"With every launch of a new credit card, there is an immediate swell of news that comes with the different perks and benefits. We're in a bit of a world right now where most credit cards feel the same, so everyone is looking for something different, and the hope was that the Citi Strata Elite was the next "it" card. Sometimes, what seems like a great idea on paper can be a real headache in real life."
"Launching on July 28, 2025, to a lot of fanfare, the Citi Strata Elite instantly raised eyebrows over on r/CreditCards. What should have been celebrated on this subreddit and by Citibank quickly turned on its head as customers, like this one, who posted in the same subreddit, realized the card was receiving a lot of hate. The Citi Strata Elite Goes From Anticipated to Disappointing"
A new premium card launched with notable perks, including an 80,000 bonus point offer and a $595 annual fee that aligned with similar premium cards. The launch generated strong anticipation among consumers seeking differentiated credit cards in a crowded market. One applicant with a 760 credit score received instant approval and a very high credit limit, viewing the offer as an obvious value. Subsequent experiences included poor customer service and negative reactions across online card communities, illustrating how execution and support can rapidly erode initial enthusiasm for a high-reward product.
Read at 24/7 Wall St.
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