75,000 Points
Worth $750
After you spend $6,000 on purchases on your new card in your first 3 months of card membership.
- 12%Car Rental (cititravel.com)
- 12%Entertainment (cititravel.com)
- 12%Hotel (cititravel.com)
Annual Fee
$595
Rec. Credit
Excellent
Citi
Citi Strata Premier®
The Citi Strata Premier® is built for travelers and everyday spenders who want strong rewards across common categories without stepping up to a premium annual fee. It works best as a primary points card, especially if you regularly spend on groceries, dining, gas, and travel.
Welcome Offer
60,000 Points
Annual Fee
$95
Rec. Credit Score
Excellent
Good For
Everyday travel spenders
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...
Groceries, dining, and gas
Airfare and hotel purchases
One-card travel rewards setup
Yes, for the right cardholder this is an easy $95 annual fee to justify. The card earns 3x points in several categories that cover a lot of real household spending, including restaurants, supermarkets, gas stations, air travel, and hotels. That makes it one of the more practical travel rewards cards for someone who wants solid earning without juggling several niche cards.
The biggest question is whether you will use the $100 annual hotel benefit. If you book at least one qualifying hotel stay of $500 or more through Citi Travel each year, that benefit can effectively cover the annual fee on its own. Even if you do not, the card can still make sense for someone who values ThankYou points and spends heavily in its 3x categories. It is a weaker fit for people who want premium travel perks like lounge access, or who prefer cash back and do not want to book travel through Citi to unlock some of the card's added value.
MaxRewards Verdict
The Citi Strata Premier® is a strong fit for someone who wants travel points from everyday spending, not just from booking trips. Its main limitation is that the headline hotel credit and some travel extras are tied to Citi Travel, so the value is lower if you prefer to book directly.
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
$600
Required Spend
$4,000
Time Frame
3 Months
Est. Value
$600
Required Spend
$4,000
Time Frame
3 Months
Earning
Rewards
ThankYou points here are driven by broad, useful bonus categories, not just occasional travel purchases. If your budget includes a lot of grocery, dining, gas, and travel spending, this card gives you several ways to build points quickly from normal monthly expenses.
CategoryRate
Car Rental (cititravel.com)
10%
Entertainment (cititravel.com)
10%
Hotel (cititravel.com)
10%
Airline
3%
Dining
3%
EV Charging
3%
Gas
3%
Grocery
3%
Hotel
3%
Everywhere
1%
Rewards percent based on a valuation of 1¢ per ThankYou® point
Annual Credits & Perks
Benefits
The practical value centers on a straightforward annual hotel discount and a few travel-booking extras. These benefits matter most if you are willing to book some trips through Citi Travel and can plan around the qualifying stay requirement.
BenefitAnnual value
$100
Enrollment is required for select benefits.
Automatically track your credits with MaxRewards
Our app automatically tracks valuable credits so you don't miss any rewards.
$100 Annual Hotel BenefitAutotracked
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.
Pricing
Rates & Fees
Annual Fee
$95
Purchase APR
19.49% - 27.49%
Variable
Transfer APR
19.49% - 27.49%
Variable
Cash Advance APR
29.74%
Variable
Foreign Transaction Fee
None
Balance Transfer
$5
Cash Advance
$10
Late Payment
$41
Return Payment
$41
Opinions, reviews, analyses & recommendations are MaxRewards' alone, and have not been reviewed, endorsed or approved by any of these entities.
Recognition
Featured in
Other cards from Citi
See all 39 cards
75,000 Points
Worth $750
After you spend $5,000 on purchases on your new card in your first 5 months of card membership.
- 2%American Air
- 2%Car Rental
- 2%Gas
Annual Fee
$99
Rec. Credit
Excellent
70,000 Points
Worth $700
After you spend $7,000 on purchases on your new card in your first 3 months of card membership.
- 10%Car Rental (aa.com/cars)
- 10%Hotel (aa.com/hotels)
- 4%American Air
Annual Fee
$595
Rec. Credit
Excellent