He Citi Strata card (see rates and rates) is a popular starting card with No annual rate and a good entrance point to the Citi Thankyou rewards ecosystem.
Pay the annual rate in the Citi Strata Premier® (see rates and rates) It can be worth it if you want to raise your trip. The card offers higher gain rates in key bonus categories and better access to CITI airline transfer partners.
Consider the following reasons why you must update the Citi strata to the Premier strata.
Win more thanks reward points
As an annual rate card, the Citi strata WIN:
- 5 points per dollar spent on attractions, car rentals and reserved hotels Citi Travel
- 3 points per dollar spent on electric vehicle load stations, service stations, selected traffic and supermarkets
- 3 points per dollar spent in an eligible self-select category (which can change quarterly)
- 2 points per dollar spent on restaurants
However, the Prime Minister It offers higher gains rates and slightly different bond categories. Include the following:
- 10 points per dollar spent on attractions, car rentals and hotels reserved through Citi Travel
- 3 points per dollar spent on air trips, EV load stations, gas purchases, hotels (reserved outside Citi Travel), restaurants and supermarkets
The Premier stratum is a more focused card on the trip. Win more in select purchases of Citi trips, in addition to air rates and hotels reserved outside Citi Travel. Frequent travelers can find the even more rewarding citi strata.
The update also increases the increase in bonus in restaurants at 3 points per dollar spent from 2 points per dollar spent, which can add during the year.
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Related: Should you reserve hotels through Citi Travel?
Your thanks points are more valuable
When updating the Citi strata, you can gain more thanks and unlock a better value for your points won with so much effort.
Both letters can transfer the points of thanks to Citi’s 22 transfer partnersincluding high value options such as American Airlines Aadvantage, Qatar Airways privileges club and Virgin Atlantic Flying Club. He Prime Minister It has a slight advantage; You can transfer points to most partners in a 1: 1 ratio.
Citi strata can It only transfers to a 1: 0.7 ratio For most partners. Regardless of the partner who is considering, the Strata card will always have a worse transfer ratio than the Premier stratum.
This makes a big difference when considering transferring tens of thousands of points to ensure a requested commercial class ticket.
By taking advantage of the transfer partners with the Premier stratum, you can obtain more than 1.9 cents per point (based in September 2025 of TPG. Valuations). I consistently obtain between 4 and 9 cents per point when transferring points to an associated airline for executive class redemption.
Related: Strata, Premier or Elite: How to choose a Citi Strata credit card
Most valuable benefits
Even with the annual rate of $ 95, the Prime Minister It offers additional benefits that help justify its cost every year. Two significant benefits that can maximize are:
- Annual Hotel Credit of $ 100: A loan of $ 100 once a year for hotels of one single statistic of $ 500 or more (excluding taxes and rates) made through Citi Travel
- Benefits of World Elite Mastercard: The Citi Strata Premier Offers Several Travel-Related Perks, Including at $ 5 Monthly Lyft Credit After Taking Three Rides In A Calendar Month (Offer Ends Jan. 31, 2026), to Three-Month Trial of Instant+ With a new subscription and $ 10 off your second ELEGIBLE Instant Purchase Each Month (Offer Ends Jan. 31, 2027) and Access to the Mastercard Luxury Hotels and Resorts Portfolio for On-Property Advantages such as courtesy breakfast and room updates (with availability)
Since the Premier stratum is a more premium card than the CITI strata, you also get access to the Citi cured hotels collection and you will receive eliteling benefits when booking through Citi Travel.
As head of the strata card, you will receive the following travel protections:
- Car rental coverage
- Lost or damaged luggage protection
- Travel cancellation and interruption insurance
- Travel delay coverage
This is a more complete coverage than you will receive from the annual rate strata card.
Related: Citi Hotels Collection and Reserve: Get Free Breakfast and Premium advantages
Consider apply instead of updating
If you really want to maximize your points of sale, Consider applying For him Prime Minister instead of updating from the Citi Strata card.
For headlines, premier card holders New Strata earn 60,000 bonus points after spending $ 4,000 in the first three months of opening the account. Based on TPG valuations, the welcome offer is worth $ 1,140.
If you update a Citi Strata card, you will not win a Welcome offer. The welcome bonus of this card is not available either if you have received a new account account for a Citi Premier or Citi Strata Premier account in the last 48 months.
Nor can you win it if you have converted another Citi credit card account that you obtained a new account account in the last 48 months on a Premier or Strata Premier Card.
While you can qualify For the welcome bonus of the Prime Minister of strata, it is worth considering whether to request the card is a better strategy than to obtain an update.
By keeping the strata card instead of updating it, you can use the Premier strata and strata together to maximize the points of obtaining points in more categories.
For example, you can place the select traffic and eligible purchases of category self -elected in the CITI strata and all other travel and restaurants on the Premier Strata card.
End
The benefits and income potential of the Prime Minister Most likely, it exceeds the cost of the annual rate and will present a better long -term value than the Citi Strata card.
In general, the best benefits you will receive are the ability to transfer points to most partners in a 1: 1 relationship and bonus categories centered on the trip.
Evaluate what is in your wallet to ensure that you always get the maximum possible value, which can mean that an update is on the horizon.
For more information, read our complete review of the Citi strata and Prime Minister.
Apply here: Prime Minister
