11 Strata Premier Card Benefits That You Didn’t Know About

• Written by Stacy Sare Cohen
  

  Stacy Sare Cohen

  How to build credit, credit card travel rewards, credit card rewards

  Stacy Sare Cohen has been writing digital content for more than 10 years, helping her readers make the best financial decisions for the products they are considering buying based on their credit scores, budget and lifestyle. At the top of her list is credit cards. Stacy helps readers navigate the confusing and complex world of credit cards, breaking down the particulars and fine print for the benefit of her readers. Her favorite thing to do is help Card Critics visitors find the best signup bonuses and rewards, recommending the right cards based on reader credit scores and interests, such as travel. Stacy informs when a high annual fee makes sense and when it doesn’t. Stacy graduated with a BA in English from the University of California, Los Angeles and a Master of Arts in Teaching from Monmouth University. You can read her stories and articles in CardCritics, GoBankingRates, Forbes and elsewhere.

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• Edited by Emily Gadd
  

  Emily Gadd

  Credit Cards, Personal Finance, Health & Wellness

  Emily Gadd is an editor, responsible for writing about personal finance and credit cards. She got her start writing and editing at Healthline. She is passionate about creating educational content that makes complex topics accessible. Emily lives in Seattle with her husband and two cats.

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• Last Updated Apr 3, 2025

Citi® (an advertising partner) recently gave its classic Citi Premier travel card a new identity, rebranding it as the Citi Strata Premier® Card. The rebranded card takes the former’s popular benefits to new heights with higher bonus spending categories, added travel protections and a limited-time welcome bonus with surprising new benefits worth writing home about.

$100 Annual Hotel Savings Benefit 

Cardholders who spend $500 on a single hotel stay through CitiTravel.com will enjoy $100 off their hotel bill every year, excluding taxes and fees. This benefit is applied at the time you make a qualified booking.

Earn up to 10X Points Per Dollar

You can also take advantage of the following spending rewards benefits:

• 10X spent on Hotels, Car Rentals, and Attractions booked on CitiTravel.com.
• 3X on airlines
• 3X at restaurants
• 3X on hotel stays not booked through the Citi Travel portal
• 3X at supermarkets
• 3X at gas stations and EV charging stations
• 1X on all other purchases

These rewards can be combined with your other Citi cards, such as the Citi Double Cash® Card or Citi Custom Cash® Card , for fully transferable points.

No Foreign Transaction Fees

Card members will not pay foreign transaction fees when traveling abroad. Many other cards charge 3%-5% on all foreign transactions which adds up very quickly if you travel internationally, making the Strata Premier Card a big money saver.

Welcome Bonus

New Strata Premier Card members receive 60,000 bonus ThankYou® Points after spending $4,000 in the first three months of opening an account. These points are redeemable for $600 in travel rewards or gift cards on thankyou.com. 

Note: Members who received a welcome bonus for the Premier card or the Strata Premier within the last four years are not eligible for this offer. They must wait 48 months from receiving the intro bonus to qualify.

Transfer ThankYou Points to Airline Loyalty Programs

ThankYou points can be transferred to airline loyalty programs when you fly through:

• TrueBlue
• Singapore Airlines KrisFlyer
• the Virgin Atlantic Flying Club

You’ll need a minimum of 1,000 points to qualify for the transfer, however, no fee is required.

Shopping Protection Benefits and Perks

The Strata Premier Card perks and benefits provide convenience while keeping your credit card information safe.

• Digital Wallets – Digital wallets allow you to pay for purchases using your favorite apps such as ApplePay, Google or PayPal, saving time and keeping your credit card information safe from prying eyes. Plus, you’ll never leave your credit card on the counter when you’re in a hurry. 
• Save on Purchases with the Citi Shop App – Strata Premier Card members can access special savings at over 5,000 online merchants by downloading the Citi Shop App browser extension.
• Virtual Account Numbers: Create a virtual account number to conceal your credit card number from hackers over the internet. Your digital number substitutes your Strata Premier Card number with one click providing a safer online shopping experience.

Travel Protections

Feel confident with the following travel protections when unpredictable situations arise.

• Lost or Damaged Luggage: Get reimbursed for lost or damaged luggage. Terms apply.
• Trip Cancellation, Trip Interruption or Trip Delay: Card members may cancel, interrupt, or delay their trip when there’s an emergency or a death in the immediate family. Terms apply.
• MasterRental Coverage (Car Rental): Your Strata Premier Card offers an extra layer of protection if your rental car is damaged or stolen. MasterRental Coverage will pay the difference your primary insurance won’t cover, so you can comfortably decline the rental car company’s expensive insurance.

The Bottom Line

The Strata Premier Card is a solid credit card option for consumers with good to excellent FICO scores (670 to 850*). The card offers appealing travel benefits, perks and protections for a $95 annual fee that is pretty easy to justify given the ongoing benefits. To learn more, read our Strata Premier Card review.