{"id":201777,"date":"2025-04-09T22:00:23","date_gmt":"2025-04-09T22:00:23","guid":{"rendered":"https:\/\/awardwallet.com\/blog\/?p=201777\/"},"modified":"2026-04-08T14:12:35","modified_gmt":"2026-04-08T14:12:35","slug":"welcome-bonus-restrictions-citi-strata-premier","status":"publish","type":"post","link":"https:\/\/awardwallet.com\/news\/credit-cards\/welcome-bonus-restrictions-citi-strata-premier\/","title":{"rendered":"Citi Adds New Restrictions to The Citi Strata Premier Card\u2019s Welcome Bonus \u2014 Here\u2019s What Changed"},"content":{"rendered":"<p>The <a data-ccid=\"520083\" href=\"https:\/\/awardwallet.com\/credit-cards\/citi-thankyou-rewards\/citi-strata-premier\/\">Citi Strata Premier<sup>\u00ae<\/sup> Card<\/a> (<a data-ccid=\"520083\" href=\"https:\/\/click.linksynergy.com\/fs-bin\/click?id=a3pDkecFgAg&offerid=1978593.4328&type=3&subid=0\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a>)\u00a0offers a great mix of value and perks; it's one of my favorite &#8220;keeper cards&#8221; in my wallet. With a reasonable annual fee and solid earning rates, it easily justifies its cost. Whether you're earning rewards on daily spending or taking advantage of travel benefits, this card delivers.<\/p>\n<p>However, if this isn't a card you've applied for yet, there are new terms and conditions attached to its welcome bonus. Here's what you need to know.<\/p>\n<div id=\"toc_container\" class=\"toc_light_blue no_bullets\"><p class=\"toc_title\">Page Contents<\/p><ul class=\"toc_list\"><li><a href=\"#Previous_Citi_Strata_Premier_Welcome_Offer_Restrictions\">Previous Citi Strata Premier Welcome Offer Restrictions<\/a><\/li><li><a href=\"#New_Restrictions_on_the_Citi_Strata_Premier_Welcome_Offer\">New Restrictions on the Citi Strata Premier Welcome Offer<\/a><\/li><li><a href=\"#How_These_New_Restrictions_May_Impact_You\">How These New Restrictions May Impact You<\/a><\/li><li><a href=\"#Bottom_Line\">Bottom Line<\/a><\/li><\/ul><\/div>\n\n<h2><span id=\"Previous_Citi_Strata_Premier_Welcome_Offer_Restrictions\">Previous Citi Strata Premier Welcome Offer Restrictions<\/span><\/h2>\n<p>Prior to the recent restrictions implemented, the rules for earning this welcome bonus were fairly straightforward:<\/p>\n<blockquote><p><strong><em>Bonus ThankYou<sup>\u00ae<\/sup> Points are not available if you have received a new account bonus for a Citi Premier\u2120 Card or Citi Strata Premier<sup>\u00ae<\/sup> Card account in the past 48 months.<\/em><\/strong><\/p><\/blockquote>\n<p>Essentially, you just couldn't earn another welcome bonus if you've gotten one from applying for the same card within the past four years (48 months).<\/p>\n<h2><span id=\"New_Restrictions_on_the_Citi_Strata_Premier_Welcome_Offer\">New Restrictions on the Citi Strata Premier Welcome Offer<\/span><\/h2>\n<p>Before making any plans on how you're going to use those 60,000 <a target=\"_blank\" href=\"\/credit-cards\/citi-thankyou-rewards\/\" rel=\"noopener\">ThankYou<sup>\u00ae<\/sup> points<\/a>, you'll now need to account for other Citi cards you've earned welcome bonuses on, and whether or not those have been product changed.<\/p>\n<p>Per Citi's terms and conditions, here is the new rule:<\/p>\n<blockquote><p><em><strong>Bonus ThankYou<sup>\u00ae<\/sup> Points are not available if you received a new account bonus for a Citi Premier\u2120 Card or Citi Strata Premier<sup>\u00ae<\/sup> Card account in the past 48 months or if you converted another Citi credit card account on which you earned a new account bonus in the last 48 months into a Citi Premier or Citi Strata Premier account.<\/strong><\/em><\/p><\/blockquote>\n<p><div class=\"qs-card\" data-id=\"520083\">\n            <div class=\"qs-data\">\n                <div class=\"qs-view\">\n                    <div class=\"qs-cardname\">Citi Strata Premier<sup>\u00ae<\/sup> Card<\/div>\n                    <div class=\"qs-image\"><img src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-src=\"https:\/\/cdn.nextinsure.com\/imaging\/opt\/11937075.png\" width=\"150\" alt=\"Citi Strata Premier\u00ae Card\" \/ class=\"lazyload\"><\/div>\n                    <div class=\"qs-apply\"><a class=\"qs-learn-more\" data-ccid=\"520083\" href=\"https:\/\/awardwallet.com\/credit-cards\/citi-thankyou-rewards\/citi-strata-premier\/\">Learn More<\/a><\/div>\n                    <div class=\"qs-rates\"><span class=\"qs-terms\"><a data-ccid=\"520083\" href=\"https:\/\/click.linksynergy.com\/fs-bin\/click?id=a3pDkecFgAg&offerid=1978593.4328&type=3&subid=0\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a><\/span><\/div>\n                    <div class=\"qs-offer\"><strong>Welcome Offer<\/strong>\r\nEarn 60,000 bonus ThankYou<sup>\u00ae<\/sup> Points after spending $4,000 in the first 3 months of account opening, redeemable for $600 in gift cards or travel rewards at thankyou.com.<\/div>\n                <\/div>\n                <div class=\"qs-info\">\n                    <strong class=\"qs-cardname\">Citi Strata Premier<sup>\u00ae<\/sup> Card<\/strong>\n                    <div class=\"qs-offer\"><strong>Welcome Offer<\/strong>\r\nEarn 60,000 bonus ThankYou<sup>\u00ae<\/sup> Points after spending $4,000 in the first 3 months of account opening, redeemable for $600 in gift cards or travel rewards at thankyou.com.<\/div>\n                    <div class=\"qs-fee\"><strong>Annual Fee:<\/strong><b>$95<\/b><\/div>\n                    <div class=\"qs-tabs\"><a class=\"qs-more\" href=\"#more\">Show more<\/a><a href=\"\" data-tab=\"wwl\">Why We Like It<\/a><a href=\"\" data-tab=\"hl\">Highlights<\/a><a href=\"\" data-tab=\"er\">Earning Rates<\/a><div class=\"qs-tab-wwl\">The Citi Strata Premier<sup>\u00ae<\/sup> Card offers some of the best earning rates of any rewards card with an annual fee under $100. This card offers excellent rewards on an unusually generous list of earning categories, including air travel, hotels, car rentals, groceries, and dining\u2014and it tops our list of the best cards for <a href=\"https:\/\/awardwallet.com\/credit-cards\/best-credit-cards-for-gas\/\">gas & fuel purchases<\/a>. <\/div><div class=\"qs-tab-hl\"><ul><li>Earn 60,000 bonus ThankYou<sup>\u00ae<\/sup> Points after spending $4,000 in the first 3 months of account opening, redeemable for $600 in gift cards or travel rewards at thankyou.com.<\/li><li>Earn 10 Points per $1 spent on Hotels, Car Rentals, and Attractions booked on CitiTravel.com. <\/li><li>Earn 3 Points per $1 on Air Travel and Other Hotel Purchases, at Restaurants, Supermarkets, Gas and EV Charging Stations. <\/li><li>Earn 1 Point per $1 spent on all other purchases<\/li><li>$100 Annual Hotel Benefit: Once per calendar year, enjoy $100 off a single hotel stay of $500 or more (excluding taxes and fees) when booked through CitiTravel.com. Benefit applied instantly at time of booking.<\/li><li>No expiration and no limit to the amount of points you can earn with this card<\/li><li>No Foreign Transaction Fees on purchases<\/ul><\/div><div class=\"qs-tab-er\"><ul>\r\n<li>10X on Hotels, Car Rentals, and Attractions booked through CitiTravel.com<\/li>\r\n<li>3X \u2013 Earn 3 Points per $1 spent on Air Travel and Other Hotel Purchases<\/li>\r\n<li>3X \u2013 Earn 3 Points per $1 spent on Restaurants<\/li>\r\n<li>3X \u2013 Earn 3 Points per $1 spent on Supermarkets<\/li>\r\n<li>3X \u2013 Earn 3 Points per $1 spent on Gas and EV Charging Stations <\/li>\r\n<li>1X \u2013 Earn 1 Point per $1 spent on All Other Purchases<\/li>\r\n<\/ul><\/div><\/div>\n                <\/div>\n            <\/div>\n            <a class=\"qs-share\" href=\"\/find-a-card\/CitiPremier\/\" title=\"copy\"><svg width=\"12\" height=\"16\" viewBox=\"0 0 12 16\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><use href=\"https:\/\/awardwallet.com\/blog\/wp-content\/themes\/awardwallet\/public\/builds\/icon\/icon-sprite.svg?v2026-5-29d74ed799#share-square\" fill=\"currentColor\"><\/use><\/svg><\/a>\n        <\/div><\/p>\n<figure id=\"attachment_189289\" class=\"wp-caption aligncenter\"><img data-aspectratio=\"600\/480\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" class=\"wp-image-189289 lazyload\" data-src=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/11\/Credit-Card-Shopping-Tima-Miroshnichenko-Featured-Pexels.png\" alt=\"A Low Angle Shot of an Elderly Man Using His Mobile Phone\" width=\"600\" height=\"480\" data-srcset=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/11\/Credit-Card-Shopping-Tima-Miroshnichenko-Featured-Pexels.png 1000w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/11\/Credit-Card-Shopping-Tima-Miroshnichenko-Featured-Pexels-300x240.png 300w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/11\/Credit-Card-Shopping-Tima-Miroshnichenko-Featured-Pexels-768x614.png 768w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/11\/Credit-Card-Shopping-Tima-Miroshnichenko-Featured-Pexels-325x260.png 325w\" sizes=\"(max-width: 600px) 100vw, 600px\" \/><center><em>Credit: Tima Miroshnichenko\/Pexels<\/em><\/enter><\/figure>\n<h2><span id=\"How_These_New_Restrictions_May_Impact_You\">How These New Restrictions May Impact You<\/span><\/h2>\n<p>Luckily, this mainly depends on what other cards you've opened or <a target=\"_blank\" href=\"\/credit-cards\/citi-product-change-rules\/\" rel=\"noopener\">product changed with Citi<\/a>. Most users may not need to worry about this change at all if they've never product-changed any Citi cards or have only held onto the <a data-ccid=\"520083\" href=\"https:\/\/awardwallet.com\/credit-cards\/citi-thankyou-rewards\/citi-strata-premier\/\">Citi Strata Premier<\/a> (or its predecessor) for a few years.<\/p>\n<p>However, if you've product changed a different Citi card to the Citi Strata Premier recently, you'll need to consider this new restriction.<\/p>\n<p>Here's an example of how this works:<\/p>\n<ul>\n<li>Let's say you opened a <a data-ccid=\"4048250\" href=\"https:\/\/awardwallet.com\/credit-cards\/citi-thankyou-rewards\/citi-custom-cash\/\">Citi Custom Cash<sup>\u00ae<\/sup> Card<\/a> card on <strong>May 1, 2023<\/strong>. You earned the welcome bonus within the first month of opening the account.<\/li>\n<li>Last year, you decided to upgrade that card to a Citi Strata Premier. You called to product change the card on <strong>October 1, 2024<\/strong>.<\/li>\n<li>Now, you've decided that you want to earn the welcome bonus on the Citi Strata Premier card. Because of this product change, you are now not eligible for a Citi Strata Premier welcome bonus until <strong>June 1, 2027<\/strong>\n<ul>\n<li>This would be 48 months since you earned the Citi Custom Cash welcome bonus. This also applies even if you've closed the account.<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p><strong>Related: <a target=\"_blank\" href=\"\/credit-cards\/citi-product-change-rules\/\" rel=\"noopener\">Citi Product Change Rules: How and Why To Switch Credit Cards<\/a><\/strong><\/p>\n<h2><span id=\"Bottom_Line\">Bottom Line<\/span><\/h2>\n<p>Every credit card issuer has <a target=\"_blank\" href=\"\/credit-cards\/rewards-card-application-rules\/\" rel=\"noopener\">its own set of rules<\/a>, which can be tough to keep track of. With recent changes, Citi now states that you won\u2019t be eligible for the <a data-ccid=\"520083\" href=\"https:\/\/awardwallet.com\/credit-cards\/citi-thankyou-rewards\/citi-strata-premier\/\">Citi Strata Premier<\/a> welcome bonus if, in the last 48 months, you\u2019ve either earned a bonus on this card or product changed from another card that was later upgraded to the Citi Strata Premier.<\/p>\n<p>This is an important detail to consider when planning your <a target=\"_blank\" href=\"\/credit-cards\/credit-card-strategy\/\" rel=\"noopener\">credit card application strategy<\/a> and should be kept in mind as you decide whether to apply for this card.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>The Citi Strata Premier\u00ae Card\u00a0offers a great mix of value and perks; it&#8217;s one of my favorite &#8220;keeper cards&#8221; in my wallet. However, if you&#8217;re looking to earn a bonus on this card, there are new terms and conditions attached to its welcome bonus. Here&#8217;s what you need to know.<\/p>\n","protected":false},"author":101,"featured_media":126066,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":"","_wpscppro_dont_share_socialmedia":null,"_wpscppro_custom_social_share_image":0,"_facebook_share_type":"default","_twitter_share_type":"default","_linkedin_share_type":"default","_pinterest_share_type":"default","_linkedin_share_type_page":"","_instagram_share_type":"default","_medium_share_type":"default","_threads_share_type":"","_google_business_share_type":"","_selected_social_profile":[],"_wpsp_enable_custom_social_template":false,"_wpsp_social_scheduling":{"enabled":false,"datetime":null,"platforms":[],"status":"template_only","dateOption":"today","timeOption":"now","customDays":"","customHours":"","customDate":"","customTime":"","schedulingType":"absolute"},"_wpsp_active_default_template":true},"categories":[12069],"tags":[12519,12785],"coauthors":[36487],"class_list":["post-201777","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-news","tag-application-strategy","tag-citibank"],"acf":[],"_links":{"self":[{"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/posts\/201777","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/users\/101"}],"replies":[{"embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/comments?post=201777"}],"version-history":[{"count":25,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/posts\/201777\/revisions"}],"predecessor-version":[{"id":256908,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/posts\/201777\/revisions\/256908"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/media\/126066"}],"wp:attachment":[{"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/media?parent=201777"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/categories?post=201777"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/tags?post=201777"},{"taxonomy":"author","embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/coauthors?post=201777"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}