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Citi Strata Premier Card card art
Citi · strata

Citi Strata Premier Card

4.6 / 5
Citi ThankYou Points · Personal card

The widest 3x coverage of any $95 card. If your spending spreads across gas, groceries, dining, and travel, this earns more than a Sapphire Preferred. Protections are weaker.

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At a glance

Issuer terms
Welcome bonus
60,000 points
Spend $4,000 in 3 months
Annual fee
$95
Year-one and ongoing
Purchase APR
See terms
No intro APR
FX fee
None
Rates accurate as of
Editorial

Our take

The widest 3x coverage of any $95 card. If your spending spreads across gas, groceries, dining, and travel, this earns more than a Sapphire Preferred. Protections are weaker.

Verdict

Pros & cons

Pros

  • 3x on five everyday and travel categories
  • 10x on portal hotel and car bookings
  • Transfer partners include Turkish and Avianca
  • No foreign transaction fee

Cons

  • Rental coverage is secondary
  • Portal 10x requires booking through Citi
  • ThankYou hotel partners are thin
Earnings

Earn rates

CategoryRateNotes
Hotels & cars via issuer portal10x pointsHotels, car rentals, and attractions booked through CitiTravel.com.
Flights direct3x pointsAir travel.
Hotels direct3x pointsOther hotel purchases.
Dining3x pointsRestaurants.
Groceries3x pointsSupermarkets.
Gas stations3x pointsGas stations and EV charging.
All other purchases1x points
Benefits

Key benefits

3x across five real categories

Flights, hotels, restaurants, supermarkets, and gas all earn 3x with no caps.

$100 hotel benefit

$100 off one CitiTravel.com hotel stay of $500 or more each calendar year.

ThankYou transfer partners

Turkish, Avianca, and Flying Blue are reliable sweet spots.

Fit

Who this is best for

  • Broad-category spenders
  • ThankYou point transfer users
  • Drivers who want gas in the bonus set
FAQ

Frequently asked questions

What is the Strata Premier welcome bonus?
Earn 60,000 ThankYou points after spending $4,000 in purchases in the first 3 months of account opening.
Does the Strata Premier charge an annual fee?
Yes. The annual fee is $95 every year.
Does the Strata Premier have a foreign transaction fee?
No. The Strata Premier charges no foreign transaction fee, so it works well for international purchases.
What APR does the Strata Premier charge?
The purchase APR is See terms variable.
Who is the Strata Premier best for?
Broad-category spenders. ThankYou point transfer users. Drivers who want gas in the bonus set.
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Citi Strata Premier Card

Spend $4,000 in 3 months
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Rates accurate as of June 10, 2026. Issuer terms.