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City Strata Elite: Is this new premium card worth $ 595? In this episode, we have the details of the City Strata Elite Card, and discuss its higher $ 595 annual fees, potential discounts and the benefits it offers. We all combine everything from travel and dining rates to the first $ 300 annual hotel benefit, $ 200 Sperge credit and appreciation priority pass membership. We compare this with other premium cards such as Chase Sapphire Reserve and American Express Platinum and speculate about its value and potential success. In conclusion, we weigh the beneficial conscience to determine if this card is for you. Official Terms:
Chapters 00:00 Introduction to Citi Strata Elite 00:12 Annual Fees and Discounts 01:24 Earning Points and Rewards Finghts and Conclusion #Newcreditcard #Citibank #Citistrataelite #PointsandMiles #Creditcardrumrs
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If you got $200,000 or a $million dollars in an account, you're really not concerned about the benefits or points of any credit card.
You said that the Reserve gets National Executive status and what else???
Oof they’re were cooking well and forgot to take it out the oven
Can see myself getting this card when the strata earns way better and just get the double cash if I really card
It’s easier credits than Amex or Chase by far but max $500 it’s a miss
Finding very little value is Pre Check since TSA keeps making improvements. CC companies are gonna have to come up with something better than that
A premium card at that price point that is "portal only" is a hard pass for me. Kind-of sad to see what is happening to "premium" travel cards these days.
Sorry, but Not interested in this card.
Strange multipliers that rely heavily on Citi travel portal, so unless their travel portal and transfer partners are at par with Chase, Cap 1 or Amex, not sure why one gets this card. The 1.5% on all other purchases is ok at best, remember that Chase has the point boost potential in their portal and Cap 1 VX is 2X on all else. Unless AA becomes a transfer partner, and you're Citi Gold or Citi Private client, not sure why you get this card.
Thanks for the great analysis. Helped me decide to pass. Agree that I hope Amex makes the decision to change to a 1.5X on all other charges from the 1X. Same for CSR.
Waited for this for years. Will prob not get if rumors are accurate . Chase Reserve with Visa Infinite or Amex Plat seem better based on conjecture and rumors. If it’s garbage, I ‘ll cancel my strata premier and go for nice SUB on CSR. Win for me either way. Thanks for the good/reliable content, Matt.
I don't think this card is as bad as folks are making it out to be. They seem like relatively easy to use credits so a $95 fee if they're valued at 100%. Card also seems like a solid earner for folks who eat out (most of us). Throwing in 4 admirals club passes, I really think this card has some potential. RIP to the Prestige folks tho.
I was expecting Matt's Citi coverage to be Tucker Carlson Tonight but ended up getting The O'Reilly Factor during the Obama years!
At least have 5X and then 6X on CITI Nights
I'll keep my Venture X for 2X on everything, a decent travel portal, primary rental car coverage, and better transfer partners. The travel portal earning, Admirals Club passes, and 6X dining on the weekend are nice, but not worth it. Not bad, not good, probably right where Citi wants it to be.
I don’t think Citi is gonna build their own lounge any time soon if they use AA admiral club as a cushion.
Might as well go with AA executive card , you get full admiral club access
I like the Citi Nights perk. I mostly go out to eat those nights
No Citi cards for 2 years, then I apply just for SUB, and I am AU on P2 Citi Costco Visa
Great video
In the best case scenario, You can extract the annual fee from the credits. As priorty pass is worth nothing, you need to justify the work only by multipliers and the aa passes, the multipliers are bad (citi nights might be interesting, but not enough), so the aa passes might be worth it if you are able to work and justify the annual fee, and you are a casule traveler. Any other thing, you are better off with the c1 vanture x
My first thought
Amex Green/ Gold duo a better value for more people.
Nice honest reaction video.
New sapphire reserve looking better now huh
Its a weird card. Other than a point grab, its not appealing at all to me,
This is hot garbage. I’m so disappointed I was considering moving into Citi but I’m may wait and see what the refresh of the platinum and hope it have massive welcome bonus
Don’t hold back Matt!!
What are the travel insurance benefits of this card? Not yet known.
It's a value pick. I think people are too hard on it. It doesn't compete with the CSR or platinum directly. It's comfortably a tier below. VX, Ritz etc. The multipliers suck though. I'd rather they bump the catch-all to 2x or 3x on shiti nights or something. Would be a lot more interesting.
If you’re a solo traveler get a strata premier, custom cash, and venture X and you’re most of the way there excluding AA lounges and useless credits for $105 less. Big miss and not a great welcome offer either like you said
Don’t see the concern with Citi nights.
It seems like for Citi Prestige folks they had access to better customer service compared to regular customer service. I’m sure that will be true for this card.
Could be worse. Could be BILT customer service.
There’s good and bad in all these cards; I’m still going to give it a shot. I would’ve preferred them to reopen applications for the Prestige card.
If this card had a 100K-125K welcome offer that didn't require holding 200K in assets with Citi I'd hold my nose and consider giving it a shot. I go out a lot on friday and saturday nights, especially in groups, maybe it would make a certain amount of sense. 80K offer, no non-portal travel category, and credits are weird/disappointing makes it a pass
Nothing burger!
Black lane is a black hole lol!!
Not the best but, not the worst
I’d say I’d be happy once the AA transfer hits but I’ll likely be a delta guy by 2027.
Interesting. It may be a swing and a miss at the Venture X.
Not sure why you’d bother with this vs just getting double cash and strata premier. Or the AA executive if you actually fly a lot and want the lounges. But PP alone is practically worthless in the US and 99% of Americans aren’t traveling internationally all that often.
Not for me but the admirals club passes are interesting, something I'd like to see Amex and Chase consider
80,000 SUB isn't spectacular but given the transfer partners most people want it's SUBpar
12x hotels would be good if a person had a La Quinta or Radisson Blu preference and liked their portal.
12x car rentals would be good IF this card had primary coverage…which it doesn't.
6x air travel through the portal won't work with the approx. 97% of people that wouldn't dare not booking directly
6x dining (Sat/Sun) is actually perfect for those people that go to Outback, eat the bloomin' onion weekly, and use their miles to fly to Cancun once a year.
3x at restaurants can easily be dwarfed by triple dipping in the MileagePlus X app and stacking for cheap/desirable domestic flights
1.5x on all other purchases is a total joke when the 2% Double Cash is $0 and you can't transfer to a partner that most of the public prefers anyway.
The 4 AA club passes are useless since most people would already have access with their other cards. Heck, the Explorer is a bargain compared to this 'benefit' at this card's AF.
From Prestige to Disgrace + $100
This card was in the oven so long they flat out forgot about it and overcooked it.
The Chase Quarterly categories that you have to activate are pretty stupid too.
Wake me up when AA becomes a transfer partner.
I’ve had my Strata locked for the past 3 months because I just don’t use it.