Citi · Mastercard
Citi Strata Premier
All-Around Travel & Everyday
$95 annual fee up to $100/yr in credits if you use them
Why people consider it
- 3x on Travel.
- 3x on Dining.
- Points transfer to 11 airline and hotel partners.
Current welcome offer
Welcome offer: 60,000 points≈ $900 at our typical valuation
Requirement: Spend $4,000 in 3 months
Tell us what you normally spend and we’ll check it against this requirement. Find a card →
Current offer shown; issuer determines eligibility.
Recommended credit score: 700+
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Is this card worth it?
Ongoing value
$1,327/year
for the sample household ($4,800/month) · points at typical value
First-year value
$2,227 first year
Includes: +$900 welcome offer (60,000 points at our typical value)
$900 is one-time. $1,327/year is ongoing.
To earn the bonus: spend $4,000 in 3 months.
Offer verified: Nov 4, 2026
Worth considering if you already want this type of card.
- Full annual fee:
- $95, charged in full — credits count only if you use them
- Major trade-offs:
- $95 annual fee ThankYou points ecosystem smaller than Chase/Amex
- Against a no-fee alternative:
- The fee earns its keep. Citi Strata Premier nets $175 more per year than the best $0-fee option (Citi Double Cash), after its fee. (The sample household; run your own numbers.)
Detailed research
Full reward table and category caps
Flights & hotels
Restaurants
Supermarkets
Gas stations
Hotels, car rentals and attractions booked on cititravel.com
Point value: ~1.5¢ each
Optional benefits and credits
Credits — if you use them
Book single hotel stay of $500+ via Citi Travel
Perks (not counted in our math)
Redemption and transfer information
Points transfer to 11 airline and hotel partners — often where the highest redemption values live.
Approval and bonus eligibility caveats
Recommended credit score: 700+ — the issuer decides every application.
Issuer verification source
Rates and fees may vary.See current rates, fees, and terms on Citi's site
Detailed methodology
Net annual value = rewards on a spending profile at typical point value − the full annual fee; credits count only if you tell us you use them; a welcome offer counts once, in year one, only where the profile meets its requirement. Same math as Find a Card. Methodology v2026.09.4.
Editorial review and disclosures
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
Written by Tim · Data verified against issuer terms · Last checked Nov 4, 2026 · Methodology v2026.09.4
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.