Citi Strata Prime Minister’s Card Comment: Complete Details

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Overview of Citi Level Prime Minister’s Card

this Citigroup premiere card (See Rates and Fees) is a gem of radar with excellent reward categories. Although Citigroup points are not as good as Chase or Amex points, the ability to earn 3 points at a modest annual fee on qualified travel and catering purchases is still a good choice. Card rating*: ⭐⭐⭐

*Card ratings are based on the opinions of TPG editors and are not affected by the card issuer.

this Citi strata Prime Minister’s Card One of the best deals for a wide variety of daily expenses. It earns 3 points through airlines, electric car charging and gas stations, hotels, restaurants and supermarkets, which is a great bonus category in a bonus category, with the card paying $95 annually.

The points you get from the Citi-class Prime Minister are one of the most universal reward currencies, each worth 1.8 cents (according to TPG’s May 2025 valuation).

The recommended credit score for the Citigroup Prime Minister’s Card is 670 or higher.

If you are there and are considering applying, here are other things you should know about this card and why you might want to apply now.

Related: The Best Citi Credit Cards

The main advantages and disadvantages of the Citi class

Citi-class Prime Minister welcomes the offer

this Citigroup Prime Minister 60,000 bonus points will be offered after spending $4,000 in the first three months of opening.

According to TPG’s May 2025 Thanks Points, the bonus is worth $1,080.

This is a regular quote from the Prime Minister of the Strata. The card has previously provided up to 80,000 points for new cardholders (no longer available).

If you have received a new account bonus for the Citi Prime Minister or Citibank account in the past 48 months, the welcome bonus will not be available. It is also unavailable if you have converted another Citi credit card account to another Citi credit card account that you have received a new account bonus in the past 48 months.

Related: Final Guide to Credit Card Application Restrictions

Citi Level Advantages

most Citigroup Prime MinisterThe value proposition comes from its ability to earn bonus points in many categories without the need to charge a large annual fee. Therefore, you should not expect a lot of privilege.

However, this card has several benefits to help you recover your annual fee:

• $100 Annual Hotel Credit: Earn $500 or more single-trade hotel reservations (excluding taxes and fees) through the Citi Travel Portal and enjoy a $100 credit line per year.
• World Elite Mastercard Welfare: As the world’s elite Mastercard, the Citi-class prime minister has given several travel-related privileges that consumers may not know about. This includes a $5 monthly Lyft credit, three rides in the calendar month, and access to the Mastercard luxury hotel and resort portfolio to offer free breakfast and room upgrades (such as available room upgrades). With the World Elite Mastercard program, you will also enjoy allowances such as cell phone protection and global emergency services.
• Citi Entertainment: The program gives cardholders special access to tickets to thousands of events (from concerts and sporting events to unique dining experiences and movie screenings).
• No foreign transaction fees: Like any quality travel card, the Citi-class Prime Minister allows you to travel freely without incurring international expenses.

this Citigroup Prime Minister It can also easily help you travel, providing the following travel protection:

• Car rental coverage
• Lost or damaged luggage
• Travel Cancellation and Interruption
• Trip delay

I always make sure to use $100 annual hotel credit as this is a sure way to offset the annual fee. But, beyond that, there are not many other benefits to take advantage of the huge savings.

Related: Is Prime Minister Citi worth the annual fee?

Win points on Citigroup Prime Minister

this Citigroup Prime MinisterThe money-making structure of a card is where the card shines.

The card is available on hotels, car rentals and attractions booked on Citi Travel Portal, and costs 10 thank you points per dollar.

Cardholders also earn 3 points per dollar on purchases in the following categories, with no cap or annual limit:

• Air travel
• Electric car charging station
• Gas station
• hotel
• supermarket
• Restaurant (including takeaway)

This card earns 1 point per dollar on all other purchases.

These income rates are the most impressive of any travel reward card, especially given the affordable annual fee for the Citi tier. This is my go-to card for gas purchases because it’s unlimited 3 points per dollar, which reduces the stimulus of high gas prices in California.

I also often use this card to earn bonus points at supermarkets because unlike American Express® Gold, there is no spending cap on this category.

Related: 7 Best Credit Cards with annual fees under $100

The redemption point of the Citi-class prime minister

Citi Thanks for your points redeemed to get a stated credit, cash back or gift card. They can also transfer it to any of Citi’s partners (our advice).

You can redeem your thank you points to travel directly through the Citi portal at 1 cent per rate, but that’s much lower than TPG’s May 2025 Thankyou Points valuation, each at 1.8 cents. To get more value, you need to take advantage of the option to transfer points to Citi’s extensive transfer partner list.

Transfer points at the Citigroup premiere

this Citigroup Prime Minister Due to participation in the Thankyou Rewards program, there is currently a shopping, five hotels and 15 airline transfer partners, which is also the first choice for travelers.

While you will notice that many common flyer plans are international airline programs, you can still book high-value (easy to redeem) awards through them.

I found several transfer partners to be of great value, including the French Thousand Mile Flight Blue, which offers flights of only 60,000 miles and are able to be as short as 24 hours to a year. Last year, I moved the Citi Thanks Point to a Blue Flight, flying from Los Angeles to Dublin, and stayed in Paris for 60,000 points.

Another transfer partner I use is Singapore Airlines Krisflyer, which is a great way to book premium cabins with Singapore Airlines.

Related: The best way to redeem Citi’s thank you points

Which cards compete with the Citigroup?

As an affordable travel reward card, Citigroup Prime Minister There are some direct competitors that might be better for you:

• If you like chase cards: The Chase SapphirePreferred® card (see Rates and Fees) competes directly with the Citi Strata Premier and receives the same $95 annual fee. While Chase’s transfer partners, including United Mileageplus and Hyatt World, may be more beneficial to many travelers, there are some overlaps (such as Singapore Krisflyer and Virgin Atlantic Flying Club). For more information, read our full review of sapphire preferences.
• If you want a flat income rate: Try a risk reward credit card in the capital. It also charges the same $95 annual fee, but this card is flat for 2 miles per dollar on most purchases, rather than offering a bonus category. For more information, read our full review of the Risk Reward Card.
• If you want to add privileges: If you dine regularly, you may prefer the American Express® Gold Card. It has a higher rate of revenue in U.S. supermarkets (the first $25,000 per year, then $15,000 per year) and global restaurants (the highest $50,000 per year in annual purchases, then 1 point per dollar). It also comes with valuable credit that offsets a substantial $325 annual fee (see rates and fees). For more information, read our full review of Amex Gold.

For additional options, check out our full list of top travel reward cards.

Bottom line

Despite its competitors, Citigroup Prime MinisterA long list of bonus categories and reliable welcome bonuses makes it one of the most profitable points cards in its price range.

Multiple thanks for your reward transfer partners make this card compelling, especially for travelers looking to redeem points through various loyalty programs.

It’s worth seriously considering if you prefer Citi or look for a versatile travel reward card to add to your wallet.

Apply here: Citigroup Prime Minister

For Amex Gold Card rates and fees, click here.