Citi Strata Premier® Card
4.5
4.5
MoneyAtlas
Rating
Earn 60,000 bonus ThankYou® Points after spending $4,000 in the first 3 months of account opening, redeemable for $600 in gift cards or travel rewards at thankyou.com.
Ongoing Annual Fee
$95
Ongoing Purchases APR
20.24%-28.24% Variable
Ongoing Balance Transfer APR
20.24%-28.24% Variable
Credit Score Needed
Pros
10x on travel booked via Citi Travel: Best travel earn when booking hotels, rentals, or attractions through Citi’s portal
$100 hotel credit annually: One $100 discount on a hotel stay of $500+ booked via Citi Travel
Transferable ThankYou® points to partners: Can transfer points to airlines and hotel programs like JetBlue, Virgin, and Choice
Cons
$95 annual fee with no 0% intro APR: Fee applies immediately and no promotional APR is offered
Not ideal if booking outside Citi Travel: 10x rewards and hotel credit only apply through Citi’s travel portal