4.3 / 5
- Welcome
- 75,000 points
- Annual fee
- $595
Advertiser disclosure: we are paid when you apply through some links on this page. We're paid when you apply via some links. Details
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.
At a glance
- Welcome bonus
- 60,000 points
- Spend $4,000 in 3 months
- Annual fee
- $95
- Year-one and ongoing
- Purchase APR
- 20.24% to 28.24%
- No intro APR
- FX fee
- None
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
| Category | Rate | Notes |
|---|---|---|
| Hotels & cars via issuer portal | 10x points | Hotels, car rentals, and attractions booked through CitiTravel.com. |
| Flights direct | 3x points | Air travel. |
| Hotels direct | 3x points | Other hotel purchases. |
| Dining | 3x points | Restaurants. |
| Groceries | 3x points | Supermarkets. |
| Gas stations | 3x points | Gas stations and EV charging. |
| All other purchases | 1x 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 20.24% to 28.24% variable.
Who is the Strata Premier best for?
Broad-category spenders. ThankYou point transfer users. Drivers who want gas in the bonus set.
Similar
Related cards
4.7 / 5
- Welcome
- 75,000 points
- Annual fee
- $95
American Express Gold Card
American Express
4.7 / 5
- Welcome
- 100,000 points
- Annual fee
- $325
Apply
Citi Strata Premier Card
Spend $4,000 in 3 months
Rates accurate as of October 6, 2026. Issuer terms.