Verdict · Updated April 2026
Citi Strata Premier Card for Travel
The Citi Strata Premier Card is a top choice for travel — ranked #2 of 54 eligible cards on our use-case scoring model. If travel is your primary need, this card is a strong primary pick.
Rank #2 of 5498th percentileStrong primary pick
Reviewed by CardCompare Editorial Board
|Data-driven ranking|Updated April 2026
Citi Strata Premier Card
Citi · $95 annual fee
Citi'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.
Full card review
Earn math — Travel profile
Based on typical travel spending of $25,200/year across the categories below.
Annual rewards
$540
Annual fee
$95
Net value
$445
Transfer partnersLounge accessNo foreign transaction feeTrip protection
Where the Citi Strata Premier Card wins for travel
- 10x on travel — top-tier earning for this use case
- No foreign transaction fee — saves 2-3% on every international purchase
- Trip cancellation and baggage protection often pay for the annual fee alone
Where it falls short
- No intro 0% APR and a high regular APR (29.49%) — carrying a balance is expensive
Top 3 alternatives for travel
Cards that rank higher than or close to the Citi Strata Premier Card on our travel scoring model.
How the Citi Strata Premier Card performs for other use cases
Frequently asked questions
Is the Citi Strata Premier Card a good card for travel?⌄
The Citi Strata Premier Card is a top choice for travel — ranked #2 of 54 eligible cards on our use-case scoring model. If travel is your primary need, this card is a strong primary pick.
How much can I earn with the Citi Strata Premier Card on travel spending?⌄
At the typical travel spending profile of $25,200/year, this card earns approximately $540 in rewards — net $445 after the $95 annual fee.
What are better alternatives to the Citi Strata Premier Card for travel?⌄
Our top 3 alternatives are IHG One Rewards Premier Credit Card, American Express Platinum, American Express Business Platinum. Each ranks higher on our use-case scoring model for travel.
What credit score do I need for the Citi Strata Premier Card?⌄
The Citi Strata Premier Card typically requires excellent credit. Approval also depends on income, existing debt, and application history — a score in the stated range doesn't guarantee approval.
Is the Citi Strata Premier Card's annual fee worth it for this use case?⌄
The $95 annual fee breaks even when you earn $95 in rewards. At the typical travel profile ($25,200/year), this card earns $540 — net positive after the fee.
Want the full card review?
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