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Your Best Credit Cards has partnered with CardRatings for our coverage of credit card products. Your Best Credit Cards and CardRatings may receive a commission from card issuers. Some or all of the card offers that appear on Your Best Credit Cards are from advertisers and may impact how and where card products appear on the site. Your Best Credit Cards does not include all card companies or all available card offers. Commissions do not affect or prioritize placement within our Card Explorer results and not all cards displayed earn us a commission. The editorial content on this page is not provided by any of the companies mentioned, and have not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are the author’s alone.

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Citi Strata Premier® Credit Card image
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Citi Strata Premier® Credit Card

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(4.5) Our Review

Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.
Min Credit Score:
Good (670-739) *
Annual Fee:
$95

Bonus Offer

For a limited time, earn 75,000 bonus ThankYou® Points after spending $4,000 in the first 3 months of account opening, redeemable for $750 in gift cards or travel rewards at thankyou.com.

Bonus points for spend in the following bonus categories:

3 x
Airfare
Estimated Rewards Value: 4.8%
3 x
Gas Stations
Estimated Rewards Value: 4.8%
3 x
Dining Out / Food Delivery
Estimated Rewards Value: 4.8%
3 x
Hotels
Estimated Rewards Value: 4.8%
3 x
Groceries
Estimated Rewards Value: 4.8%
3 x
EV Charging
Estimated Rewards Value: 4.8%
1 x
Everything Else
Estimated Rewards Value: 1.6%
+
 more
Notify me of bonus offer changes
  • Earn triple points from five distinct spending categories from air travel and hotels to restaurants, supermarkets, gas stations
  • Take advantage of World Elite Mastercard perks, like Lyft and DoorDash perks and extended warranty protection
  • Citi ThankYou® points are extremely flexible, with the ability to utilize an array of more than 15 airline and two hotel transfer partners to get the most bang for your buck on travel

Pros

  • The $95 annual fee can be completely offset by the $100 hotel credit
  • Redeem Citi ThankYou® points for a variety of travel, including the ability to transfer points to more than 15 airline and hotel programs
  • Trip Protection benefits

Cons

  • Citi ThankYou® points can only be transferred to airline programs (no hotels) and of them, the partners are more obscure international airlines
  • Weaker on travel perks, with no airport lounge access or TSA PreCheck/Global Entry reimbursement
  • No domestic airline transfer partners
Annual Fee: $95
Foreign
Transaction Fee: 0%
Min Credit
Score: Good (670-739) *
Point
Value: $0.01-$0.016

If you have a Citi Strata Premier® card or a legacy Citi Prestige card, you can transfer your points to Citi's full range of airline and hotel partners. Other ThankYou points-earning cards can be pooled with your Premier or Prestige to unlock airline and hotel program transfers. We calculate that you can get an average of 1.6 cents per point when redeeming this way. If you have any other Citi ThankYou point cards and do not have a Strata Premier or Prestige, then your ThankYou points are worth 1 cent each.

APR: 20.24%-28.24% (Variable)
Balance
transfer fees: Balance transfer fee applies with this offer; 5% of each balance transfer; $5 minimum.
Author: Chris Dong
Editor: Dave Grossman
Total Rating:
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Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.
Last Updated: January 23, 2025
Intro bonus:
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Annual Fee:
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Benefits:
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Multipliers:
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Airline Credit Card Earning Valuable Miles for oneworld Flights

Annual fee
$95
Point value
$0.017
Best Multiplier

Bonus Offer

Click Learn How to Apply to See Offer

Card Details Learn How To Apply
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Chase Ink Business Preferred® Credit Card

Annual fee
$95
Point value
$0.01 -
$0.0175
Best Multiplier
3x Airfare
3x Transit
+ 8 more

Bonus Offer

Earn 90,000 bonus points after you spend $8,000 on purchases in the first 3 months from account opening.

Card Details Learn How to Apply
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Chase Sapphire Preferred® Card

Annual fee
$95
Point value
$0.01 -
$0.0175
Best Multiplier
5x Airfare
5x Car Rentals
+ 6 more

Bonus Offer

Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.

Card Details Learn How to Apply
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Chase Ink Business Unlimited® Credit Card

Annual fee
$0
Point value
$0.01 -
$0.0175
Best Multiplier
1.5x Everything Else

Bonus Offer

Get $750 in the form of 75,000 Ultimate Rewards points when you spend $6,000 in your first 3 months. Points are transferrable if you also hold a Sapphire Preferred, Sapphire Reserve, or Ink Business Preferred.

Card Details Learn How to Apply
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Chase Ink Business Cash® Credit Card

Annual fee
$0
Point value
$0.01 -
$0.0175
Best Multiplier
5x Cable / Internet / VOIP Phone
5x Cellular Phone Service
+ 4 more

Bonus Offer

Earn $350 in the form of 35,000 Ultimate Rewards points when you spend $3,000 on purchases in the first three months and an additional $400 in the form of 40,000 Ultimate Rewards points when you spend $6,000 on purchases in the first six months after account opening. Points are transferrable if you also hold a Sapphire Preferred, Sapphire Reserve, or Ink Business Preferred.

Card Details Learn How to Apply
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Chase Ink Business Premier℠ Credit Card

Annual fee
$195
Point value
$0.01
Best Multiplier
5x Airfare
5x Cruises
+ 4 more

Bonus Offer

Earn $1,000 bonus cash back after you spend $10,000 on purchases in your first 3 months from account opening.

Card Details Learn How to Apply
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Capital One Venture Rewards Credit Card

Annual fee
$95
Point value
$0.016
Best Multiplier
5x Hotels
5x Car Rentals
+ 1 more

Bonus Offer

Earn 75,000 Miles once you spend $4,000 on purchases within 3 months from account opening

Card Details Learn How To Apply
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Capital One VentureOne Rewards Credit Card

Annual fee
$0
Point value
$0.016
Best Multiplier
5x Hotels
5x Car Rentals
+ 1 more

Bonus Offer

20,000 miles when you spend $500 within 3 months

Card Details Learn How To Apply
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Chase Sapphire Reserve®

Annual fee
$550
Point value
$0.01 -
$0.0175
Best Multiplier
10x Car Rentals
10x Hotels
+ 5 more

Bonus Offer

Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Travel℠.

Card Details Learn How to Apply
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Chase Freedom Unlimited®

Annual fee
$0
Point value
$0.01 -
$0.0175
Best Multiplier
5x Airfare
5x Car Rentals
+ 4 more

Bonus Offer

Earn an extra 1.5% on everything you buy (on up to $20,000 spent in the first year) — worth up to $300 cash back. That's 6.5% on travel purchased through Chase Travel℠, 4.5% on dining and drugstores, and 3% on all other purchases.

Card Details Learn How to Apply

Calculation

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Office Supplies

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Gym Memberships

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Construction Materials / Hardware Supplies

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0 10000
Online Retail Shopping

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0 10000
Amazon / Whole Foods

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Entertainment (Concerts / Shows / Movies)

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Costco

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0 10000
Lyft

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0 10000
Advertising on Search Engines and Social Media

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0 10000
Shipping

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0 10000
Single Charges over $5,000

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0 10000
Total Spend: $0/mo
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