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Wallet Canvas > Wealth Solutions > Citi Strata Premier Card Benefit Guide
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Citi Strata Premier Card Benefit Guide

April 7, 2025 11 Min Read
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Citi Strata Premier Card Benefit Guide

City is an advertising partner.

The Citi Strata Premier℠ Card, a brand of CitiPremier® Card*, is an excellent card for occasional travelers. For a modest $95 annual fee, this card offers a solid triple reward rate for eligible travel and popular everyday purchases. It also offers some valuable travel perks and protections, making it easy to compete with others Popular travel credit cards.

For more information about the benefits of Citi Strata Premier, see How to get the most out of this generous card.

Citi Strata Premier Remuneration and Repayment

Citi Strata Premier has earned valuable rewards offering several different redemption options. Let’s take a look at the potential for earning rewards for this card and how it benefits you.

Rewards for travel and daily spending

Citi Strata Premier Cardholder is rewarded for both travel spending and purchasing in popular everyday categories. You earn cards:

  • 10x points on hotels, cars and attractions booked on CitiTravel.com
  • Triple points on purchasing planes and other hotels at restaurants, supermarkets, gas and EV charging stations, and other hotel purchases
  • 1x per dollar on all other purchases

A 10x reward rate for hotels, cars and attractions booked through the City is a rather competitive offer. To compare, Chase SapphirePreferred® Cardanother travel card, $95 per year, earns 5x points on trips booked with Chae Travel, including air travel. Capital One Venture Rewards Credit Card It also charges $95 a year and offers 5x miles with hotels, vacation rentals and car rentals booked with Capital One Travel. If you plan to regularly book travel other than the awards, the City Strata Premier could offer great value.

Flexible redemption options

Win the City Strata Premier Card Thank you Citi points. Since it’s a travel credit card, redemption of travel rewards is usually the best option. Specifically, transferring points will likely earn you the largest amount.

Currently, City has 19 airlines and hotel transfer partners, and points are worth around 1.6 cents each when transferred to a more valuable partner. Bank rate evaluation. Alternatively, you can book a trip with City for 1 cent per point.

If travel is not a priority, there are other options to redeem your appreciation points. Examples include cashback redemption as statement credits, direct deposits, or cheques for 1 cent per point. This gives Citi Strata Premier some cashback properties, providing more flexibility.

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Benefits of City Geologic Premier Travel

As a travel credit card, Citi Strata Premier offers several important travel benefits that travelers can enjoy. This card is several ways that help travelers save money while protecting their travel dollars.

$100 per year hotel savings benefits

Book a hotel stay of $500 or more (excluding taxes and fees) through Hontyou.com and receive a $100 discount on booking. This discount is available once a calendar year. This perk alone will completely offset the $95 annual fee on your card.

There are no foreign transaction fees

There is no need to worry about foreign transaction fees with your Citi Strata Premier Card. And that’s a MastercardWhen traveling abroad, you should not have many problems accepting cards.

Cancellation/Discontinuation of your trip

This report can refund you if your trip is like that Cancel or short cut For reasons beyond your control. With Citi Strata Premier, you get coverage for up to $5,000 per trip and up to $10,000 per 12th consecutive month period. To apply, you must book a trip with a card for this profit. This is secondary compensation. This means that it will be applied after a refund from your airline or travel insurance.

Travel delays

If your trip is delayed and additional costs (e.g. meals, transportation, accommodation, etc.) are incurred, your credit card will refund you. Citi Strata Premier offers secondary travel delay compensation for trips that are delayed for more than 6 hours. This charges up to $500 for each trip you charge your card and up to two for every 12 consecutive months.

Lost or damaged luggage

If you pay for a trip with City Strata Premier and checked or carry-on Your luggage will be lost Or if it’s damaged, New York residents could get a refund of up to $3,000 per trip and $2,000 per bag. You can file up to two claims per account for every 12 consecutive months. Coverage is secondary.

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Master Rental Coverage

Masterrental Coverage is the version of MasterCard’s car rental coverage. With Citi Strata Premier, you can receive a refund for the car’s covered loss in the event of collision, capsizing, vandalism, theft, or other physical damage with another object. You must refuse the complete collision/damage waiver offered by the car rental company and pay it at City Strata Premier to use this secondary Car rental compensation.

In addition to its reward potential, Citi Strata Premier also offers some solid shopping and entertainment benefits.

City Entertainment

Citi Entertainment offers special access to events such as concerts, dining experiences and sporting events. Note that you will have to pay for your ticket, but this perk may allow you to access difficult tickets early through pre-sale.

Read the Concierge

The Citi Strata Premier Card also offers access to the City Concierge. This can be used when you need to book dinners, plan your vacation, or purchase concert tickets.

Purchase Protection

Purchase Protection This is a credit card bonus that allows you to repair or exchange purchased items with a card. If an item purchased with a Citi Strata Premier card is damaged or stolen within 90 days of the purchase date, you can earn up to $10,000 per incident (and $50,000 per year).

Extended warranty

If you purchase an item from Citi Strata Premier and have a 5-year, qualified manufacturer warranty, the issuer will extend that warranty for 24 months. Additional terms may apply.

The Citi Strata Premier Card is also the world’s elite Mastercard, and is entitled to an additional cardholder Advantages of MasterCard. These perks include:

  • Zero liability protection
  • MasterCard ID Theft Protection
  • $5 Lyft Credit (once a month) If you take at least three rides a month
  • Free delivery of Instacart+ for the first two months, $10 from your second order each month
  • World Elite Concierge

Maximize City Layer’s premium benefits

The City Strata Premier Card has plenty of offers, especially if you know how to maximize its value. Here are some tips to help you do exactly that:

Get a welcome bonus

an Intro Bonus This is usually the best way to earn a large amount of card rewards in a short amount of time. With the Citi Strata Premier Card, you’ll earn 75,000 bonus points after spending $4,000 in the first three months of your account. This is $750 in cashback or travel rewards at Thankyou.com.

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Use the annual hotel perks

If you have a card that charges an annual fee, you need to make sure it can be easily offset. A $100 annual hotel discount for a hotel stay booked at least $500 on City Travel is a simple task for City Geologic Premier Cardholders. This perk alone will cover the $95 annual fee on your card.

I’ll pay back the balance

Credit cards are expensive. For example, the Citi Strata Premier card will charge a 28.24% variable APR of 20.24%. So it’s wise to avoid it Balance On this card.

Transfer points to City Partner

If your goal is to maximize travel rewards, consider transferring points to the issuer’s partner. In this way, you can potentially increase your point values, earning more than 1 cent each.

Consider other city cards

If you’re enjoying your Citi Strata Premier card, we recommend considering other cards from the issuer to create a combo. Pooling rewards from multiple cards within the same ecosystem will help you earn free trips and cashback more quickly.

for example, City Double Cash® Card Earn up to 2% cashback on every purchase (1% at purchase, 1% at payment). You can also add it City Custom Cash® Card To match your credit card strategy, earn 5% cashback on each billing cycle (expend up to $500 and get 1% back). Neither card charges will be charged annually.

Conclusion

City Strata Premier If you don’t travel regularly but are still interested in travel rewards, this is a solid option. This card comes with some valuable perks, including the annual hotel credits. That alone is enough to offset the $95 annual fee for Citi Strata Premier. Get familiar with the benefits of the card so you can maximize its value through both rewards and additional perks.

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