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Welcome to Freakimilers Coffee Break, where we focus on a single topic related to miles and points.

And each coffee break is limited to 20 minutes or less or your money back.

Today's coffee break, City is thinking of nerfing the strata premier card.

What's going on, Nick? What are they going to do to us?

Well, they're going to significantly complicate it. And, you know, nerfing it is probably the opinion you and I would share.

Although, I got to say some readers looked at the potential changes and said, maybe this will be good for them.

So let's talk about it. City sent out some surveys to card holders.

And we should caveat all of this by reminding people that when card issuers give out surveys, it's not always an indicator of things to come. Sometimes we see some of those things happen. Sometimes we see none of them happen. Sometimes it all happens. So it's hard to know. None of this is set in stone. Nothing is changing yet. And if it does change, it'll probably be a while before it changes for existing card holders. So certainly don't go out and be like, oh, I'm going to cancel my card now, or I'm not going to renew my card because maybe they're going to change. Don't make any crazy decisions. We just want to talk through if this stuff happens, would it be good or bad and why? So the survey came out and it looks like the card is, or they're considering for the card anyway, an

increase in annual fee. Currently, it's got a $95 annual fee, but the survey mentions a more

expensive $195 annual fee. Of course, they will offset that with a handful of coupons, and they're going to change a bunch

of the bonus categories potentially. They surveyed major changes to the bonus categories right

now as things stand while we record this. The city strata premier card has a whole bunch of

useful 3x categories and gas and grocery and dining, etc. The new version of the card would be a

mixture of 2x bonus categories and some 4x. So it's going to be a mix of things that I guess

might be good for some and not good for others. Yeah. And sadly, a lot less 4x than 2X.

They're definitely moving down.

And at a big picture is, you know, they're taking the playbook from Chase and, well,

if they do this, they're complexifying this whole thing, right?

They're taking what was a simple easy

to explain card 95 bucks a whole bunch of useful 3x categories 1x everywhere else and they're and they're

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