Is the Citi Strata Premier Card subject to Chase 5/24?

No, the Citi Strata Premier Card is issued by Citi and is not subject to Chase's 5/24 rule. Citi has its own application rules, such as limiting new card approvals to one every 8 days and two every 65 days.

What credit score do I need for the Citi Strata Premier Card?

To be approved for the Citi Strata Premier Card, you generally need a good to excellent credit score.

What is the annual fee for the Citi Strata Premier Card?

The Citi Strata Premier Card has an annual fee of $95.

Does the Citi Strata Premier Card have foreign transaction fees?

No, the Citi Strata Premier Card does not charge foreign transaction fees.

How long do I have to meet the minimum spend for the Citi Strata Premier bonus?

You have 90 days from account opening to spend $4,000 on qualifying purchases to earn the 60,000 ThankYou Points welcome bonus.

Citi Strata Premier Card: Earn 60,000 ThankYou Points

Q: Can I get the Citi Strata Premier bonus twice?

No, you are not eligible for the welcome bonus if you have received a new cardmember bonus for any Citi ThankYou Points earning card, or closed any Citi ThankYou Points earning card, in the past 48 months.

The Citi Strata Premier Card currently offers a welcome bonus of 60,000 ThankYou Points, valued at an estimated $505, after spending $4,000 within the first 90 days of account opening. This card is a strong contender for churners looking to accumulate flexible travel rewards, provided they meet Citi's specific application rules. Eligibility requires a good to excellent credit score, and crucially, applicants must not have received a new cardmember bonus for any Citi ThankYou Points earning card, or closed any such card, in the past 48 months. With a $95 annual fee and no foreign transaction fees, it's a valuable option for those who can leverage its rewards, as of June 2026.

Current Welcome Bonus & Value

As of June 2026, the Citi Strata Premier Card offers a welcome bonus of 60,000 ThankYou Points. This bonus is estimated to be worth $505, providing a substantial boost to your travel fund or other redemption goals.

Minimum Spend to Earn It

To earn the 60,000 ThankYou Points welcome bonus, you must spend $4,000 on qualifying purchases within the first 90 days of account opening. Strategically planning your everyday spending and upcoming large purchases can help you meet this requirement efficiently.

Who's Eligible

Applying for the Citi Strata Premier Card involves several key eligibility criteria:

Credit Score: You generally need a good to excellent credit score for approval.
Citi Application Rules:
- Citi 1/8 Rule: You can typically only be approved for one Citi card (personal or business) every 8 days.
- Citi 2/65 Rule: You can typically only be approved for two Citi cards (personal or business) every 65 days.
Bonus Eligibility (48-Month Rule): You are not eligible for the welcome bonus if you have received a new cardmember bonus for any Citi ThankYou Points earning card, or closed any Citi ThankYou Points earning card, in the past 48 months.

Is It Worth It?

Considering the facts, the Citi Strata Premier Card presents a compelling offer for many churners:

Pros:

Valuable Welcome Bonus: The 60,000 ThankYou Points bonus, valued at $505, offers a strong return for the minimum spend.
Flexible Rewards: ThankYou Points are a versatile currency, transferable to various airline and hotel partners, or redeemable for travel, gift cards, and more.
No Foreign Transaction Fees: This makes the card an excellent choice for international travel, saving you money on purchases abroad.
Reasonable Annual Fee: The $95 annual fee is competitive for a card offering flexible travel rewards.

Cons:

48-Month Bonus Restriction: The strict 48-month rule for ThankYou Points earning cards means you need to plan carefully if you've recently engaged with other Citi ThankYou products.
Minimum Spend: The $4,000 spend requirement in 90 days, while standard for many premium cards, requires diligent tracking.

How to Apply

To apply for the Citi Strata Premier Card, visit the official Citi website or a trusted financial product comparison site. Ensure you review all terms and conditions before submitting your application. Always check your credit score beforehand to gauge your approval odds.

Alternatives

If the Citi Strata Premier Card isn't the right fit, or if you're looking for other Citi products, consider these related cards:

Citi® / AAdvantage® Platinum Select® World Elite™ Mastercard®: An airline co-branded card focused on American Airlines benefits.
Citi® / AAdvantage® Globe™ Mastercard®: Another American Airlines co-branded option.
Citi® / AAdvantage® Executive World Elite Mastercard®: A premium American Airlines co-branded card with lounge access and other benefits.

Note that these AAdvantage cards are not ThankYou Points earning cards and thus have different reward structures and bonus eligibility rules.

Offers change frequently and may not be available to all applicants. Information is provided for research; verify terms on the issuer's site before applying. Chuuurning may not be compensated by issuers.

Citi Strata Premier Card — 60,000 points bonus