Citi · Mastercard
Citi Strata Premier
Annual Fee
$95
up to $100/yr in credits if you use them
Sign-Up Bonus
$900
Current offer shown; issuer determines eligibility.
Spend $4,000 in 3mo
Terms apply.
Base Rate
1x
on everything
Best For
All-Around Travel & Everyday
Sign-Up Bonus
Bonus: 60,000 points
Requirement: Spend $4,000 in 3 months
Estimated value: $900Terms apply. Current offer shown; issuer determines eligibility.
Reward Categories
Flights & hotels
Restaurants
Supermarkets
Gas stations
Point value: ~1.5¢ each
Key Benefits
Credits — if you use them
Book single hotel stay of $500+ via Citi Travel
Perks (not counted in our math)
Pros & Cons
Pros
- + 3x on travel, dining, grocery AND gas
- + Strong transfer partners
- + Good sign-up bonus
- + Underrated vs Chase/Amex
Cons
- - $95 annual fee
- - ThankYou points ecosystem smaller than Chase/Amex
- - No lounge access
Transfer Partners
Points transfer to 7 airline and hotel partners — often where the highest redemption values live.
Rates and fees may vary.See current rates, fees, and terms on Citi's site
Recommended credit score: 700+
Advertising disclosure: we may earn a commission if you apply through this link. This does not affect your ranking. Full disclosure
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Written by Tim · Data verified against issuer terms · Last checked Sep 14, 2026 · Methodology v2026.09.1
Card information is collected independently and has not been reviewed or provided by the card issuer. Terms apply to the offers listed on this page. See our disclosure for details.