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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

Written by
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
154,653 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.

141 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 Aug 2014
L6: Expert
> bubble2 1,229 Posts
950 Reputation
therealslickshady
02-19-2025 at 06:25 AM.
02-19-2025 at 06:25 AM.
Any advice on getting approved? I have 800+ credit, 200k income, no debt but denied last time I applied
Reply
Joined Oct 2016
L2: Beginner
> bubble2 39 Posts
14 Reputation
hdang807
02-23-2025 at 05:30 AM.
02-23-2025 at 05:30 AM.
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.

I got the same $2000 credit limit and I have low debt and annual 6 figures income. Citi is purposely setting the credit limit low.
Reply
Joined May 2009
L4: Apprentice
> bubble2 389 Posts
45 Reputation
ElephantNest
02-23-2025 at 05:47 AM.
02-23-2025 at 05:47 AM.
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.
I was approved instantly for $11k
Reply
Joined Mar 2006
L8: Grand Teacher
> bubble2 3,243 Posts
709 Reputation
henny
02-23-2025 at 05:51 AM.
02-23-2025 at 05:51 AM.
I'd say Chase IBU is a better deal if you can spend $6k vs $4k.

Bonus is $750 (redeamable for cash), no annual fee, 1.5% on all purchase vs 1%, 20,000 point refer a friend bonus, and no impact to 5/24 rule.
Reply
Joined Sep 2011
L3: Novice
> bubble2 266 Posts
26 Reputation
jake0406
02-23-2025 at 11:52 PM.
02-23-2025 at 11:52 PM.
Quote from ejim941099 :
I agree. My limit is $15k for this card. Homie has some bad credit.

Not sure about this card but Chase Business preferred ink gave me 5k when I have to spend 8k in 3 months to get the point but capital one venture x gave me $30k limit lol
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Joined Sep 2011
L3: Novice
> bubble2 266 Posts
26 Reputation
jake0406
02-23-2025 at 11:59 PM.
02-23-2025 at 11:59 PM.
Quote from Backhome77 :
If that's the limit you got, you should forget trying to spend $4K in 3 months and work on your credit score instead.

Dude if you read comments here alot of people with great credit and high income got 2k limit too, stop judging people so quick lol I didn't apply for this one thou
Reply
Joined Sep 2011
L3: Novice
> bubble2 266 Posts
26 Reputation
jake0406
02-24-2025 at 12:01 AM.
02-24-2025 at 12:01 AM.
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

Last time I paid my tmobile phone bill in advance $2000
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Joined Feb 2011
L7: Teacher
> bubble2 2,948 Posts
676 Reputation
ArseneWenger
02-26-2025 at 10:02 AM.
02-26-2025 at 10:02 AM.
Quote from jake0406 :
Last time I paid my tmobile phone bill in advance $2000
Dang you're the best Tmobile customer of all time. Who needs a contracted customer when you have a prepayment of $2K.
Reply
Joined Jul 2016
L10: Grand Master
> bubble2 8,074 Posts
996 Reputation
Genghis_Khan
03-10-2025 at 12:28 PM.
03-10-2025 at 12:28 PM.
Quote from ArseneWenger :
At least $750 in value for $95 AF and $4K min spend is not bad at all. Will probably be my next churn.

Arsene, what's keeping you busy in retirement!
😆
Reply
Joined Sep 2011
L3: Novice
> bubble2 266 Posts
26 Reputation
jake0406
03-13-2025 at 01:57 PM.
03-13-2025 at 01:57 PM.
Quote from ArseneWenger :
Dang you're the best Tmobile customer of all time. Who needs a contracted customer when you have a prepayment of $2K.

Lol sometimes I have no choice to get the point man lol. I tried my best but I have to spend that money anyway since my bill is $200 monthly lol it is just 10 payments
Reply
Last edited by jake0406 March 13, 2025 at 02:00 PM.
Joined Nov 2011
L2: Beginner
> bubble2 472 Posts
34 Reputation
kidrocklive
03-19-2025 at 08:11 AM.
03-19-2025 at 08:11 AM.
Quote from ThriftyMammoth310 :
Yes, you can product change. I was able to change my old Citi Premier to a Citi Costco card.

From what I read though you can't change the Costco Citi to anything else. One way street apparently.
Reply
Joined Jun 2009
L6: Expert
> bubble2 1,195 Posts
118 Reputation
01grander
03-31-2025 at 07:50 AM.
03-31-2025 at 07:50 AM.
How long until it actually posts? I have gone over the 4k spending in a little over a month, but 1700 was past a billing statement, although I already paid it off.
Reply
Joined Jan 2007
L3: Novice
> bubble2 121 Posts
187 Reputation
zaffer
03-31-2025 at 01:35 PM.
03-31-2025 at 01:35 PM.
Quote from therealslickshady :
Any advice on getting approved? I have 800+ credit, 200k income, no debt but denied last time I applied

I'm on the same boat. They denied me last due to lack of credit utilization.
Reply
Joined Jul 2010
L7: Teacher
> bubble2 2,051 Posts
295 Reputation
sam19777
03-31-2025 at 01:51 PM.
03-31-2025 at 01:51 PM.
Quote from Retrievers2009 :
Anyone know a way to see when you received a bonus previously? Had gotten the Citi Premier in December 2022 and closed it in 2023. Can't see it in my account any longer. All customer support could do was send me statements in the mail from it. I also have a double cash card and feel like it's going to end up being statements from that when I get it
You can check your emails three years ago. When you opened the card they will sent you email. I think you are looking for it because that 48 months criteria, right?
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Joined Jan 2010
L8: Grand Teacher
> bubble2 3,438 Posts
553 Reputation
Zelo
03-31-2025 at 02:10 PM.
03-31-2025 at 02:10 PM.
Quote from Ryson11 :
Is this better deal than the chase sapphire preferred 70k points?
I would apply for the Chase Sapphire Preferred for 100k (in branch only for a limited time), once the 100k is over I'm not sure which offers the best value, bang for your buck and shopping/insurance benefits.

Quote from henny :
I'd say Chase IBU is a better deal if you can spend $6k vs $4k.

Bonus is $750 (redeamable for cash), no annual fee, 1.5% on all purchase vs 1%, 20,000 point refer a friend bonus, and no impact to 5/24 rule.
Thanks for the reminder of the IBU (SD review). Like you said, great value with no annual fee and no impact to 5/24.
Reply
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