I had Citi Premier years ago. Can I get the Strata Premier bonus again?
As of 2026-10-06: probably not through the public offer. Citi's current Strata Premier terms exclude anyone who has had a Premier or Strata Premier card, even one closed years ago, so waiting 48 months no longer fixes it (terms checked 2026-10-06). A targeted offer is the only reported route back; otherwise, Bank of America Premium Rewards and Wells Fargo Autograph Journey pay about $505 each in cash after the first-year fee. In this example the options are Premium Rewards ($505), Autograph Journey Visa ($505) and Venture Rewards ($280) in bonus value after the first-year fee. Terms apply; each issuer decides approval and bonus eligibility.
Use my own cards →No account, email or credit pull. A saved plan keeps its own answers. Enter your own history and budget.
3 options to compare now
Choose at most one next card. These are alternatives, not three applications. Bonus value after the first-year fee excludes credits, ordinary spending rewards, interest, taxes and payment-processing costs. Each issuer decides approval and welcome-bonus eligibility; the example history must match yours.
Offer list checked ; issuer rules checked . Terms apply.
Premium Rewards
Bank of America · Likely option under the assumed history
Bonus after first-year fee
$505
60,000 points × 1¢ ÷ 100 = $600 cash − $95 first-year fee = $505
Spend $4,000 within 90 days.
No listed cards from this issuer · cash out at 1¢ per point.
takes your reported 24-month count from 0 to 1.
Offer checked 2026-10-06 · First-year fee $95; renewal fee $95 · Terms apply. Confirm current terms with the issuer before applying.
Autograph Journey Visa
Wells Fargo · Likely option under the assumed history
Bonus after first-year fee
$505
60,000 points × 1¢ ÷ 100 = $600 cash − $95 first-year fee = $505
Spend $4,000 within 3 months.
No listed cards from this issuer · cash out at 1¢ per point.
takes your reported 24-month count from 0 to 1.
Offer checked 2026-10-06 · First-year fee $95; renewal fee $95 · Terms apply. Confirm current terms with the issuer before applying.
Venture Rewards
Capital One · Likely option under the assumed history
Bonus after first-year fee
$280
75,000 miles × 0.5¢ ÷ 100 = $375 cash − $95 first-year fee = $280
Spend $4,000 within 3 months.
No listed cards from this issuer · cash out at 0.5¢ per point.
Eligibility caveat: Capital One often checks all three credit bureaus. You may receive a hard inquiry on each report; the exact checks can vary.
Eligibility caveat: Capital One does not publish a dependable general two-card maximum. Account limits can depend on the specific offer.
takes your reported 24-month count from 0 to 1.
Offer checked 2026-10-06 · First-year fee $95; renewal fee $95 · Terms apply. Confirm current terms with the issuer before applying.
Cards to skip and why
Strata Premier
Skip under these assumptions
This offer excludes people who currently have or previously had Citi Premier or Strata Premier. Citi may also consider your card-opening and usage history.
Rules checked 2026-10-06 · Observed underwriting patterns describe likely outcomes; published product terms govern the offer. Terms apply.
Sapphire Preferred
Skip under these assumptions
You hold this product now.
Rules checked 2026-10-06 · Observed underwriting patterns describe likely outcomes; published product terms govern the offer. Terms apply.
What AI answers often get wrong here
Research snapshot: . These are documented source traps or inferences from the research; current AI-error frequency is unverified.
Older source pages retain a bonus-date waiting rule, and travel or gift-card headlines can be mistaken for cash. The research supports those source traps, not a claim that every AI assistant makes them. Current product terms and previous ownership need separate checks.
Questions about this situation
Does it matter if I closed Premier?
Yes. A closed product belongs in your history. Closing an account does not erase previous ownership for a public offer that considers it.
Would Double Cash change the answer?
An eligible same-owner linked account can change cash redemption. It does not erase Premier ownership or establish a new welcome bonus. This comparison uses the standalone cash-out rate without an eligible linked account.
What happens when I use my own cards?
With no saved plan, the planner starts with this scenario’s goal, skipped banks and personal-card preference. Enter your own cards, dates and spending. An existing saved plan or shared plan keeps its own answers. You can save your plan and add calendar reminders without giving an email address.