Citi Strata Premier - Keep or Cancel????

[@druiz012]

Love that you said I can have access to just the Citi Partners and still kill it. When people complain about Citi or C1 partners I think, you just need to do a little bit of homework. But I do get your reasoning for thinking about canceling. I'd take that 10k retention offer too! $3k in 6 months? No problem. Citi transfer partners for 1 more year! Thats a win.

[@LukesPointsandMiles]

100%. Thanks for watching Druiz!!!

[@DugrozReports]

Is that background music? Just my preference, but I could do without it. My hearing is not the best, so anything extra is at least slightly distracting. 👍👍👍

[@LukesPointsandMiles]

I’ve been trying to get feedback on it. I’m not really a fan either.

[@UghIHateTheseThings]

I think the music suits some channels. But uncle lukes personality is always neutral and straight to the point, personally I feel like no music suits his personality better.

[@JuanGarcia-hr1wf]

Nice video Luke on your thought process on whether or not to keep the Citi Strata Premier. I’m just finishing my 75K sub with Citi Strat Premierand I can see myself keeping the card long term as it hits all my daily multipliers and I don’t have an alternative such as WF Autograph or C1 Savor card.

[@LukesPointsandMiles]

@@JuanGarcia-hr1wf makes sense. It’s a great card

[@bt3299]

Thumbs up, Thx for info I was thinking about getting this card but can't justify the annual fee compared to the earning and unusable credit

[@LukesPointsandMiles]

@@bt3299 thanks for watching !!

[@B47ANCE.]

Im considering product swapping to the custom cash and getting the rewards + card cause the capital one savor one does the exact same without an annual fee

[@LukesPointsandMiles]

@@B47ANCE. I can see that but if you lose the premier won’t you lose access to transfer partners

[@jimmyjames6492]

Great info! Thanks for the info + video!

[@LukesPointsandMiles]

@@jimmyjames6492 thanks for stopping by, Jimmy!!!!!

[@anthonyjames4319]

I know everyone isn’t eligible, but I would love your opinion on the Navy Federal Flagship card. It seems competitive but I’m on the fence.

[@LukesPointsandMiles]

@@anthonyjames4319 I have it. I’m a huge fan of navy federal in general.

[@Just_Stevo]

I have ridiculous gas spend. I use the custom cash and player two uses the Citi CSP.

[@LukesPointsandMiles]

@@Just_Stevo that’s a lot of TY points!!

[@johnny_ma]

I downgraded mine when my premier was auto upgraded to the Strata Premier. Will see what the next card that is part of Strata brings

[@LukesPointsandMiles]

@@johnny_ma not getting $95 of value out of the card, even when they improved it?

[@johnny_ma]

​@@LukesPointsandMiles not really, have other cards that I use on a daily basis and realistically was only into the Premier for the welcome bonus.

[@LukesPointsandMiles]

@@johnny_ma understandable

[@thejokerspeaks]

I recently accepted a 35K MR point to keep the Platinum, and a few days later was able to use a $350 cruise coupon. My motives changed to wanting an eventual switch to the Amex Green, keep these coupons rolling, something I had overlooked due to Costco Travel's Amex policy. An extra year with a card is worth the opportunity to reevaluate, anything can change with us, the card, or downgrade paths.

[@LukesPointsandMiles]

@@thejokerspeaks good point. Sometimes it’s worth paying the fee just to get some more experience with the product.

[@flubberghosted2472]

Currently a 98.9% chance I will keep my Strata. Good card!

[@LukesPointsandMiles]

@@flubberghosted2472 that a high chance!!!

[@soapa4279]

It sounds like a decent card, just not exceptional. Also the general consensus seems to be that Citi's custom service sucks. I have no experience with this of course, just repeating what I've seen/heard on various platforms.

[@LukesPointsandMiles]

@@soapa4279 ahhh word to the wise - never repeat such things if you’ve never experienced it. It’s amazing how much weight your words carry. Makes me wonder just how many times “Citi CS sucks” is typed by someone with no relationship with Citi!! 🤣

[@soapa4279]

@@LukesPointsandMiles haha true that’s why I made the disclaimer I have no personal experience. Everyone’s mileage will vary

[@newagain9964]

@@LukesPointsandMilesthat’s what years of Citi (sucky) policies and practices has earned them. It will take decades for them to undo.

[@LukesPointsandMiles]

@@newagain9964 you’re probably right.

[@Adiscretefirm]

Damn Luke, cards been out for 3 weeks and it's already on the chopping block?

[@LukesPointsandMiles]

@@Adiscretefirm it’s actually been out for years. Haha. It was the Citi Premier before it was the Citi strata premier!!

[@Adiscretefirm]

@@LukesPointsandMiles just having some fun

[@LukesPointsandMiles]

@@Adiscretefirm

[@jcaceres516]

Savor one and wf autograph combo makes this card unnecessary

[@LukesPointsandMiles]

@@jcaceres516 you have a point

[@flubberghosted2472]

If I get the Citi quadfecta, it will pay for itself every year. 🤔

[@LukesPointsandMiles]

It’s a strong set up!

[@newagain9964]

Lol

[@DugrozReports]

Great review!

[@LukesPointsandMiles]

Thanks!

[@De_Guatemala]

Sofia, Bulgaria today. Strata 3X for Accor, Radisson, & non-chain hotels, groceries, and restaurants. No car this month. Flying among 6 Balkan countries then taking buses and trains.

[@LukesPointsandMiles]

@@De_Guatemala oh man I’m jealous!!

[@fogrunr5075]

🎉🎉🎉

[@LukesPointsandMiles]

Thanks for watching!!

[@caribdude8151]

👍

[@LukesPointsandMiles]

@@caribdude8151 🥇

[@jamesyu613]

I think it’s a over lapping card

[@LukesPointsandMiles]

@@jamesyu613 overlapping yes but it’s still a great card.

[@jamesyu613]

@@LukesPointsandMiles I agree

[@CesarJoel]

I would also take those 10k points over the $95. Very good card and outcome Uncle Luke! Thanks for the data points hermano!🫵

[@LukesPointsandMiles]

@@CesarJoel thanks for watching, Cesar!!!

[@yeyem6678]

Can you also earn worldwide on groceries? Restaurants? Gas?

[@LukesPointsandMiles]

@@yeyem6678 yes

[@yeyem6678]

@@LukesPointsandMiles thank you for the quick reply! Appreciated

[@riosafado]

Citi customer service I think they live on another planet, airy and unconcerned, but they get the job done in the end

[@LukesPointsandMiles]

@@riosafado yeah it’s hit or miss. But isn’t that most CS now?

[@riosafado]

@@LukesPointsandMiles in my experience, Citi and Cap 1 are the worst.

[@Anthonyjones-pq4ff]

I couldn’t agree more with you on that They should take note from Amex & Discover Customer service. A+

[@Anthonyjones-pq4ff]

@@riosafado they SUCK call it as I see it I had to call for something the agent was no help the agent couldn’t even clear English take note from Amex & Discover service

[@paulstein916]

I think going with the retention bonus was a wise choice. For the top 5 travel card issuers, how would you rank them? Amex, Chase, Cap1, Citi and Wells?

[@LukesPointsandMiles]

@@paulstein916 that’s such a tough question I think it depends on what each persons needs are. I think there are great options for anyone

[@MontyTheCardNerd]

I'd probably also take that retention offer though yeah the card doesn't offer anything special if you already have other cards with transferrable currencies like the Savor One. Great video Luke!

[@LukesPointsandMiles]

@@MontyTheCardNerd I always like to stay diversified with my points!!

[@MontyTheCardNerd]

@@LukesPointsandMiles Ah good point, Citi's transfer partners are solid

[@robertjarrell7276]

This card has been on the chopping block for me since I got it two years ago. I never use it for anything, keep it to maybe transfer some points from my Custom Cash and Double Cash someday? And I keep hoping for a card with more general travel and transit rewards. But I did get the 85k offer two years ago, so I'll probably renew one more year...

[@LukesPointsandMiles]

@@robertjarrell7276 for some folks it could be worth the $95 just for access to the partners.

[@ItsMeCJ]

I haven’t ventured into the Citi ecosystem yet, idk if I will, but this definitely sounds like a valuable card. Citi needs to get in on the referral game. Does Wells Fargo have a referral program?

[@LukesPointsandMiles]

None that I know of.

[@ItsMeCJ]

@@LukesPointsandMilesdarn. Well, they need to get in on it as well. Good to hear you got a retention offer though. I didn’t know that Citi gives those….probably because I don’t have Citi cards 🤣🤣

[@LukesPointsandMiles]

@@ItsMeCJ and you don’t watch my channel!!! I’ve talked about Citi’s offer a few times!!

[@newagain9964]

Only keep any Citi cards, if I have prestige. Only way their products work 💁‍♂️

[@LukesPointsandMiles]

@@newagain9964 the old prestige was pretty awesome

[@yurig2530]

I have Prestige, and I had a few Premiers, which I converted to Custom Cashes. I now have 10 Custom Cashes, AT&T Access More and Sears.

[@LukesPointsandMiles]

@@yurig2530 that’s awesome. I’ve heard of some folks not being allowed to product change. I’m Amazon’s you’ve been approved for they many citi cards! Hah

[@yurig2530]

@@LukesPointsandMiles I have 12 year history with Citi. First card was Citi Forward in 2012 (amazing card). Many cards since then. Never cancelled any, always converted.

[@JacobsPointsAndProfit]

I love that Citi offers frequent transfer bonuses. If they come out with a ThankYou point earning business card I'll make sure to grab that one

[@LukesPointsandMiles]

@@JacobsPointsAndProfit for sure!!!!

[@Xavier_ID.]

Agree with the 10K 👍🏼 a bonus is a bonus 🤷🏻‍♂️

[@LukesPointsandMiles]

@@Xavier_ID. yeah it keeps the card around and the card is definitely usable

[@SENDO-X]

Good choice! Id keep it if they would ever give it to me🤣ill garden for the revamped prestige card though

[@LukesPointsandMiles]

@@SENDO-X yeah I’m excited about that one

[@CarlosHdz-rm6sg]

Keeping the CSP for the foreseeable future as it’s a game changer for me, especially overseas.

[@LukesPointsandMiles]

@@CarlosHdz-rm6sg that’s where it really shines

[@alexarauz]

I decided to go with the Citi Premier over the Savor One for several reasons. The Venture X is already a big earner for me, so I like having a way to earn Citi Thank You Points for diversity. Additionally, I find that Citi transfer bonuses are more enticing than Capital One. And Finally, with Capital One you never know if they are going to approve you as they can be very flaky…so I figured why waste a hard inquiry and leave it to chance.

[@LukesPointsandMiles]

You have some good points. Plus Citi has a gas multiplier.

[@theclown888]

I have enough trouble optimizing two or three cards. I can’t imagine how you keep all this stuff straight with adding so many!

[@LukesPointsandMiles]

@@theclown888 well it’s a kind of a full time hobby. However, I am in the reduction phase.