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Citi Strata Premier℠ Card: For a Limited Time Earn 75,000 Bonus ThankYou® Points after Spending $4,000 in the first 3 Months of Account Opening

+28 Deal Score
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For a limited time, Citi is offering 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 with the Citi Strata Premier℠ Card. Annual fee is $95.

Card Details
  • 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.
  • Earn 10 Points per $1 spent on Hotels, Car Rentals, and Attractions booked on CitiTravel.com.
  • Earn 3 Points per $1 on Air Travel and Other Hotel Purchases, at Restaurants, Supermarkets, Gas and EV Charging Stations.
  • Earn 1 Point per $1 spent 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 time of booking.
  • No expiration and no limit to the amount of points you can earn with this card
  • No Foreign Transaction Fees on purchases


Rates & Fees

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Original Post

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Edited November 19, 2024 at 10:24 AM by
For a limited time, Citi is offering 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 with the Citi Strata Premier℠ Card. Annual fee is $95.

Card Details
  • 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.
  • Earn 10 Points per $1 spent on Hotels, Car Rentals, and Attractions booked on CitiTravel.com.
  • Earn 3 Points per $1 on Air Travel and Other Hotel Purchases, at Restaurants, Supermarkets, Gas and EV Charging Stations.
  • Earn 1 Point per $1 spent 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 time of booking.
  • No expiration and no limit to the amount of points you can earn with this card
  • No Foreign Transaction Fees on purchases


Rates & Fees


Read our review on the Citi Strata Premier℠ Card

Slickdeals may be compensated by Citi
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Created 11-19-2024 at 09:39 AM by EfficientGame645 | Staff
in Credit Cards (3) See More Citi Offers
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These responses are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered. Opinions expressed here are the author's alone, not those of any bank, credit card issuer, airline or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.

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I would imagine this credit limit is not typical for most people who get this card.
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$95 annual fee
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Give it to my wife. She will easily spend 4k.
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Joined Jul 2011
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> bubble2 566 Posts
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aquint5554
12-15-2024 at 01:13 PM.
12-15-2024 at 01:13 PM.
Quote from JohnPN :
I would imagine this credit limit is not typical for most people who get this card.

I have an 800+ FICO and also only got 2k. I tried to use this card exclusively for travel but the payment delays and posting took a while. After I received my credit, posting and crediting of balance was almost instant like my Costco card. I felt they tried really hard to delay giving away free money. YMMV
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Joined Jul 2019
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> bubble2 4 Posts
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Richsavesmoney
12-15-2024 at 03:23 PM.
12-15-2024 at 03:23 PM.
Takes them 10-14 days to send the card once you apply.

IMPOSSIBLE to get any customer service agent on the line. If you call their number, you'll get nowhere with their stupid AI.

I got my card. I'm getting the bonus and I'm not going to use citi the rest of the time, their customer service is SOOOO bad
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Joined Feb 2007
L9: Master
> bubble2 5,011 Posts
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mpkb
12-15-2024 at 09:55 PM.
12-15-2024 at 09:55 PM.
Quote from Robiebie :
Most likely, yes. Most cards have anywhere from a 1 to 5 year period that you can't reapply. Although some, like American Express Platinum say it's a lifetime restriction, yet they offered me another sign on after only cancelling for less than a year.
Amex will at least warn you if you don't qualify for the bonus, and before pulling credit.

Does Citi check and give a concrete qualified/not qualified determination? I would hate to charge the money, then find out I am not eligible for some reason.
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Joined Aug 2022
L2: Beginner
> bubble2 47 Posts
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Robiebie
12-16-2024 at 04:15 AM.
12-16-2024 at 04:15 AM.
Quote from mpkb :
Amex will at least warn you if you don't qualify for the bonus, and before pulling credit.

Does Citi check and give a concrete qualified/not qualified determination? I would hate to charge the money, then find out I am not eligible for some reason.

I'm not sure on that, sorry. It would be on your statement, but you'd have to apply and all that first.
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Joined May 2009
L4: Apprentice
> bubble2 380 Posts
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ElephantNest
12-16-2024 at 04:50 AM.
12-16-2024 at 04:50 AM.
Quote from py109 :
Same here. The reason is I got too many credit cards. I have 5 in total.
Well shit. I've got 20, guess I won't waste my time.
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Joined Mar 2020
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> bubble2 86 Posts
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Doctor_Pro40
12-16-2024 at 09:50 AM.
12-16-2024 at 09:50 AM.
When they had a pre qualification site, I put my info in and they told me they had nothing for me.

Capitalone, Chase and Discover all have pre qualified me for cards. So I don't know what Citi's issue is. We bring in a good amount of income.

I am hesitant to even apply for one of their cards as I don't want a wasted Hard Pull.
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Joined Aug 2010
L6: Expert
> bubble2 1,959 Posts
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Backhome77
12-16-2024 at 08:27 PM.
12-16-2024 at 08:27 PM.
Quote from paluvab1 :
Be careful, you get only $2000 credit limit and the transaction posting takes 1 week and credit card payment takes 2 weeks to settle. You can't over pay or high overdraft fee. It was a pain in the ass 3 months period of time to spend $4000.
If that's the limit you got, you should forget trying to spend $4K in 3 months and work on your credit score instead.
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Joined Oct 2008
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California-Boy
12-17-2024 at 11:26 PM.
12-17-2024 at 11:26 PM.
Tried.. but declined. I have 800+ credit score. May be they think I have too many credit cards. Have 3 citi cards - Costco, Custom Cash and one Citi Preferred card or something. Same thing happened with my application to Capital One Venture last year. This the first time I attempting after the last year's attempt with Capital One though.

Says they will notify the reason to decline by Mail. I had an address change recently though.. Not sure if that will be considered as false alarm.
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Joined Oct 2008
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California-Boy
12-18-2024 at 12:09 AM.
12-18-2024 at 12:09 AM.
Quote from Robiebie :
Ymmv on this one. I have excellent credit and well into the 6 figures in available credit card buying power and I wasn't approved for the card. Maybe they are tracking people who churn better than they used to?
I should have checked these comments before applying. Frown
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Joined Oct 2008
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California-Boy
12-18-2024 at 12:12 AM.
12-18-2024 at 12:12 AM.
Quote from Richsavesmoney :
Takes them 10-14 days to send the card once you apply.

IMPOSSIBLE to get any customer service agent on the line. If you call their number, you'll get nowhere with their stupid AI.

I got my card. I'm getting the bonus and I'm not going to use citi the rest of the time, their customer service is SOOOO bad
I have to agree about the bad customer service from Citi. I remember calling customer service about a late fee on my wife's credit card. They didn't waive even though it was one time issue for many years. Ended up cancelling the card after that. I thought I got a bad customer service guy at that time. Good to know it is common.
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Joined Aug 2022
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Robiebie
12-18-2024 at 04:49 AM.
12-18-2024 at 04:49 AM.
Quote from California-Boy :
I should have checked these comments before applying. Frown

Sorry to hear you had the same issue!
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Joined Jul 2012
L5: Journeyman
> bubble2 1,721 Posts
283 Reputation
Tigga573
12-20-2024 at 11:15 AM.
12-20-2024 at 11:15 AM.
Quote from paluvab1 :
My credit history was Excellent and i still got $2000 credit limit. Main reason is mortgage. If you have mortgage, then you will be given less credit limit. Please check with citi team well before applying.

The good part of this card is, the manager and the citi team behind this card tries to help you all the ways to get the Thankyou points and i will give a shot out to manager team, but not the credit card settlement teams.
Your credit history is either much worse than you think, or you don't have much income coming in. It has nothing to do with having a mortgage considering my limit is $11k with them.

If you don't know how something works then sometimes it's better to keep quiet instead of guessing.
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Joined Jul 2012
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> bubble2 1,721 Posts
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Tigga573
12-20-2024 at 11:20 AM.
12-20-2024 at 11:20 AM.
Quote from py109 :
Same here. The reason is I got too many credit cards. I have 5 in total.
Citi does have a 5/24 rule, so if you have 5 new cards in 2 years that would make sense. They definitely don't deny you for having 5 cards in total though considering I had 14 open CC accounts when I applied a couple of months ago.
Otherwise the only other practical limit is that they tend to deny you if you've applied for another new card within the last month or two before applying for the Citi card.
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Joined Jun 2019
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Fanime
12-20-2024 at 11:28 AM.
12-20-2024 at 11:28 AM.
Citi is very inquiry sensitive.
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Joined Jul 2012
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Tigga573
12-20-2024 at 11:45 AM.
12-20-2024 at 11:45 AM.
Quote from Richsavesmoney :
Takes them 10-14 days to send the card once you apply.

IMPOSSIBLE to get any customer service agent on the line. If you call their number, you'll get nowhere with their stupid AI.

I got my card. I'm getting the bonus and I'm not going to use citi the rest of the time, their customer service is SOOOO bad
I actually didn't have much trouble at all getting a Citi agent on the phone and spoke with at least 6 different ones a few weeks ago. I got the Strata card a few months ago, then later signed up for a bank account since they had a nice bonus there and I've been meaning to move away from WF for a while. After my bank account was approved I went ahead and started trying to setup online billpay when suddenly my account was locked. It said I had to call to regain access, but when I called they wanted the bank account numbers which I hadn't received yet, or thought to copy down before I got locked out. It'd be one thing if I just couldn't access the new bank account, but I was also locked out from accessing my Strata card account. The accounts were linked now though and they said the only way to regain access before getting the account numbers would be to go into a branch. When I tried to find a branch, their website just says there isn't one within 100 miles of me. I finally got things straightened out a couple of weeks later, but as soon as this bonus for the bank account hits I'm closing out everything.
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