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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 Expired

+37 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.

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Original Post

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Edited April 2, 2025 at 09:32 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

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If you take advantage of an offer on our site, Slickdeals may receive a commission.
Deal
Score
+37
156,019 Views
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.

142 Comments

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I would imagine this credit limit is not typical for most people who get this card.
$95 annual fee
Citi will be the exclusive partner to American Airlines in 2026 and might be able to transfer TYP to AA.

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Joined Sep 2013
L2: Beginner
> bubble2 28 Posts
18 Reputation
Parmar84
01-05-2025 at 09:55 PM.
01-05-2025 at 09:55 PM.
Blah... I got a 2k credit approval. I already have lined up 4k in expenses. Can't believe I have to split this up! Argh...
Reply
Joined Sep 2018
L6: Expert
> bubble2 1,552 Posts
66 Reputation
Ryson11
01-05-2025 at 10:35 PM.
01-05-2025 at 10:35 PM.
Quote from bigballs :
They want high income folks. Put in a couple of extra zeros when they ask for it when you apply. I got this got card easily with the typo. Spent my $4000 and got $800 plus check in 2 months. I got like 20 cards also. Most of them dormant.

Did you downgrade to a no annual fee card? Any way to avoid the 1st yr fee?
Reply
Joined Nov 2020
New User
> bubble2 13 Posts
10 Reputation
SeriousSoda269
01-11-2025 at 12:52 PM.
01-11-2025 at 12:52 PM.
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 got denied for the NFL card. They use a crappy bank and I have a 800 credit score with 0 debt and 100k+ income. It's funny how some banks just know. Lol
Reply
Joined Jul 2004
L6: Expert
> bubble2 1,032 Posts
222 Reputation
fatcool
01-13-2025 at 01:56 PM.
01-13-2025 at 01:56 PM.
Your Card details
821 Your Credit Score

Equifax Source

01/2025 Date

$13000
Credit Limit

23.24% This APR will vary with the market based on the Prime Rate.

$95 Annual Fee1
Reply
Joined Oct 2016
L2: Beginner
> bubble2 40 Posts
14 Reputation
hdang807
01-14-2025 at 07:03 PM.
01-14-2025 at 07:03 PM.
my income is $150k+ with little debt. Qualified for $2k credit limit. I called and got rejected for increase.

A pain because I cannot put an all inclusive vacation of $5k on the card.
First time ever being denied credit limit below $5k. Have to split into multiple payments.

Such a pain in the A
Reply
Joined Jul 2011
L5: Journeyman
> bubble2 654 Posts
204 Reputation
mac4lyfe
01-15-2025 at 10:18 PM.
01-15-2025 at 10:18 PM.
Quote from namlook :
$800 is letting them off easy. If you travel you can transfer to partners that can make the points worth $1200.

I am totally new to the points, check thing. I just got approved and will spend $4k to qualify. How do I convert points into cash/check? TIA
Reply
Joined Dec 2007
L5: Journeyman
> bubble2 709 Posts
233 Reputation
mser4fun
01-15-2025 at 10:24 PM.
01-15-2025 at 10:24 PM.
Other than calling Citi, how would one know if they have received the bonus within the past 48 months?
Reply

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Joined Jan 2006
L5: Journeyman
> bubble2 574 Posts
46 Reputation
catman17
01-16-2025 at 07:54 AM.
01-16-2025 at 07:54 AM.
Quote from TQLCVNCH :
Got the same deal last summer. Love their 3% unlimited on Gas, Groceries, and restaurants. Pretty much the top 3 categories I use.

There are better cards for all 3 of these categories.
Reply
Joined Apr 2013
L4: Apprentice
> bubble2 448 Posts
64 Reputation
bxd20
01-16-2025 at 06:03 PM.
01-16-2025 at 06:03 PM.
Concur with others on Citi CS being terrible. I had an awful experience with their banking side for a savings account. Will never trust them with checking/banking again.
Reply
Joined Nov 2015
New User
> bubble2 410 Posts
98 Reputation
Theful13ffect
01-25-2025 at 07:50 AM.
01-25-2025 at 07:50 AM.
Quote from mser4fun :
Other than calling Citi, how would one know if they have received the bonus within the past 48 months?
If you have a creditkarma account, you should be able to see a list of all your credit card accounts (it'll show both open and closed accounts). You can click on each account and it'll show you the date you opened the credit card. The Strata Premier card usually gives you 3 months to complete the spend requirement, so add 3 months (or 4 months, just to be safe?) to the date you opened your credit card, and that should give you a pretty good estimate of when you last received the bonus.
Reply
Last edited by Theful13ffect January 25, 2025 at 07:59 AM.
Joined Jun 2014
L4: Apprentice
> bubble2 400 Posts
130 Reputation
dnabrice
01-28-2025 at 10:56 PM.
01-28-2025 at 10:56 PM.
Quote from matrix5k :
Give it to my wife. She will easily spend 4k.
Keep it for me. I'll easily spend it on SD purchases.
Reply
Joined Nov 2004
L4: Apprentice
> bubble2 494 Posts
75 Reputation
taser
02-02-2025 at 01:50 PM.
02-02-2025 at 01:50 PM.
Quote from hdang807 :
my income is $150k+ with little debt. Qualified for $2k credit limit. I called and got rejected for increase.

A pain because I cannot put an all inclusive vacation of $5k on the card.
First time ever being denied credit limit below $5k. Have to split into multiple payments.

Such a pain in the A

They do it by design. They make it difficult to charge in one go by those with excellent scores.
Reply
Joined Sep 2018
L6: Expert
> bubble2 1,552 Posts
66 Reputation
Ryson11
02-02-2025 at 06:04 PM.
02-02-2025 at 06:04 PM.
Which card to downgrade to and avoid annual fee but it is nice to get the $100 hotel credit that makes up for it.
Reply
Joined Apr 2006
L6: Expert
> bubble2 1,201 Posts
1,451 Reputation
Pro
duhmel
02-02-2025 at 06:41 PM.
02-02-2025 at 06:41 PM.
Quote from letsgometsgo :
what are you doing for manufactured spending to hit the 4k when you dont have any large expenses? gift cards that you know you will eventually use? amazon/target/walmart etc? cant pay my mortgage with a cc

Pay IRS estimated tax. If you pay taxes by credit card it costs you 2% but you get 1% back in points. Suppose you didn't have anything to spend anything on, it would only cost you $40 to get back $750. If you don't have to pay any incom tax you will get back the $4,000 after you file your taxes.
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Joined Nov 2015
L5: Journeyman
> bubble2 904 Posts
61 Reputation
Deibid
02-02-2025 at 06:49 PM.
02-02-2025 at 06:49 PM.
Quote from saghey :
Citi will be the exclusive partner to American Airlines in 2026 and might be able to transfer TYP to AA.

What will happen to Barclay's?
Reply
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