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Please be advised that future verbal and written communications from the bank may be in English only. These communications may include, but are not limited to, account agreements, statements and disclosures, changes in terms or fees; or any servicing of your account. Additionally, some sections of this site may remain in English.

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    Por favor, tenga en cuenta que es posible que las comunicaciones futuras del banco, ya sean verbales o escritas, sean únicamente en inglés. Estas comunicaciones podrían incluir, entre otras, contratos de cuentas, estados de cuenta y divulgaciones, así como cambios en términos o cargos o cualquier tipo de servicio para su cuenta. Además, es posible que algunas secciones de este website permanezcan en inglés.


    Please be advised that future verbal and written communications from the bank may be in English only. These communications may include, but are not limited to, account agreements, statements and disclosures, changes in terms or fees; or any servicing of your account. Additionally, some sections of this site may remain in English.

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CITI STRATA PREMIER℠ CARD

Earn bonus points after qualifying purchases2

Get a response in under a minute
1Important Pricing & Information +

10times xPoints

Earn a total of 10 ThankYou® Points per $1 spent on Hotel, Car Rentals, and Attractions booked through CitiTravel.com. 2

No Foreign Transaction Fees1

3times xor 1times xPoints

Earn 3X points per $1 on Air Travel and Other Hotel Purchases, Restaurants, Supermarkets, Gas Stations and – newly added – EV Charging Stations.

Earn 1X point per $1 on All Other Purchases.

$100 ANNUAL HOTEL BENEFIT

Once per calendar year, enjoy $100 off a single hotel stay of $500 or more (excluding taxes and fees) when booked through CitiTravel.com. Benefit applied instantly at the time of booking.

Annual fee: 1 Purchase Rate: %- % Variable APR.1 Bonus ThankYou® Points are not available if you received a new account bonus for a Citi Premier® or Citi Strata Premier℠ account in the past 48 months or if you converted another Citi credit card account on which you earned a new account bonus in the last 48 months into a Citi Premier® or Citi Strata Premier℠ account.

This offer is available if you apply through the method(s) provided in this ad today. Offers may vary and this offer may not be available in other places where the card is offered.

2Additional Information +

CITI STRATA PREMIER℠ CARD BENEFITS


$100 ANNUAL HOTEL BENEFIT

Once per calendar year, enjoy $100 off a single hotel stay of $500 or more (excluding taxes and fees) when booked through CitiTravel.com. Benefit applied instantly at the time of booking.

No Foreign Transaction Fees

When you’re ready to travel, enjoy your trip to the fullest with no foreign transaction fees.*

Travel Protection Benefits

Help stay protected with travel insurances, including Trip Delay Protection, Common Carrier Trip Cancellation and Interruption Protection, Lost or Damaged Luggage, and MasterRental Coverage (car rental insurance).2

Points Transfer

Transfer ThankYou® Points to participating airline loyalty programs including TrueBlue®, Virgin Atlantic Flying Club, and Singapore Airlines KrisFlyer, to get flights faster. There is no fee, and the minimum transfer is only 1,000 points.2


Tap Your Card with Contactless Pay

Shop safely with a contactless-chip enabled card. Just tap your card on the payment reader and go in seconds.

Additional Cards

Add an authorized user to your account at no additional cost and earn points faster. After all, the benefits of this card are so amazing they're worth sharing.

Digital Wallets

Digital Wallets let you shop with confidence in millions of places online, within apps and in stores. With digital wallets you can speed through checkout and continue to enjoy all the great benefits that come with your card. Learn how to get started and how digital wallets can help protect your card information at citi.com/digitalservices.


Citi Entertainment®

Citi Entertainment® takes the once out of once in a lifetime. Get special access to purchase tickets to thousands of events, including presale tickets and exclusive experiences for the year's most anticipated concerts, sporting events, dining experiences and more.

CITI STRATA PREMIER℠ CARD FAQs

Expand All

The Citi Strata Premier℠ Card offers several benefits, including the ability to enjoy rewards through the ThankYou® Rewards program:

  • 10X Points on Hotels, Car Rentals, and Attractions booked through CitiTravel.com
  • 3X Points on Air Travel and Other Hotel Purchases2
  • 3X Points at Restaurants2
  • 3X Points at Supermarkets2
  • 3X Points at Gas and EV Charging Stations2
  • 1X Point on All Other Purchases2
  • $100 Annual Hotel Benefit2

Travel protection benefits2:

  • Trip Cancellation and Trip Interruption (Common Carrier)
  • Trip Delay
  • Lost or Damaged Luggage
  • MasterRental Coverage (Car Rental)

Additional benefits of this popular travel credit card include no foreign transaction fees on purchases1, as well as easy points transfer to certain airline loyalty programs, including TrueBlue®, Virgin Atlantic Flying Club, and Singapore Airlines KrisFlyer.

You will earn 10 ThankYou® Points per $1 spent on:

  • Hotels, Car Rentals and Attractions booked through CitiTravel.com

You will earn 3 ThankYou Points per $1 spent at the following:

  • Airlines
  • Other Hotel Purchases
  • Restaurants
  • Supermarkets
  • Gas and EV Charging Stations
  • Travel Agencies
  • Cafes
  • Bars
  • Lounges
  • Fast Food Restaurants

You will earn 1 ThankYou Point per $1 spent on all other purchases including:

  • Commuter transportation
  • Live Entertainment such as concerts, sporting events and more
  • Purchases at drug stores
  • Utility payments
  • Bill payments
  • Purchases at retailers
  • And more

There are no foreign transaction fees1 with the Citi Strata Premier℠ Card.

You can easily redeem ThankYou® Points for your Citi Strata Premier℠ Card online or by calling the ThankYou Service Center.

If you choose to redeem online, visit thankyou.com to view the entire rewards collection available through the ThankYou® Rewards program. Upon login, there are several ways you can browse and redeem for rewards:

  • The main Rewards page presents all categories. Simply select the type of reward you're interested in to see what the collection has to offer.
  • Browse by specific points ranges.
  • Use the search tool to find specific items in the collection.
  • Add any desired item to your Cart. After your order has been placed, a confirmation email will be sent to confirm that the redemption was successful.

If you choose to redeem points by calling the ThankYou Service Center at 1-800-THANKYOU (1-800-842-6596), please note that only select items are redeemable by phone. For speech or hearing impaired TTY: We accept 711 or other Relay Service.

Visit the Citi Strata Premier℠ Card page to view the latest bonus offer as any available bonus offers for the Citi Strata Premier℠ Card can change from time to time.

How do I apply for the Citi Strata Premier℠ Card?

The application process for the Citi Strata Premier℠ Card is easy and straightforward. Learn more and apply online.

Is the Citi Strata Premier℠ Card a Mastercard® or Visa® Credit Card?

The Citi Strata Premier℠ Card is a Mastercard®. Learn more about the Citi Strata Premier℠ Card here.

What credit score is needed to be approved for the Citi Strata Premier℠ Card?

There are many factors that Citi uses to determine creditworthiness, including your credit score. You can always visit Citi's Credit Card homepage and navigate to the pre-qualify section to see which type of Citi card you may be pre-qualified for without affecting your credit score.

The Citi Strata Premier℠ Card provides other benefits such as no foreign transaction fees1, no limit to the amount of points earned, no expiration on points earned, free access to view your FICO Score, and more. You can also redeem your points for great rewards with the Citi ThankYou® Rewards program.

Apply by Phone: 1-800-479-0141

TTY: We accept 711 or other Relay Service

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*CITI STRATA PREMIER℠ CARD PRICING DETAILS

The standard variable APR for purchases, balance transfers, and Citi Flex Plan for the Citi Premier® Card is % – %, based on your creditworthiness. Balance transfers must be completed within 2 months of account opening. The standard variable APR for cash advances is %. The variable penalty APR is up to 29.99% and may be applied if you make a late payment or make a payment that is returned. Minimum interest charge – $. Annual fee - . Fee for foreign purchases - None. Cash advance fee - either $10 or 5% of the amount of each cash advance, whichever is greater. Balance transfer fee — either $ or % of the amount of each transfer, whichever is greater. New cardmembers only. Subject to credit approval. Additional limitations, terms and conditions apply. You will be given further information when you apply.

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Citi is not responsible for the products, services or facilities provided and/or owned by other companies.

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You are leaving a Citi Website and going to a third party site. That site may have a privacy policy different from Citi and may provide less security than this Citi site. Citi and its affiliates are not responsible for the products, services, and content on the third party website. Do you want to go to the third party site?

Citi is not responsible for the products, services or facilities provided and/or owned by other companies.

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You are leaving a Citi Website and going to a third party site. That site may have a privacy policy different from Citi and may provide less security than this Citi site. Citi and its affiliates are not responsible for the products, services, and content on the third party website. Do you want to go to the third party site?

Citi is not responsible for the products, services or facilities provided and/or owned by other companies.

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Important Legal Disclosures & Information

Citibank.com provides information about and access to accounts and financial services provided by Citibank, N.A. and its affiliates in the United States and its territories. It does not, and should not be construed as, an offer, invitation or solicitation of services to individuals outside of the United States.

Terms, conditions and fees for accounts, products, programs and services are subject to change. Not all accounts, products, and services as well as pricing described here are available in all jurisdictions or to all customers. Your eligibility for a particular product and service is subject to a final determination by Citibank. Your country of citizenship, domicile, or residence, if other than the United States, may have laws, rules, and regulations that govern or affect your application for and use of our accounts, products and services, including laws and regulations regarding taxes, exchange and/or capital controls that you are responsible for following.

The products, account packages, promotional offers and services described in this website may not apply to customers of International Personal Bank U.S. in the Citigold® Private Client International, Citigold® International, Citi International Personal, Citi Global Executive Preferred, and Citi Global Executive Account Packages.

Deposit products and services are offered by Citibank, N.A., Member FDIC

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Additional Information - Citi Strata Premier℠ Card

Bonus Points Offer

Bonus ThankYou® Points are not available if you received a new account bonus for a Citi Premier® or Citi Strata Premier℠ account in the past 48 months or if you converted another Citi credit card account on which you earned a new account bonus in the last 48 months into a Citi Premier® or Citi Strata Premier℠ account.

Citi® ThankYou® Rewards

Summary of the Citi Strata Premier Card Terms and Conditions

With the Citi Strata Premier Card, you can earn ThankYou Points for purchases made on your card.
Unless you are participating in a limited-time offer, you will earn:

  • 10 total ThankYou Points for each $1 spent on hotel, car rental and attraction bookings on the Citi Travel℠ site via CitiTravel.com or 1-833-737-1288 (TTY:711)
  • 3 ThankYou Points for each $1 spent on air travel and other hotel purchases
  • 3 ThankYou Points for each $1 spent at restaurants
  • 3 ThankYou Points for each $1 spent at supermarkets
  • 3 ThankYou Points for each $1 spent at gas and EV charging stations
  • 1 ThankYou Point for each $1 spent on all other purchases

Cardmembers will also be eligible to receive the $100 Annual Hotel Benefit

The following definitions apply to the categories:

Citi Travel℠ Site : You will earn 10 ThankYou Points for each $1 spent on hotels, car rentals, and attractions when you use your Citi Strata Premier Card to book them through the Citi Travel site via CitiTravel.com or 1-833-737-1288 (TTY:711). For bookings made with a combination of points and your Citi Strata Premier Card, only the portion paid with your card will earn points. Points are not earned on cancelled bookings. If your account is closed for any reason, including if you convert to another card product, you will no longer be eligible for this offer. Citi Travel is powered by Rocket Travel Inc., part of the Booking Holdings Inc. group of companies together with Booking.com.

Air Travel and Other Hotel Purchases: Includes purchases at airlines, hotels (not booked through the Citi Travel site via CitiTravel.com), and travel agencies.

Restaurants: Includes purchases at cafes, bars, lounges, fast-food restaurants, restaurant delivery services, and take out restaurants. Excludes purchases at bakeries, caterers, and restaurants located inside another business (such as hotels, stores, stadiums, grocery stores, or warehouse clubs). You will not earn 3 ThankYou Points on restaurant gift card purchases if the merchant does not use the restaurant merchant category code.

Supermarkets: Excludes purchases made at general merchandise/discount superstores; freezer/meat locker provisioners; dairy product stores; miscellaneous food/convenience stores; drugstores; warehouse/wholesale clubs; specialty food markets; bakeries; candy, nut, and confectionery stores; and meal kit delivery services. Purchases made at online supermarkets or with grocery delivery services do not qualify if the merchant does not classify itself as a supermarket by using the supermarket merchant code.

Gas Stations and Electric Vehicle (EV) Charging: Excludes gas and EV charging purchases at warehouse clubs, discount stores, department stores, convenience stores or other merchants that are not classified as gas stations or EV charging using the gas station or EV charging merchant codes.

All Other Purchases: Includes the non-qualifying purchases listed above.

Merchant Classification for Rewards Categories. Merchants are assigned a merchant category code (“MCC”), which is determined in accordance with Visa/Mastercard/American Express procedures based on the kinds of products and services the merchants primarily sell. We don’t control the assignment of these codes and are not responsible for the codes used by merchants. When you use your card to make a purchase, we're provided an MCC for that purchase. We group similar merchant codes into categories for purposes of making rewards offers. Sometimes you may expect a purchase to fit within a rewards category, but if the code assigned to the merchant wasn’t grouped into that category, as recognized by Citi, your purchase will not qualify for additional points. For example, you won't earn additional points for purchases at a restaurant located within a retailer if the restaurant is assigned a “retailer” code instead of a “restaurant” code. Please also note - purchases made through mobile/wireless technology may not earn additional points depending on how the technology is set up to process the purchase. We reserve the exclusive right to determine which purchases qualify for additional points.

Only Purchases Earn Points. You’ll earn Points for purchases using your Card Account, minus returns and refunds. Balance transfers, cash advances, checks that access your card account, items returned for credit, unauthorized charges, interest and account fees, travelers checks, foreign currency purchases, money orders, wire transfers (and similar cash-like transactions), lottery tickets, gaming chips (and similar betting transactions) do not earn ThankYou Points. If your hotel purchase booked through the Citi Travel site qualifies for the $100 Annual Hotel Benefit, you won’t earn points on the portion of your purchase that is offset by the benefit.

Open and Current Card Account. You may earn Points as long as your card account is open and current.

When You Will Receive Points. Points earned through a purchase with your Card Account will appear in your ThankYou Account at the end of the billing cycle in which you made the purchase. This means that Points earned on purchases made near the end of a billing cycle may take up to one additional billing cycle to appear in your ThankYou Account. (Bonus Points may take one to two additional billing cycles to post to your ThankYou Account).

Please see the Citi ThankYou Rewards Terms and Conditions at thankyou.com/terms, or call us at 1-800-THANKYOU (1-800-842-6596) to request a complete copy of the Terms and Conditions. TTY: We accept 711 or other Relay Service. The Terms and Conditions include redemption information on the Citi ThankYou Rewards Program.

Changes to the ThankYou Rewards Program. ThankYou Rewards may be terminated with 30 days prior written notice. If ThankYou Rewards is terminated, you will have 90 days from the ThankYou Rewards termination date, or if required by law, date of notification of termination, to redeem all your accumulated ThankYou Points. The ThankYou Rewards Program may be changed at any time, and if required by law, we will provide notice. Rewards offered by ThankYou Rewards and the ThankYou Point levels required for specific rewards are subject to change without notice.

$100 Annual Hotel Benefit

Once per calendar year, enjoy $100 off a single hotel stay of $500 or more, excluding taxes and fees, when booked through the Citi Travel site via CitiTravel.com (Citi Travel is powered by Rocket Travel Inc., part of the Booking Holdings Inc. group of companies together with Booking.com) or 1-833-737-1288 (TTY:711). This benefit is subject to the following eligibility requirements: To receive the $100 Annual Hotel Benefit, you must pre-pay for your complete stay with your Citi Strata Premier Card, ThankYou® Points, or a combination thereof. If you choose to use the benefit, the $100 Annual Hotel Benefit will be applied to your reservation at the time of booking. If you cancel a booking for which you used the $100 Annual Hotel Benefit, the benefit will be returned to your account after the cancellation is processed and will remain available for use on any remaining days in the same calendar year. For example, if in November you make a qualifying reservation for March of the next year and use your $100 Annual Hotel Benefit, but then you cancel the reservation in January, you will forfeit that benefit for the prior calendar year. If you use your annual hotel benefit for a non-refundable hotel purchase and you cancel your hotel booking, you forfeit the annual hotel benefit that you used to make that purchase. All reservations must be changed or canceled through the Citi Travel site via CitiTravel.com or 1-833-737-1288 (TTY:711). If your hotel purchase qualifies for the $100 Annual Hotel Benefit, you won’t earn points on the portion of the purchase that is offset by the benefit.

Eligibility requirements:

  • Reservations must be made by the primary cardmember. Reservations can be made in the primary cardmember’s or authorized user’s names.
  • Package rates such as air and hotel, or hotel and car rental do not qualify for the benefit.
  • Reservations made through any party or channel other than the Citi Travel site via CitiTravel.com or 1-833-737-1288 (TTY:711) are not eligible for the $100 Annual Hotel Benefit.
  • The $100 Annual Hotel Benefit cannot be combined in the same transaction with the Citi Prestige® Card Complimentary 4th Night hotel benefit if you have both the Citi Strata Premier and Citi Prestige cards. This benefit also cannot be combined with any other promotions or discounts on thankyou.com.

Additional Information. Any benefit, reward, service, or feature offered in connection with your Card Account may change or be discontinued at any time for any reason, except as otherwise expressly indicated. Citi isn’t responsible for products and services offered by other companies.

Fraud, Misuse, Abuse, or Suspicious Activity

If we see evidence of fraud, misuse, abuse, or suspicious activity, as determined by us in our sole discretion, we reserve the right to take action against you. This may include, without limitation and without prior notice, any or all of the following:

  • Taking away your accrued Points
  • Stopping you from earning Points
  • Suspending or closing your Citi® Account or ThankYou® Account
  • Taking legal action to recover Rewards redeemed because of such activity and to recover our monetary losses, including litigation costs and damages

Some examples of fraud, misuse, abuse and suspicious activity include:

  • Buying or selling Points
  • Repeatedly opening Card Accounts for the primary purpose of acquiring Points
  • Using your Card Accounts or Citibank Checking Account in an abusive manner for the primary purpose of acquiring Points
  • Using your Card Account other than primarily for personal, consumer or household purposes
  • Points redemptions that you didn’t authorize

Please contact the ThankYou Service Center at 1-800-THANKYOU (1-800-842-6596) immediately if you suspect your ThankYou Account is the target of fraud or suspicious activity. TTY: We accept 711 or other Relay Service.

Travel Protection Benefits:
Should you apply and be approved for the Citi Strata Premier℠ card, more information will be provided in the Guide to Protection Benefits you receive with your card. Benefits are subject to terms, conditions, and limitations, including limitations on the amount of coverage. Coverage is provided by New Hampshire Insurance Company, an AIG company. Policy provides secondary coverage only, unless otherwise stated.

©2024 Citibank, N.A.
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