Citi Strata Premier® Card: Terms, Points and Benefits

How do you earn ThankYou Points with the Citi Strata Premier?

Citi publishes the following earn rates for the card. [1]

Citi also says there is no limit to the amount of points earned on the card. [1] Citi says points earned have no expiration. [1]

How do you redeem and transfer ThankYou Points?

ThankYou Points can be used on Citi Travel® to book flights, hotels, car rentals and experiences. [1] They can also be transferred to airline and hotel partners; Citi names American Airlines, JetBlue, Virgin Atlantic, Cathay, Eva Air, Choice Hotels and The Leading Hotels of the World among them, and sets the minimum transfer at 1,000 points. [1] Other redemption routes include shopping with points at participating merchants such as Amazon, PayPal and CVS, and redeeming for gift cards or cash back at thankyou.com. [1] Cardholders can redeem online or by phone through the ThankYou Service Center, though Citi says only select items are redeemable by phone. [1]

How does the $100 Annual Hotel Benefit work?

The $100 Annual Hotel Benefit gives $100 off a single hotel stay of $500 or more, excluding taxes and fees, when booked through cititravel.com or by phone at 1-833-737-1288. [1] It applies once per calendar year and is applied instantly at the time of booking. [1]

What travel protections and fees apply to the Citi Strata Premier?

Citi lists Trip Cancellation and Trip Interruption (Common Carrier), Trip Delay, Lost or Damaged Luggage and MasterRental Coverage (Car Rental) as travel protection benefits for the card. [1] Citi’s published pricing terms for the card as of 18 October 2026 are set out below. [1]

What limits and conditions apply?

• The 10-point rate applies only to hotels, car rentals and attractions booked on cititravel.com; air travel and other hotel purchases earn 3 points per dollar. [1]
• The $100 Annual Hotel Benefit is limited to one use per calendar year, one stay of at least $500 before taxes and fees, and booking through Citi Travel® or the listed phone line. [1]
• Citi says the new account bonus offer is not available if you currently have or previously had a Citi Strata Premier® or Citi Premier® account. [1] Eligibility for the bonus offer may also depend on factors such as your history of opening, closing and using credit cards. [1]
• Citi’s pricing and offer disclosures state: “New cardmembers only. Subject to credit approval. Additional limitations, terms and conditions apply. You will be given further information when you apply.” [1]
• Only select items are redeemable by phone through the ThankYou Service Center. [1] The points-transfer minimum is 1,000 points. [1]
• The purchase and balance-transfer APR varies with creditworthiness, and the penalty APR may apply after a late payment or a returned payment. [1]

Frequently asked questions

How much is the Citi Strata Premier annual fee?

Citi lists a $95 annual fee for the card. [1]

Does the Citi Strata Premier charge foreign transaction fees?

No. Citi states there are no foreign transaction fees on the card. [1]

What is the $100 Annual Hotel Benefit?

It is $100 off one hotel stay of $500 or more, excluding taxes and fees, booked through cititravel.com or 1-833-737-1288; it applies once per calendar year and is applied at booking. [1]

Which partners can I transfer ThankYou Points to?

Citi names American Airlines, JetBlue, Virgin Atlantic, Cathay, Eva Air, Choice Hotels and The Leading Hotels of the World among the transfer partners. [1] The minimum transfer is 1,000 points. [1]

Do ThankYou Points earned with the card expire?

Citi says points earned have no expiration. [1]

Related pages

Use the glossary to review points and miles terms, ThankYou Rewards terms, card travel protections and annual fee terms.

Sources

Sources checked on 18 October 2026. This profile covers only the Citi Strata Premier® Card; other Citi cards and other issuers’ card programmes are not covered.

1. Citi Strata Premier® Card page, checked 18 October 2026