $10,000 per item.

final thoughts

Citi Strata Premier card with low annual fee $95, a good alternative to high-end travel rewards cards. You won't get free lounge access or hotel elite status, but you won't have to pay a hefty annual fee, either.

This card offers the perfect combination of bonus rewards, earning opportunities for the purchases travelers make most, and plenty of flexible options to redeem those points for great value.

Information about Citi Premier® The card has expired and is no longer available to applicants.

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