Question 1

Is the Citi Strata Premier worth the annual fee?

Accepted Answer

The Citi Strata Premier is worth its $95 annual fee if you use most of its 20+ benefits. Calculate your ROI by adding the value of credits you redeem, lounge visits, and points earned, then compare to the annual fee. If total value exceeds the fee, keep the card. Tools like kardfolio can automate this calculation.

Question 2

When do Citi Strata Premier benefits expire?

Accepted Answer

Citi Strata Premier benefits expire on different schedules: monthly credits reset on the 1st, quarterly credits every 3 months, and annual credits on your cardmember anniversary or calendar year end. Check each benefit's terms for specific dates. Benefit tracking apps can send alerts before expiration.

Question 3

How do I track Citi Strata Premier benefits?

Accepted Answer

Track Citi Strata Premier benefits by: 1) listing all 20+ benefits and their values, 2) recording when you use each benefit, 3) setting calendar reminders before credits expire, 4) calculating total value vs annual fee. Apps like kardfolio automate this with expiration alerts and ROI tracking.

Question 4

What are the Citi Strata Premier earning rates?

Accepted Answer

The Citi Strata Premier earns: 10x on Attractions booked through cititravel.com, 10x on Car rentals booked through cititravel.com, 10x on Hotels booked through cititravel.com. Base rate is typically 1x on all other purchases. Points can be redeemed through the issuer's portal or transferred to airline/hotel partners for potentially higher value.

Question 5

Does the Citi Strata Premier have foreign transaction fees?

Accepted Answer

No, the Citi Strata Premier has no foreign transaction fees. This makes it suitable for international travel and purchases in foreign currencies without the typical 3% fee charged by many cards.

Citi Strata Premier

Citi Strata Premier

Earning Rates

Card Benefits

Travel

Hotels

Entertainment

Account Services

Insurance

Card Details

Citi Strata Premier

Citi Strata Premier

Earning Rates

Card Benefits

Travel

Hotels

Entertainment

Account Services

Insurance

Card Details