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I Applied For The Citi Strata Premier (Here’s Why) 

Spencer Johnson
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Hey guys, in this video, I'll be unboxing the Citi Strata Premier, discussing why I personally applied for the Strata Premier card in particular, and breaking down my data points (credit score, hard inquiries, etc.) after applying for this card. The Citi Strata Premier is one of the most underrated cards on the credit card market for credit card beginners/enthusiasts alike because of its ability to earn 3x on many top daily spending categories and allows you to transfer your Citi ThankYou Points out to Citi’s transfer partners, but whether or not it's right for you is something I hope you learn from this video. If you've been wondering "Is the Citi Strata Premier worth it in 2024?", or "Is the Strata Premier credit card right for me?", then this video will hopefully give you a better understanding of who this card is really for while demonstrating the value it can provide you.
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📚 Chapters:
00:00 The Gameplan
00:57 Why I Applied For The Citi Strata Premier: Reason #1
03:07 Why I Applied For The Citi Strata Premier: Reason #2
04:52 Managing My Chase 5/24 Status
06:37 How I Manage My Credit Cards
07:52 My Credit Scores/Hard Inquiries After Applying
09:15 Important Info About The Citi Strata Premier
11:37 Live Unboxing
14:31 Closer Look At The Citi Strata Premier
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#citistratapremier #unboxing #creditcards

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7 июл 2024

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Комментарии : 107   
@SpencerJohnsonOfficial
@SpencerJohnsonOfficial 27 дней назад
💲 Download MaxRewards: maxrewards.app.link/spencer (Code: SPENCER)
@kaylingonzalez9309
@kaylingonzalez9309 27 дней назад
i like the old design better
@SpencerJohnsonOfficial
@SpencerJohnsonOfficial 25 дней назад
Seems like you aren't alone!!
@kiki_paris4712
@kiki_paris4712 6 дней назад
Me too
@jimmyjames6492
@jimmyjames6492 27 дней назад
Congrats on the new card 🎈🎉🎊
@SpencerJohnsonOfficial
@SpencerJohnsonOfficial 25 дней назад
I appreciate you!!
@sjg6158
@sjg6158 27 дней назад
Thanks for the video Sir. Good job.
@SpencerJohnsonOfficial
@SpencerJohnsonOfficial 25 дней назад
I appreciate you!
@keyKEYadventures
@keyKEYadventures 27 дней назад
I think I’m a fan of the old design. More easily identifiable I loved how you explained why you don’t care about hard inquiries but who should care. Thanks for the info !
@SpencerJohnsonOfficial
@SpencerJohnsonOfficial 25 дней назад
I definitely see where you're coming from. And I'm glad you enjoyed this one! I appreciate your support!!
@OfficialChadsMoneyMinutes
@OfficialChadsMoneyMinutes 27 дней назад
Congrats on the new pick up bro!
@SpencerJohnsonOfficial
@SpencerJohnsonOfficial 25 дней назад
I appreciate you brotha!
@CesarJoel
@CesarJoel 27 дней назад
My Preferred CSP is the Citi Strata Premier, a CSP that we can actually use. Been using the Citi QuaFecta for a couple of months and it earns a lot of points. Loved that you mentioned that we can pay taxes and fees with other cards for the protections, many don’t know that. I like the new design. Thanks for the shoutout mi hermano!🫵 Keep up the the great work, appreciate you!💪
@davidprettoofficial
@davidprettoofficial 27 дней назад
Agreed on your points! Had some higher spend; and got both Chase & Citi CSPs within 10 days of each other. The Strata SUB is easier since it’s such a great earning card! Mark Reeses videos on his new revised setup with Citi ecosystem really has me excited for the underdog of transferable currency programs. Thank You Citi!
@SpencerJohnsonOfficial
@SpencerJohnsonOfficial 25 дней назад
I don't blame you at all! It's a super solid card. You've been putting people on the Citi ecosystem for quite some time and I definitely see why. Appreciate you helping us all out as always man!
@TheCreditFrog
@TheCreditFrog 27 дней назад
Very nice card Spencer! Super happy that you got approved for the card. Citi is one of those banks that it's really hard to figure out their approval process, but now that you have it, there's that much-needed outlet for the Citi Custom Cash! Too bad that the card is (cheap) plastic. At least you got the Strata Premier when you applied for it (Monty the Card Nerd had a recent funny video about his Strata unboxing experience that's worth checking out 🤣)
@SpencerJohnsonOfficial
@SpencerJohnsonOfficial 25 дней назад
Thank you brotha! Adding this one now feels really nice as I look at my roadmap going forward. I do wish it was a little better designed for a card with an annual fee, but that's not what matters at the end of the day. I need to check out Monty's vid though!
@mtnbob
@mtnbob 27 дней назад
I applied as well for the CSPr at 1/6, I think Citi lowered the approval standards a bit 😂 Card is probably on the top end right now overall. Thanks for the vid Spencer!
@SpencerJohnsonOfficial
@SpencerJohnsonOfficial 25 дней назад
Congrats on the approval brotha! I appreciate you watching as always.
@johnmckinstry6057
@johnmckinstry6057 27 дней назад
Great unboxing video! With an interest rate at almost 30%, this is definitely a card that you want to avoid paying interest on. The card does look better in person than the card artwork shown on the internet. However, I still like the old design better than the new design. Now that you have this card, I will be looking forward to seeing your updated credit card roadmap for the remainder of the year! This card is a good complement to the Citi Custom Cash. The Citi Rewards+ card is also good to have with the Citi CSP for the 10% points that you can get back when redeeming Citi ThankYou points.
@SpencerJohnsonOfficial
@SpencerJohnsonOfficial 25 дней назад
I appreciate you brotha! It seems like you're not alone in liking the old design better. Something about this one seems really lackluster, but the rewards are well worth it. That roadmap video will be coming out this weekend if everything goes to plan, so I hope you enjoy that! I may eventually add more Citi cards down the line, but for now I'm sticking with Chase 🫡
@JavierMartinezzz
@JavierMartinezzz 27 дней назад
Hey Spencer! Congrats again on your new card and not sure if you remember my comment on your “watch me apply” video on this card about how I too was going to apply for it. I did get approved with a $6200 credit limit and happy that I was able to get approved! With so much inquiries but banking with them, I feel like you can get approve for any Citi card. 🤝🏽
@SpencerJohnsonOfficial
@SpencerJohnsonOfficial 25 дней назад
Hey Javier! I appreciate you a ton. That's so great to hear you ended up getting approved! Congats on that, and thanks for following up with me on that. 👊🏼
@itsagreatday9765
@itsagreatday9765 27 дней назад
Imho the Citi Strata Premier card is the best one and done card for a P2. I added my wife as an AU and it's great because she doesn't want to juggle multiple cards and the earning categories are great. Btw especially with family Travel, Choice is highly underrated transfer partner. Great value there
@SpencerJohnsonOfficial
@SpencerJohnsonOfficial 25 дней назад
That's honestly a solid take! It covers so many earning categories so well, so if you like the Citi ecosystem, that's a really solid move.
@todd_b_az
@todd_b_az 27 дней назад
old design definitely looked better, great info, thanks!
@SpencerJohnsonOfficial
@SpencerJohnsonOfficial 25 дней назад
I appreciate you watching!
@JuanGarcia-hr1wf
@JuanGarcia-hr1wf 27 дней назад
Congrats Spencer on Citi Strata Premier. I also just recently got approved for Strata Premier with 11K CL
@evlynlittlejohn371
@evlynlittlejohn371 26 дней назад
Congrats! What was your Fico 8 score when you applied?
@SpencerJohnsonOfficial
@SpencerJohnsonOfficial 25 дней назад
Thank you Juan! And congrats to you as well! That's big time stuff.
@JakeVanderPloeg
@JakeVanderPloeg 27 дней назад
Congrats on the new card Spencer! Excited to hear your thoughts on the card! Also Mavs or Celtics?
@SpencerJohnsonOfficial
@SpencerJohnsonOfficial 27 дней назад
I appreciate you brotha! Mavs 100%. Erven though I'm a Spurs fan, I gotta stick with my Texas teams. I appreciate you being here early btw! 🥉
@JakeVanderPloeg
@JakeVanderPloeg 27 дней назад
@@SpencerJohnsonOfficial I’m in the same boat, it’d be sweet to see the Mavs win another ring
@lifewithjon6809
@lifewithjon6809 8 дней назад
I like the new design
@DJOctober
@DJOctober 27 дней назад
Cesar is the man! Congrats on the card again! Def one I will end up having at some point in 2025 or 2026. I just received my Double Cash in the mail today, it’s my first Citi card! It also took the longest to receive at 10 days. When are you getting the Hyatt’s now? Love your content! - Ivan
@SpencerJohnsonOfficial
@SpencerJohnsonOfficial 25 дней назад
Cesar's the best! Congrats on your new Double Cash man, that's awesome. I'll talk more about the Hyatt cards in my roadmap video this weekend! I appreciate your support as always brotha.
@jamesyu613
@jamesyu613 26 дней назад
Looks like a very interesting design
@SpencerJohnsonOfficial
@SpencerJohnsonOfficial 25 дней назад
It's something, that's for sure!
@jamesyu613
@jamesyu613 25 дней назад
@@SpencerJohnsonOfficial I agree
@Milkinporsche
@Milkinporsche 27 дней назад
0:50 reminds me of doug demuro.
@SpencerJohnsonOfficial
@SpencerJohnsonOfficial 25 дней назад
Haha I'll take that as a compliment!
@pkmachinegun
@pkmachinegun 27 дней назад
Sweet CSP! I prefer the sapphire preferred myself. I get a lot of good value out of it and havnt seen the same value from citi yet.
@SpencerJohnsonOfficial
@SpencerJohnsonOfficial 25 дней назад
I agree with you on the Sapphire Preferred, but the Strata Premier is definitely necessary if you're someone looking to use your Citi points for travel. Thanks for watching brotha!
@pkmachinegun
@pkmachinegun 25 дней назад
@@SpencerJohnsonOfficialyou know it! Allegedly that World Elite Concierge is something else.
@Just_Stevo
@Just_Stevo 26 дней назад
Just booked a 3 night stay in New Orleans through the travel portal. After my $100 credit and the 10x it was cheaper than booking directly with the Hotel. Citi's travel portal isn't great, but in my case it beat both AMEX and the Hotel itself. I booked with cash, It would be a garbage redemption with points.
@SpencerJohnsonOfficial
@SpencerJohnsonOfficial 25 дней назад
That's awesome to hear man! I'm glad you're getting so much value from the portal even if it isn't the most ideal. Hopefully you'll find some good transfer opportunities in the future though.
@WeMade-It-Lindo
@WeMade-It-Lindo 27 дней назад
I applied about 20 days ago for tge Strata. Got denied and called their reconsideration line because I had very good credit. They approved me on the phone for the Strata. When the card came on the mail though it was the old design (but on the app it was showing the new design with the same number). Now I am basically using an old Citi Premier but in the app it shows the new Strata Premier design.
@SpencerJohnsonOfficial
@SpencerJohnsonOfficial 25 дней назад
Congrats on getting that denial turned around! That's rare with Citi. If you like the new design better, you can order a replacement card and that should have the new one on it.
@davidprettoofficial
@davidprettoofficial 27 дней назад
Weird data point. Live in Austin and also have the Citi Custom Cash, which has only pulled Equifax for the initial app and all CL requests. But now for the Strata, they prompted me to unfreeze my Experian. I had two very recent inquires, but was still approved
@SpencerJohnsonOfficial
@SpencerJohnsonOfficial 25 дней назад
Super interesting! Not sure why they change up what bureau they pull from. Thanks for the data point though!
@isao_the_2nd
@isao_the_2nd 27 дней назад
Although, i like what the new strata premier card is offering, for me honestly, I think it would've been nice if Citi also reopened the old prestige mastercard for all customers, especially for new applicants 🤷🏻‍♂️
@SpencerJohnsonOfficial
@SpencerJohnsonOfficial 25 дней назад
Theoretically they should be bringing out a new card like that soon! But I'm not holding my breath haha.
@QueenConsious
@QueenConsious 27 дней назад
I just like the World Elite on the back of it just like the Capital One SavorOne Credit Card I got
@VincentPascual
@VincentPascual 26 дней назад
I’m considering getting the SavorOne. How do you think Strata Premier compares with SavorOne?
@QueenConsious
@QueenConsious 26 дней назад
@@VincentPascual SavorOne doesn’t have an annual fee you get 5% back booking for trips entertainment & 3% back on restaurants grocery stores & streaming 10% back on Uber Eats etc. I got both of them which is ELITE I love Strata they constantly give me 0% interest rates all the time I got 7,000 and my Strata and 6,000 on my SavorOne and I am a BOSS so I treat my associates out to eat sometimes on mines to get that cash back both of them a great credit cards though
@SpencerJohnsonOfficial
@SpencerJohnsonOfficial 25 дней назад
Congrats on your new card!
@IkeVoorhies
@IkeVoorhies 27 дней назад
15:58 I like the old design much better…
@SpencerJohnsonOfficial
@SpencerJohnsonOfficial 25 дней назад
I never got to see it in person, but it sounds like that's he consensus here for sure.
@canubeleiveit
@canubeleiveit 27 дней назад
I like the old design
@Peter-kt2gb
@Peter-kt2gb 26 дней назад
This whole time I thought Odin was your video editor. 😂
@SpencerJohnsonOfficial
@SpencerJohnsonOfficial 25 дней назад
Hahah he's my producer.
@IkeVoorhies
@IkeVoorhies 27 дней назад
Man, my Experian account went from 696 to 745 on Saturday…
@DJOctober
@DJOctober 27 дней назад
Congrats!
@SpencerJohnsonOfficial
@SpencerJohnsonOfficial 25 дней назад
Dude, let's go! Congrats on that!
@dream_chaser5879
@dream_chaser5879 27 дней назад
I have the Citi Double Cash and the Cap One Venture (the original, not the X) and I’m trying to figure out which to prioritize as my 2x catch all for max travel value (I’m getting the Strata premier soon to have a Citi duo). Would you say Citi’s travel partners are better, or Capital One’s?
@shawn.credit
@shawn.credit 27 дней назад
Citi travel portal is overpriced so you spend more and don't break even. I would say Capital One travel is a better deal, if you can work with the prices through Citi and don't mind prices being higher than the Citi duo would work nicely.
@dream_chaser5879
@dream_chaser5879 27 дней назад
I definitely prefer Capital One’s portal, but I meant specifically transferring out to travel partners. I’d like to know which of the two has the stronger partner list.
@VincentPascual
@VincentPascual 26 дней назад
@@dream_chaser5879 I think Citi has the stronger of the 2 partner lists. Both Citi and C1 have Turkish Airlines. But Citi also has EVA Air with the 1:1 transfer ratio (C1 only has 2:1.5) and Choice 1:2 (C1 is 1:1). Citi also has one domestic airline partner: JetBlue. However, Citi is missing Aeroplan. As far as 2x on travel, would most of that be foreign transactions? Venture avoids the FTF, but Double Cash has it. Strata Premier would cover airlines and hotels, but not other travel.
@SpencerJohnsonOfficial
@SpencerJohnsonOfficial 25 дней назад
It honestly just all depends on who you travel with the most. There's no objective answer necessarily, but if one of the lenders has access to a partner that the other doesn't and that partner is valuable to you then technically that lender is "better". I look forward to using both though!
@druiz012
@druiz012 21 день назад
I'm a week late! I might have to change course since C1 isnt accepting me... is this still on elevated offer?
@SpencerJohnsonOfficial
@SpencerJohnsonOfficial 21 день назад
All good man! To my knowledge this offer is still active so you still have time to consider it.
@fogrunr5075
@fogrunr5075 27 дней назад
I'm tthe odds are good that I'll get the top Citi travel card that comes out after the Strata.
@SpencerJohnsonOfficial
@SpencerJohnsonOfficial 25 дней назад
That'd be nice to see! I'm still not holding my breath though.
@DavidGarciaOfficial
@DavidGarciaOfficial 27 дней назад
Do you think you’ll end up with a simple setup for your end game?
@SpencerJohnsonOfficial
@SpencerJohnsonOfficial 25 дней назад
I definitely see things heading that way over time. But for now, we'll keep the welcome offer hunt alive and well!
@chrisoverbey5937
@chrisoverbey5937 26 дней назад
Content suggestion: talk about velocity. I am now being denied new cards, even with FICO 8 & Vantage3 scores above 800. Too many new accounts, too recent, too many (6) hard pulls in the last year. A lot of content creators chase new card after new card, SUB after SUB, as if there is no risk or downside to doing that.
@SpencerJohnsonOfficial
@SpencerJohnsonOfficial 25 дней назад
I appreciate the idea! I do my best to cover that in all my roadmap/credit card strategy videos of which I'll be doing more of very soon. Hopefully you find value in those types of videos!
@ovx23
@ovx23 27 дней назад
Twice that I applied for a citi card custom cash and att card I got denied And I also live in texas
@SpencerJohnsonOfficial
@SpencerJohnsonOfficial 25 дней назад
Citi can be a difficult lender to get approved for, that's for sure! I'm sorry to hear that.
@BendermanGSX
@BendermanGSX 18 дней назад
I legit don’t understand why Citi won’t give us a metal card. We are your peeps, give us some metal
@flipevent
@flipevent 27 дней назад
I applied with you on the other video and proferably failed. :( Data point: - I had all my 3 CB's unfrozen - I had applied for a AMEX card in about 24+ hours prior - I got categorically denied in my application (no pending request) The second point is probably what did me in, but that AMEX card was definitely much more of a priority than the Strata. Couldn't be helped I suppose. *shrug* Will call recon when the mail comes in.
@SpencerJohnsonOfficial
@SpencerJohnsonOfficial 25 дней назад
Aw man, I'm sorry to hear that! Thank you so much for sharing your data points though. That'll definitely help folks out! Good luck with the recon process 🫡
@flipevent
@flipevent 25 дней назад
@@SpencerJohnsonOfficial Thanks man. :) I did call their recon hotline and while yes, I did get categorically declined (despite my LONG relationship with Citi), they did give me one more piece of insight: - They take a look at "recent credit applications" on a 1-Week and 6-Month basis. So yes, I guess either apply for Citi first, then apply for something that doesn't have that limit. OR, really space it out to over 6 months between cards.
@Xavier_ID.
@Xavier_ID. 27 дней назад
Bigger fan of the old design
@SpencerJohnsonOfficial
@SpencerJohnsonOfficial 25 дней назад
Fair enough!
@chatanp
@chatanp 26 дней назад
I got my Strata today and while the card is quite visually attractive, it feels like a fake credit card. I've never seen such a different in how nice a card looks, and how cheap it feels
@SpencerJohnsonOfficial
@SpencerJohnsonOfficial 25 дней назад
That's exactly how I feel too! It's super cheap feeling for sure.
@dsanti4069
@dsanti4069 6 дней назад
Why do people focus on the design and not the features . This is the best card in the game . Who cares if it plastic . Ya have your priorities wrong in life .
@SOXGATORS
@SOXGATORS 27 дней назад
😊
@SpencerJohnsonOfficial
@SpencerJohnsonOfficial 27 дней назад
🫡🥈
@caribdude8151
@caribdude8151 27 дней назад
👍
@dylanschang6386
@dylanschang6386 26 дней назад
All changes were positive EXCEPT the design. Old one was one of the greatest designs ever and this one SUCKS
@SpencerJohnsonOfficial
@SpencerJohnsonOfficial 25 дней назад
I can see why you'd say that!
@dylanschang6386
@dylanschang6386 14 дней назад
@@SpencerJohnsonOfficial update - I froze Experian, applied and got instantly denied. guess I just wait and see what the problem was. Probably too many recent accounts. Rip
@SpencerJohnsonOfficial
@SpencerJohnsonOfficial 14 дней назад
@@dylanschang6386 Interesting. Considering they didn't prompt you to unfreeze Experian and denied you instantly, I imagine that freeze didn't impact anything. You can always try recon!
@dylanschang6386
@dylanschang6386 13 дней назад
@@SpencerJohnsonOfficial do I need to call recon immediately or wait until I get the email with reasons of denial?
@SpencerJohnsonOfficial
@SpencerJohnsonOfficial 13 дней назад
@@dylanschang6386 Nope, you can call immediately!
@shawn.credit
@shawn.credit 27 дней назад
Looks and feels like a toy credit card, for a $95 AF they dropped the ball. The Citi Premier even while plastic looked and felt premium. Rewards are solid but there is no premium look to the physical card, I pc'd mine to the Custom Cash.
@SpencerJohnsonOfficial
@SpencerJohnsonOfficial 25 дней назад
Dude, yes, I couldn't agree more. It just feels fake almost haha.
@AhmadKhwajazada
@AhmadKhwajazada 27 дней назад
First
@SpencerJohnsonOfficial
@SpencerJohnsonOfficial 27 дней назад
Welcome back sir 👑
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