Applying for a new card is exciting, but as time passes, the same card can no longer serve your needs or your life. You cancel your card, but it can affect your credit score and the reason you can seize all the awards, which you are doing accident.
A way to protect your credit score, the installation line of credit and a credit card to downgrade the relationship with an issue. Consider City Stretta Premier® Card (See rates and fees), a popular middle -level travel card with $ 95 annual fee.
Although the card has a low annual fee, it can be difficult to justify the cardholders for paying the payment over time. The main travel benefit of the card, the annual $ 100 hotel credit, is limited as it requires the $ 500 hotel reservation booked through the city trip.
An alternative to Stretta Premier is not an annual, which is cibilating, City Stretta Card (See rates and fees). Earlier, the card was known as City Rewards+ Card, but it was represented and now claims impressive earning mice.
Your cause of wheat may be your cause, let us see when and why you mean downgrating from the No-Enuel-CITI Stretta Card from the City Stretta President.
Information for City Rewards+ is collected independently by points guy. The card details on this page or card have not been provided by the problem.
Keep the city thank you points earned by your hard work
Do not cancel your City Stretta Premier And instagrading to do it Citie StrateaYou will preserve Thank you points earned by your hard work.
Once you cancel a credit card, you stop any award earned. Since the City Stretta also earns thank you points, downgrading lets you keep your existing awards.
Just know that your thank you points on City Strateta are very less valuable. When you have a match City Thank you transfer partners, your points will be transferred to the rates.
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Thank you points on CITI Strata Card, transfer the following airline partners:
- Air France -KLM Flying Blue -1,000: 700
- Aromexico Award – 1,000: 700
- Avianca lifemiles – 1,000: 700
- Cathe Pacific Asia Miles – 1,000: 700
- Emirate Skyword – 1,000: 560
- Etihad Guest – 1,000: 700
- Eva Air – 1,000: 700
- JetB Tableu – 1,000: 700
- Qantas fly continuously – 1,000: 700
- Qatar Airway Privilege Club – 1,000: 700
- Singapore Crystlir – 1,000: 700
- Thai Royal Orchid Plus – 1,000: 700
- Turkish Airlines Miles and Smile – 1,000: 700
- Virgin Atlantic Flying Club – 1,000: 700
Thank you points earned on CITI Strata card also transfer to the following hotels partners:
If transferred points are not a big deal for you, then you can still choose your digit for cash back, gift card or shopping.
I advised a friend of late year to reduce the annual fee of the card to his city Stratea and protect your 50,000 thank you points. A few months ago, they require an award ticket. Because he was sitting on a good stand of points, he called the City Customer Service to upgrade his card so that he scored a point to the Qatar Airways Privilege Club.
In that scenario, by downgrating the card, my friend had a type of savings account for marks. It came to work and became worth the decision of his dode than losing his points when he first decorated the Stretta Premier, he could not work for him.
Related: Start with points, miles and credit cards to travel
You are fine with remembering the reception of City Strateta
New City Stretta Card Applicants can earn 30,000 bonus points after spending $ 1,000 with the first three months of opening the account. Based on TPG’s August 2025 values, this reception is priced at $ 570.
When downgrade edgeYou cannot earn a welcome proposal for the City Stratea.
Although 30,000 bonus points are very much preferred, it is not a huge reception that offers you to pass.
In comparison, all-new Citi Strata Elite℠ Card (See rates and fees) 80,000 bonus points are welcome when applying online, which is $ 1,520 according to TPGUST 2025 Valulation. To earn this reception offer, you will stand $ 4,000 in the first three months account.
Related: 21 cards currently offer a reception bonus of 100,000 points or more
You get a simple earning rate for bonus categories
When City Rewards+ was refreshed City Stretta CardCity overgrowth of card earnings rates. Honestly, card earning rates are quite similar
Bonus-Kamai categories include:
- 5 points per dollar hotel, car rented and attached on city travel website
- 3 points per dollar spent on gas stations, electric vehicle charging stations, supermarkets and select transit
- 3 points per dollar spent on one of the following qualified self-selection category: cosmetic stores, barber shops and child salons; fitness Club; Live entertainment; Select streaming services; Or pets supply reserves
- 2 points spent in restaurant per dollar
- 1 point per dollar spent on all other purchases
Perhaps the new bonus categories will be even more beneficial after downgrade, you get a self-selection range and bonus points on select transit.
The earning rates are quite attractive, and this greetings to see the self-selection category on a no-annual-visible card. You can quarterly convert your self-selection category into the best match of your expenses.
Related: Comparison of flat-retreat with a cash-back cash-back credit card of bonus-grains
Will I return my annual fee if I reduce Stretta Premier?
If you dow the City Stretta President to the City Stretta Card, you can refer for the annual fee if you add downgrade to the posts of your card’s anniversary date). Most issuers, including CITI, allow you to cancel an annual fee of a card if you have already paid and downed the card within a billing cycle when the fee is posted.
Consider a strategy that maximizes both cards
To open an alternative strategy City Stretta Card Your current too City Stretta PremierIf you choose this route then there are some benefits here:
- Earn an additional reception bonus (as long as you meet the eligibility criteria of the city)
- Earning more CITI Thankyou points using CITI Strata for select transit and purchase, which fall within the self-selection bonus category
- Use City Stretta Premier for all other bonus category purchase, as it earns points at a higher rate
- Full list of transfer partners and better transfer rates of 1: 1 for those partners
By adding the city stretta to your wallet, you have more opportunities to earn a decision line of bonus points and credit, which can be useful for big things.
Ground level
It is always a good idea to evaluate the credit card in your wallet, to see what works for you and what is not. The best time to make the price of the card is when posting the annual fee, you can decide what to keep it, downgraded it in a no-annual-looking version or cancel it.
in the matter of City Stretta PremierThere are many reasons to downgraded it in City Stratea instead of your account.
Both City Stretta Premier and caught City Stretta Card There is also another option for these looks to maximize their earning ability and investment in City Thanks Points Ecosystem.
To learn more, read our complete review of City Stretta Premier.
To learn more, read our complete review of City Stretta Card.
Apply here: City Stretta Premier
Apply here: City Stretta Card