Citi Strata Premier® Card
This card is for people whose spending lives in everyday categories but who redeem for travel. Restaurants, supermarkets, gas, EV charging, air travel and hotels all earn 3X, with 10X on Citi Travel bookings. The $100 annual hotel benefit can offset the $95 fee by itself. The caveat: the 10X rate requires booking through Citi's portal.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- 3X points across travel, dining, groceries, gas and EV charging
- 60,000-point welcome offer
- $100 annual hotel benefit on a $500-plus Citi Travel stay
- 10X points on Citi Travel hotels, cars and attractions
- Full transfers to Citi's airline and hotel partners
- Trip delay, trip cancellation and lost baggage protections
- No foreign transaction fees
- Annual fee: $95
- Regular purchase APR: 20.24% - 28.24% Variable, as of Sep 4, 2026
- Intro APR: N/A
- Balance transfer APR: 20.24% - 28.24% Variable; transfers within 2 months of opening
- Balance transfer fee: either $5 or 5% of each transfer, whichever is greater
- Cash advance APR: 29.74% Variable; fee either $10 or 5%
- Penalty APR up to 29.99%; late payment fee up to $41
- Foreign transaction fee: None
- Rates and offers verified on the issuer's website on August 27, 2026 and may change. See the issuer's pricing and terms for current details.
- Your budget already flows through supermarkets, restaurants and gas, so 3X lands on most of your spending.
- You want transferable points: this card unlocks Citi's full airline and hotel partner list.
- You book one hotel stay of $500 or more a year, making the $100 benefit cover the fee.
- You travel abroad and want no foreign transaction fees.
- You should skip it if you will not redeem for travel: a 2% cash back card is simpler and pays as much.
Citi Strata Premier® Card Review
The Strata Premier is Citi's mid-tier travel card and the key that unlocks full ThankYou point transfers. This review covers the category earning, the hotel benefit, and how it competes at the $95 price point.
How You Earn
The card concentrates 3X earning on everyday categories, with 10X inside Citi Travel.
- EV charging is a rare bonus category at this fee level
- No enrollment or rotating activation
| Category | Earn rate |
|---|---|
| Hotels, car rentals and attractions on Citi Travel | 10X points |
| Air travel and other hotel purchases | 3X points |
| Restaurants | 3X points |
| Supermarkets | 3X points |
| Gas stations and EV charging stations | 3X points |
| All other purchases | 1X points |
How You Redeem
ThankYou Points are most valuable in motion.
- Transfer to partners such as American Airlines, JetBlue, Virgin Atlantic and Choice
- Book flights and hotels through Citi Travel
- Statement credits and gift cards at lower value
Benefits and Protections
Citi restored real travel protections on this card.
- Trip cancellation and interruption coverage
- Trip delay protection
- Lost or damaged luggage coverage
- Rental car coverage via MasterRental
- $100 annual hotel benefit on a single $500-plus stay
Who This Card Is For
The Strata Premier fits people who spend normally and travel a few times a year. It earns like a household card and redeems like a travel card. Pure portal skeptics should value it on the 3X categories alone.
- Everyday spenders who redeem for flights
- Points collectors who want Citi's transfer partners
- Travelers who book one big hotel stay a year
Comparison
| Feature | Citi Strata Premier | Capital One Venture | Amex Gold |
|---|---|---|---|
| Annual Fee | $95 | $95 | $325 |
| Welcome Offer | 60,000 points after $4,000 in 3 months | 75,000 miles after $4,000 in 3 months | As high as 100,000 points after $8,000 in 6 months |
| Rewards Rate | 3X travel, dining, groceries, gas; 10X portal | 2X everything; 5X via Capital One Travel | 4X dining and U.S. supermarkets, caps apply |
| Intro APR | N/A | N/A | N/A |
| Foreign Transaction Fee | None | None | None |
| Best For | Category travel points | Flat-rate travel miles | Dining and groceries |
Issuer Comparison
| Feature | Citi Strata Premier | Citi Double Cash | Citi Diamond Preferred |
|---|---|---|---|
| Annual Fee | $95 | $0 | $0 |
| Welcome Offer | 60,000 points after $4,000 | $200 after $1,500 | None |
| Rewards Rate | 3X on travel, dining, groceries, gas | 2% on everything | None |
| Key Credits | $100 annual hotel benefit | None | None |
| Best For | Travel points | Everyday cash back | Long 0% transfer window |
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Reader reports, not issuer data. Not a prediction of your result. Ranges only, reviewed before publishing.