He Citi Strata Premier® (see rates and rates) It is CITI’s middle -level travel card. The Premier stratum gains bonus points in the daily expenses categories and unlocks the access of total value to the transfer partners.
But with so many other good options, is it worth the annual rate of $ 95? Next, we break down the important aspects of the card so you can decide if it is for you.
Welcome offer
He Prime Minister It currently offers 60,000 bonus points after spending $ 4,000 within the first three months since the opening of the account.
Citi Thankyou The points are worth 1.9 cents each according to September 2025 Valuationscausing this valga bonus $ 1,140.
We recommend requesting the card when a High welcome offer At least 70,000 points are available to maximize your initial investment in the opening of the card and pay the annual rate.
Before applying, consider your eligibility as well. According to Citi:
The bonus thanks are not available if you received a new account account for a Citi Premier® or Citi Strata Premier® in the last 48 months or if you converted another CITI credit card account in which you obtained a new account account in the last 48 months in a Citi Premier® or Citi Strata Premier® account.
Related: The best ways to redeem Citi’s rewards points thanks
Solid points that win
If you ask people what they like about Prime MinisterThe most common answer is likely to win points in the popular expenses categories.
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The card earns 10 points per dollar spent attractions, car rentals and hotels reserved through the Citi Travel Portal.
In addition, the Premier stratum wins 3 points per dollar spent in the following categories (without annual limits or limits):
- Air trip
- Electric vehicle load stations
- Service stations
- Hotels (Non Ititi Travel Purchases)
- Restaurants (including carrying food)
- Supermarkets
All other purchases earn 1 point per dollar spent.
TPG credit card writer Danyal Ahmed Regularly uses your Premier Strata card to pay gas and groceries, which helps you accumulate points of thanks quickly. Win bonus points on daily spending and the impressive transfer partners of Strata Premier motivated him to request the card.
In addition, strata bonus categories are applied worldwide, unlike some cards that only offer bonus points in Purchases within the US.
Related: Should you reserve hotels through Citi Travel?
Transferred partners
When determining if the annual $ 95 rate of the Premier stratum is worth it, consider which programs of frequent airline flyers can access. Citi has some great transfer partners such as Qatar Airways privileges club, Air France-Klm Flying Blue and Virgin Atlantic Flying ClubBut the most notable is the Recently added American Airlines Aadvantage.
Although Citi cards from Tar to the non -annual are also transferred to AadvantageThe ratio is unfavorable to 1: 0.7. The Premier stratum is the most affordable annual rate card to transfer points to a 1: 1 ratio, so it is an investment that is worth it.
Danyal is a great admirer of the Aadvantage program, and the ability to transfer thanks to the program is a sufficient reason for him to continue paying the annual rate year after year.
Hotel credit
As a card holder, you will get an annual benefit of $ 100 discount on a single stay at a $ 500 or more hotel (excluding taxes and rates) when it reserves Citi Travel.
However, although this benefit sounds promising and can be excellent when they are housed in boutique and independent properties, it may not generate the $ 100 in savings you expect.
Before making a hotel reservation at Citi Travel, see the hotel price when it is reserved directly to compare if you are getting the best rate. Citi Travel does not always have the lowest rate, so its $ 100 discount may not be a solid agreement.
Reservations through travel portals such as Citi Travel typically Do not win hotel points or honor elite benefitsSo keep that in the $ 100 discount.
Related: What you need to know about direct travel reserves versus third
Travel and purchase protections
He Prime Minister Provides the following travel protections:
Additional information about policies and exclusions can be found here.
Purchasing protections include:
Benefits of World Elite Mastercard
As World Elite Mastercard Card holder, you can enjoy additional advantages such as Global Emergency Services, $ 5 Lyft Credit when you make at least three trips in a month (the offer ends on January 31, 2026) and $ 10 discount on your second request to instant each month, along with three months of courtesy instant+ (the offer ends on January 31, 2027).
Entertainment advantages
Any person with a CITI credit card, including the Prime MinisterYou can access Citi Entertainment.
This provides access to exclusive events and priority access for the sale of anticipated tickets to concerts, film festivals, performances and shows.
End
Since the benefit of the hotel may not provide the full value of $ 100, if the Premier stratum is worth its annual rate of $ 95 will depend on the points you win and how to value them.
If you can maximize the bonus categories and obtain a good value of CITI transfer partners, it may be valuable performance far beyond the annual rate. However, if you want a more tangible value of declaration loans and other advantages, you likely wanting to go with a Different credit cardLike the most premium Citi Strata Elite card℠ (see rates and rates).
For more information, read our Complete Review of Premier Strata.
Apply here: Prime Minister
