SmartRatesUSA
Credit Card Review🌍 Best Everyday Travel

Citi Strata Premier® Card

Issued by Citi

10x hotels, car rentals & attractions via CitiTravel; 3x restaurants, supermarkets, gas & air travel — plus 75,000 ThankYou® Points after $4,000 spend in 3 months (~$750 in gift cards).

At a Glance

Annual Fee

$95

Purchase APR

20.24%–28.24%

Rewards Rate

10x hotels, car rentals & attractions via CitiTravel; 3x restaurants, supermarkets, gas & air travel

Credit eligibility

Issuer review required; no guaranteed score cutoff

Sign-Up Bonus

75,000 ThankYou® Points after $4,000 spend in 3 months (~$750 in gift cards)

Rates & Fees

Annual Fee

$95

Purchase APR

20.24%–28.24% variable

Foreign Transaction Fee

None

Balance Transfer Fee

5% of the amount transferred, $5 minimum; no promotional BT offer typically advertised

Cash Advance Fee

5% or $10 minimum, whichever is greater

Late Payment Fee

Up to $41

Estimate Your Rewards

See how this card fits your monthly spending

Enter your typical monthly spend by category to see roughly what the Citi Strata Premier® Card would earn you per year (this doesn't include any one-time sign-up bonus).

Assumes steady monthly spending at eligible merchants. Portal-only, selected and rotating bonuses are excluded unless explicitly modeled. Statement credits and welcome bonuses are excluded. Points use an assumed value of 1.7¢ each; actual redemption value varies.

$/mo
$0/mo$1,500/mo
$/mo
$0/mo$1,500/mo
$/mo
$0/mo$1,500/mo
$/mo
$0/mo$1,500/mo
$/mo
$0/mo$1,500/mo
$/mo
$0/mo$3,000/mo

Note: General travel/transit uses 1x. Eligible air travel and other hotel purchases earn 3x; hotels, car rentals and attractions through Citi Travel earn 10x. These narrower travel categories are not separated by this estimator.

Est. Annual Rewards

$785/yr

After $95 Annual Fee

$690/yr

Based On

$1,950/mo

Key Features

$100 hotel savings benefit once per calendar year ($500+ stays)

3x at supermarkets and gas stations — rare for a travel card

No foreign transaction fees

Pros & Cons

Pros

  • Outstanding 3x everyday categories (grocery, gas, dining, air)
  • Strong sign-up bonus
  • No foreign transaction fees
  • Points transfer to 18 airline & hotel partners

Tradeoffs

  • $95 annual fee
  • Hotel savings benefit has restrictions
  • CitiTravel portal required for 10x rate

How to Apply

Check Citi's eligibility information and any prequalification option. A credit score alone does not establish approval; income, debt and credit history also matter.

Gather your Social Security number, annual income, housing payment, and employer details before starting the application.

Apply directly through Citi's official site or app to make sure you're getting current, accurate offer terms.

Most issuers give an instant decision online; some applications are sent to manual review, which can take 7–10 business days.

If approved, activate the card and set up autopay before your first statement is due to avoid a late payment.

How It Compares

Current product highlighted
ProductAnnual FeePurchase APRRewards Rate
Citi Strata Premier® Card$9520.24%–28.24%10x hotels, car rentals & attractions via CitiTravel; 3x restaurants, supermarkets, gas & air travel
Chase Sapphire Preferred®$9519.49%–27.74%5x Chase Travel, 3x dining, gas/EV charging, online grocery, streaming & vacation rentals, 2x other travel
Chase Sapphire Reserve®$79519.74%–28.24%8x Chase Travel, 4x direct flights/hotels, 3x dining, 1x other purchases
Capital One Venture X$39519.74%–28.74%10x hotels & rental cars, 5x flights via Capital One Travel, 2x everything else

Frequently Asked Questions

What credit score do I need for the Citi Strata Premier® Card?

We do not have a verified universal minimum score for the Citi Strata Premier® Card. Citi evaluates your application and credit profile, including income and debt. Check the current eligibility terms; a particular score does not guarantee approval or a credit limit.

What's the annual fee on the Citi Strata Premier® Card?

The Citi Strata Premier® Card carries a $95 annual fee. Whether that's worth it depends on how much value you get from its rewards rate and included perks each year.

Does the Citi Strata Premier® Card have a sign-up bonus?

Our reference snapshot lists: 75,000 ThankYou® Points after $4,000 spend in 3 months (~$750 in gift cards). This is not confirmation that the offer remains available. Check the current offer, eligibility and spending deadline on Citi's site before applying.

What fees should I watch for on the Citi Strata Premier® Card?

Beyond the annual fee, check the foreign transaction fee (None), balance transfer fee (5% of the amount transferred, $5 minimum; no promotional BT offer typically advertised), cash advance fee (5% or $10 minimum, whichever is greater), and late payment fee (Up to $41). These matter most if you carry a balance, transfer debt, or use the card internationally.

How does the Citi Strata Premier® Card compare to similar cards?

The Citi Strata Premier® Card is one of several travel cards worth comparing side by side — see the "How It Compares" table on this page for a few close alternatives, or browse the full list of travel cards for more options.

Other Credit Cards

Chase Sapphire Preferred®

5x Chase Travel, 3x dining, gas/EV charging, online grocery, streaming & vacation rentals, 2x other travel

Chase Sapphire Reserve®

8x Chase Travel, 4x direct flights/hotels, 3x dining, 1x other purchases

Capital One Venture X

10x hotels & rental cars, 5x flights via Capital One Travel, 2x everything else

Rates, fees, and rewards shown are illustrative as of 2026 and subject to change — always confirm current terms directly with the issuer before applying.

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