Citi Strata Premier Card
$95/yr
Citi
Citi Strata Premier Card
4.4
(1,567 reviews)travelrewards
Reviewed by CardCompare Editorial Board
|CFP-reviewed|Updated April 2026Citi's refreshed premier travel card competes head-to-head with the Chase Sapphire Preferred. The 10x on hotels/car rentals booked through Citi Travel is eye-catching, and 3x on airlines, restaurants, supermarkets, and gas covers most spending. ThankYou Points transfer to 17+ partners.
Annual Fee
$95
Purchase APR
21.49% – 29.49%
Rewards
1x base rate
Sign-Up Bonus
$750 value
Credit Score
Excellent (750+)
Foreign Txn Fee
None
Who Should Get This Card
The Citi Strata Premier Card is best suited for experienced cardholders who travelers who want high hotel multipliers and flexible transfer partners. The $95 annual fee pays for itself if you spend $9,500+/year on this card.
This card is great if you…
- 10x on Citi Travel hotels
- Broad 3x categories
- Strong transfer partners
- Travelers who want high hotel multipliers and flexible transfer partners
Consider another card if you…
- 10x requires Citi Travel portal
- No lounge access
- Fewer partners than Chase/Amex
Rewards Breakdown
10x hotels/car rentals via Citi, 3x air travel/restaurants/supermarkets/gas, 1x everything else
| Category | Rate |
|---|---|
| Hotels via Citi Travel | 10x |
| Car Rentals via Citi Travel | 10x |
| Air Travel | 3x |
| Restaurants | 3x |
| Supermarkets | 3x |
| Gas Stations | 3x |
| Everything else | 1x |
Rewards Distribution
10x
top rate
Hotels via Citi Travel10x30%
Car Rentals via Citi Travel10x30%
Air Travel3x9%
Restaurants3x9%
Supermarkets3x9%
Gas Stations3x9%
Everything else1x3%
Sign-Up Bonus
75,000 ThankYou Points after spending $4,000 in 3 months
Fees & APR
| Annual Fee | $95 |
| Purchase APR | 21.49% – 29.49% |
| Balance Transfer Fee | 5% |
| Foreign Transaction Fee | None |
| Late Fee | Up to $40 |
Pros & Cons
10x on Citi Travel hotels
Broad 3x categories
Strong transfer partners
Competitive $95 fee
10x requires Citi Travel portal
No lounge access
Fewer partners than Chase/Amex
The Bottom Line
The Good: The Citi Strata Premier Card stands out for its 10x on citi travel hotels. The welcome bonus worth $750 adds significant first-year value. No foreign transaction fees make it a strong pick for international spending.
The Not So Good: 10x requires Citi Travel portal. The $95 annual fee means you need to use the card actively to justify the cost. You'll need excellent credit (750+) to qualify.
Our Verdict: With an editor score of 9/10, the Citi Strata Premier Card is one of our top-rated cards in its category. Make sure you'll earn at least $95 in value annually to justify the fee.
Frequently Asked Questions
What is the annual fee for the Citi Strata Premier Card?▾
The Citi Strata Premier Card has a $95 annual fee. Consider whether the rewards and perks you'll use offset this cost.
What is the sign-up bonus for the Citi Strata Premier Card?▾
The Citi Strata Premier Card currently offers a sign-up bonus worth approximately $750. 75,000 ThankYou Points after spending $4,000 in 3 months Terms apply — always verify the current offer directly with the issuer.
How do the rewards work on the Citi Strata Premier Card?▾
The Citi Strata Premier Card earns 1x points on all purchases, and up to 10x points in select bonus categories. Points can be redeemed for travel, cash back, gift cards, and more.
What credit score do I need for the Citi Strata Premier Card?▾
The Citi Strata Premier Card is recommended for applicants with excellent (750+) credit. Approval is not guaranteed and depends on your full credit profile.
Does the Citi Strata Premier Card charge a foreign transaction fee?▾
No — the Citi Strata Premier Card has no foreign transaction fees, making it a solid choice for international purchases and travel abroad.
What is the APR on the Citi Strata Premier Card?▾
The Citi Strata Premier Card has a variable purchase APR of 21.49% – 29.49%. If you carry a balance, interest charges can quickly outweigh any rewards earned.
Who is the Citi Strata Premier Card best for?▾
The Citi Strata Premier Card is best for Travelers who want high hotel multipliers and flexible transfer partners. A key advantage: 10x on citi travel hotels.
Annual Fee Break-Even
$1,000/mo
$100/mo$5,000/mo
Annual rewards earned: $120Annual fee: $95
Card pays for itself! You earn $25 more than the annual fee at this spend level.
Based on 1x base rewards rate @ 1¢ per point. Bonus category spending may reduce your break-even point.
Expert Review
By Sarah Chen · 9 min read · Updated 2026-03-01
Who Is the Citi Strata Premier Best For?
The Citi Strata Premier (formerly Citi Premier) is the dark horse of premium travel cards. At $95/year, it earns 3x ThankYou Points on dining, groceries, travel, gas stations, and EV charging — five of the most common spending categories. No other card at this price point offers 3x across this many categories. It's ideal for people who want broad bonus earning without tracking rotating categories or managing an expensive premium card.
The Broadest 3x Coverage Available
While the Chase Sapphire Preferred earns 3x on dining and 2x on travel, and the Amex Gold earns 4x on dining and 4x on groceries, the Strata Premier quietly earns 3x on all five categories: restaurants, supermarkets, air travel and hotels, gas stations, and EV charging stations. For a family spending $2,000/month across these categories, that's 72,000 ThankYou Points per year — worth $720+ through transfer partners.
The lack of spending caps is a major advantage over the Amex Gold ($25,000 grocery cap) and Blue Cash Preferred ($6,000 grocery cap). Spend $50,000 at supermarkets and you still earn 3x on every dollar.
Transfer Partners & Redemption
Citi ThankYou Points transfer to 17 airline partners including JetBlue TrueBlue, Turkish Airlines Miles&Smiles, Air France/KLM Flying Blue, Singapore KrisFlyer, Cathay Pacific Asia Miles, and Avianca LifeMiles. Turkish Miles&Smiles is the standout — you can book United domestic flights for 7,500 miles each way, or Star Alliance business class from the U.S. to Europe for 45,000 miles.
How It Compares
vs. Chase Sapphire Preferred ($95): The CSP earns 3x on dining and 2x on travel, while the Strata Premier earns 3x on dining, groceries, travel, gas, and EV charging. The CSP has stronger transfer partners (especially Hyatt) and 5x on Chase Travel. The Strata Premier wins on breadth; the CSP wins on depth. Both are $95 — get the one that matches your spending.
vs. Amex Gold ($250): The Gold earns 4x on dining and 4x on groceries (higher rates) but costs $250 and requires managing monthly credits to offset the fee. The Strata Premier earns 3x on both plus gas and travel, costs $95, and has no credits to manage. The Gold earns more per dollar; the Strata Premier is simpler and cheaper.
The Bottom Line
The Citi Strata Premier is the most underrated travel card of 2026. Its 3x rate across five major categories, no spending caps, and $95 annual fee make it an exceptional value for families and everyday spenders. If you want one card that earns strong rewards on dining, groceries, travel, and gas without complexity or high fees, the Strata Premier should be on your shortlist.
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