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CITI STRATA PREMIER

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Citi

Citi Strata Premier

$95/year · 60,000 point signup bonus · all-around travel card, gas & groceries combo

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Quick Stats

Annual Fee

$95

Signup Bonus

60,000 pts

Spend Requirement

$4,000 in 3mo

Foreign Transaction Fee

None

Credit Score

good

Currency

TYP

Earning Rates

brand portal10x

travel3x

dining3x

groceries3x

gas3x

flights3x

hotels3x

car rentals3x

other1x

Travel portal value

Worth 1¢ per point when booking through Citi's travel portal

1¢/pt

Transfer Partners

Citi ThankYou Points

Airlines

Turkish Miles&Smiles

TK·Star Alliance

1:1

instant

Singapore KrisFlyer

SQ·Star Alliance

1:1

12-24 hours

Air France/KLM Flying Blue

AF·SkyTeam

1:1

instant

Virgin Atlantic Flying Club

VS·SkyTeam

1:1

instant

Avianca LifeMiles

AV·Star Alliance

1:1

instant

Cathay Pacific Asia Miles

CX·oneworld

1:1

instant

Emirates Skywards

1:1

instant

Etihad Guest

1:1

instant

JetBlue TrueBlue

1:1

instant

Qantas Frequent Flyer

QF·oneworld

1:1

instant

Qatar Airways Privilege Club

QR·oneworld

1:1

instant

Hotels

Accor Live Limitless

1:1

instant

Choice Privileges

1:1

instant

Wyndham Rewards

1:1

instant

Perks & Benefits

10x on hotels, car rentals, attractions via Citi Travel
3x on travel, dining, groceries, gas, EV charging
$100 annual hotel credit
No foreign transaction fees
Trip delay and baggage insurance

The Verdict

4/5

ByEllis Church·Mar 11, 2026

The widest 3x earning spread at $95/year — travel, dining, groceries, and gas all covered.

The Strata Premier is quietly one of the best mid-tier travel cards available. Where the CSP gives you 3x on dining and travel, the Strata Premier adds groceries and gas to that list — covering nearly all everyday spending at 3x. The $100 hotel credit makes it effectively free. Best for people who want broad bonus earning without the complexity of rotating categories or the cost of a premium card.

Pros

3x on travel, dining, groceries, gas, and EV charging — the broadest set of bonus categories at this price
10x on hotels, car rentals, and attractions through Citi Travel is excellent portal earning
$100 annual hotel credit through Citi Travel more than offsets the $95 fee
Transfer partners include Turkish Airlines, Singapore, and Qatar — strong international sweet spots
No foreign transaction fee and Mastercard network means great international acceptance

Cons

ThankYou Points ecosystem is smaller than Chase UR or Amex MR
1x on everything outside bonus categories — needs a companion card for general spending
Transfer partner list lacks a strong domestic airline option (no United, Delta, or Southwest equivalent)
Citi's app and customer service lag behind Chase and Amex