Citi Strata Premier®

The Citi Strata Premier® is a powerhouse mid-tier card built for travelers who want top-tier earning potential on everyday spending without paying a steep annual fee. It excels at turning daily expenses like groceries, dining, and gas into valuable travel points.

Welcome Offer

60,000 Points

Annual Fee

$95

Rec. Credit Score

Excellent

Good For

Everyday spenders and frequent travelers

How to Apply Estimate your value

All information about Citi Strata Premier® has been collected independently by MaxRewards. Citi Strata Premier® is no longer available through MaxRewards.

Opinions, reviews, analyses & recommendations are MaxRewards' alone, and have not been reviewed, endorsed or approved by any of these entities.

Overview

Is the Citi Strata Premier® worth it?

This card is great for...

Everyday spending categories

Discounted hotel stays

Airline and hotel point transfers

For a reasonable $95 annual fee, the Citi Strata Premier® offers exceptional value by covering the categories where most households spend the most. Earning 3x points on groceries, dining, gas, EV charging, and travel makes it one of the most well-rounded earning cards available. Taking advantage of the $100 annual hotel credit on a qualifying booking completely offsets the yearly fee on its own.

The card is best suited for spenders who are comfortable redeeming points through Citi Travel or transferring them to airline and hotel partners for maximum value. If you prefer straightforward cash back or expect luxury perks like airport lounge access, a different card might suit you better, but for building up travel rewards on daily spending, this card delivers strong, reliable value.

MaxRewards Verdict

This card is ideal for spenders who want to earn high rewards on daily routines and travel expenses without paying a heavy fee, though it lacks luxury travel perks like airport lounge access.

Welcome Offer

60,000 Points

after you spend $4,000 on purchases on your new card in your first 3 months of card membership.

Est. Value

$900

Required Spend

$4,000

Time Frame

3 Months

Est. Value

$900

Required Spend

$4,000

Time Frame

3 Months

Earning

Rewards

Earning ThankYou points with this card is simple because its multiplier categories align seamlessly with daily household routines and travel spending.

CategoryRate

Car Rental (cititravel.com)

15%

Entertainment (cititravel.com)

15%

Hotel (cititravel.com)

15%

Airline

4.5%

Dining

4.5%

EV Charging

4.5%

Gas

4.5%

Grocery

4.5%

Hotel

4.5%

Everywhere

1.5%

Rewards percent based on a valuation of 1.5¢ per ThankYou point

Annual Credits & Perks

Benefits

A modest annual fee makes it easy for the card's built-in travel credits and protection benefits to deliver real out-of-pocket savings.

BenefitAnnual value

$100

Enrollment is required for select benefits.

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$100 Annual Hotel Benefit

Autotracked

of $100Every 12 months

Benefits

More Benefits

The Reserve by Citi Travel

A collection of participating hotels on cititravel.com offering on-property benefits including daily, complimentary breakfast for two, free Wi-Fi, and a $100 experience credit (varies by property). Other benefits, subject to availability, include early check-in, late check-out, and room upgrades. Select a Reserve Hotel rate at checkout to receive the benefits.

Travel protection benefits

Help stay protected with travel insurances, including Trip Delay Protection, Enhanced Trip Cancellation and Trip Interruption Protection, Lost or Damaged Luggage, MasterRental Coverage (car rental insurance), and Extended Warranty and Purchase Assurance Plus.

Eligibility

Recommended Minimum Credit

Min: Excellent

Poor

Fair

Good

Excellent

Excellent credit or higher is recommended for this card.

Credit approval is not guaranteed. Meeting the recommended credit range does not ensure approval, and applicants with lower scores may still be considered.

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