Citi Strata Premier
Citi Strata Premier by Citi: 10x hotels via portal, 10x rental cars via portal, 3x dining & restaurants, 3x ev charging, 3x flights / airfare, 3x gas…
The Citi Strata Premier is Citi's mid-tier credit card. The $95/yr annual fee includes a 60,000-point welcome bonus after spending $4,000 in the first 3 months. Beyond the welcome bonus, here's what the card actually delivers.
Rewards
- 10x (≈17.0% effective at 1.7¢/pt) on hotels, via portal
- 10x (≈17.0% effective at 1.7¢/pt) on rental cars, via portal
- 3x (≈5.1% effective at 1.7¢/pt) on gas
- 3x (≈5.1% effective at 1.7¢/pt) on dining
- 3x (≈5.1% effective at 1.7¢/pt) on hotels
- 3x (≈5.1% effective at 1.7¢/pt) on flights
- 3x (≈5.1% effective at 1.7¢/pt) on groceries
- 3x (≈5.1% effective at 1.7¢/pt) on ev charging
- 1x (≈1.7% effective at 1.7¢/pt) on everything
Statement credits ($100 total/yr)
| Credit | Value | What it covers |
|---|---|---|
| Citi Travel hotel credit | $100/yr | $100 off a single hotel stay of $500 or more (excluding taxes and fees), once per calendar year, booked through cititravel.com; applied instantly at booking. |
What the $95/yr fee is buying
Welcome bonus value (year one): ~$1020. Annual statement credits: $100. Minus the $95 annual fee = ~$1025 in year-one net value before any spending earn. RewardsGuru rating: 4.8/5 — based on our net-value methodology.
Who it's for, who should skip
Best fit: someone whose category spending matches the card's earn multipliers. Skip if: your spending pattern is flat across categories — a 2% flat-rate card would beat this.
Frequently asked questions
What's the Citi Strata Premier welcome bonus?
60,000 points after spending $4,000 in the first 3 months. At our ~1.7¢/pt valuation, that's roughly $1020 in real value.
Is the Citi Strata Premier worth the $95 annual fee?
Year-one math: welcome bonus value (~$1020) + annual credits ($100) − $95 fee = ~$1025 net before spending earn. Year-two onward, the credits alone need to clear $95 — they do. Worth it if you'll use the credits, skip if you'd let them expire.
What statement credits does the Citi Strata Premier include?
1 recurring statement credit: Citi Travel hotel credit ($100/yr). Total: $100/yr.
Does the Citi Strata Premier have foreign transaction fees?
Check the card's terms — most premium travel cards waive foreign transaction fees, while no-fee and entry-tier cards usually charge 2-3%. Citi's product page has the current rate.