Citi Strata Premier: Fees, ThankYou Points & Travel Terms

Citi’s stated annual fee is $95. This is Citi’s pricing disclosure as retrieved on the review date; it is not offset against benefits. Citi’s stated fee for foreign purchases is none. This establishes Citi’s stated fee, not a currency-conversion rate, merchant acceptance, or another party’s pricing.

Citi states 10 total ThankYou Points per $1 on qualifying hotel, car-rental and attraction bookings through Citi Travel at cititravel.com or the stated phone channel. This is a stated total-points rate for those booking categories and channels; air travel is excluded. For a points-plus-card booking, only the card-paid portion earns points, and cancelled bookings do not earn points. Citi states 3 points per $1 on air travel and other hotel purchases, restaurants, supermarkets, and gas and EV charging; all other purchases earn 1 point per $1. Citi defines air travel and other hotels as airlines, hotels not booked with Citi Travel and travel agencies. Category definitions, merchant coding and exclusions control whether a purchase qualifies. Citi does not control a merchant’s category code and reserves the right to determine qualifying purchases for additional points. Restaurant, supermarket, and gas/EV categories have stated exclusions. Returns, refunds and stated cash-like or non-purchase transactions also do not earn points; the terms’ reference to foreign-currency purchases means purchasing currency, not ordinary purchases abroad.

Once per calendar year, Citi states $100 off one hotel stay of $500 or more, excluding taxes and fees, booked through Citi Travel. This is a stated booking reduction, not a transferable cash benefit or guaranteed net value. Citi defines the benefit year on a calendar-year Eastern Time basis. The complete qualifying stay must be prepaid with the card, ThankYou Points, or both, and Citi applies the $100 at booking. The primary cardmember must make the reservation. Package rates and other booking channels do not qualify; changes and cancellations must be made through Citi Travel’s stated channels. A Citi Travel cancellation can restore the benefit only for remaining days in the same calendar year; cancelling a nonrefundable hotel purchase forfeits the benefit used. Citi’s cross-year example can forfeit a prior-year benefit. The terms also state that no points are earned on the hotel-purchase portion offset by the benefit.

Citi lists Strata Premier among cards eligible to transfer available, qualifying ThankYou Points to participating airline and hotel loyalty-program accounts. Available programs are account- and partner-specific. A public partner list is not a promised ratio, award, or point value. Citi states that submitted points transfers cannot be cancelled or reversed, and transferred partner currency cannot move back to ThankYou Points. After transfer, the receiving program’s terms and restrictions apply. A transfer option does not establish award availability. Citi currently states a 1,000-point minimum and increments, a 500,000-point maximum per transfer, no transfer fee, and timing that can take up to 14 days. Citi says names on the ThankYou and partner accounts must match, and not all points are transferable. Some partners can post within 24 hours.

Citi currently publicly lists Trip Cancellation and Trip Interruption, Trip Delay, Lost or Damaged Luggage, and MasterRental Coverage; its Strata comparison also lists Extended Warranty and Purchase Assurance Plus. This establishes named public availability only. It does not establish a coverage amount, covered cause, trigger time, exclusion, rental qualification, or claim deadline. Citi directs approved cardmembers to the Guide to Protection Benefits for more information. Citi says benefits are subject to terms, conditions and limitations, including coverage limits, and are secondary unless otherwise stated. The current cardholder guide controls any coverage review.

NOT_ESTABLISHED from the reviewed current public Citi materials. Reviewed Citi materials identify lounge benefits for other Citi products and list lounge passes for Strata Elite, but do not expressly resolve Strata Premier’s lounge-access state. This guide preserves NOT_ESTABLISHED rather than inferring an answer from absence.