Citi Strata Premier Card

The Citi Strata Premier is Citi's mid-tier transferable-points travel card, and at $95 a year it leans on a broad 3x earning structure rather than perks. You get 3x points across air travel, other hotels, restaurants, supermarkets, and gas and EV charging, plus 10x on hotels, car rentals, and attractions booked through Citi's own travel portal, which is a strong everyday spread for a card at this fee. The $100 annual hotel benefit covers the fee outright if you book a single $500 stay through cititravel.com once a year, so the practical question is whether you will route a qualifying hotel booking through Citi's portal to claim it.

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Annual fee

$95

$7.92/mo equivalent
Welcome offer

60,000 points

≈$900 at our valuation
after $4,000 in 3 months
Recommended credit

720-800

Median 750. See why →

Earning rates

on Citi ThankYou Points

10x

Travel

Citi Travel portal only

via portal
3x

Dining
3x

Gas

Gas + EV charging
3x

Groceries
3x

Travel

Air travel + other hotels
1x

Everything else

Benefits and credits

Travel credits and perks

$100 Annual Hotel Benefit

$100/year

Travel and purchase coverage

Lost luggage

Secondary coverage
Rental car collision damage waiver

Secondary coverage
Trip cancellation and interruption

Secondary coverage
Trip delay reimbursement

Secondary coverage

Pricing and fees

Full Pricing and Terms

Purchase APR: 19.49% to 27.49%
Foreign tx: None
Penalty APR (cap): 29.99%
Balance transfer: 19.49% to 27.49%; Fee $5 or 5.00%, whichever is greater
Cash advance: 29.74%; Fee $10 or 5.00%, whichever is greater
Late / returned: $41 · $41

Eligibility and application

Card type

Unsecured personal card
Pre-qualification

Soft-pull pre-qualification available
Application inquiry

Hard credit inquiry on submission
Approval bureau

Not disclosed by issuer
Authorized user fee

Free
Reports AU to bureaus

Yes

Reports authorized user activity to the credit bureaus.
Issuer policy

How the recommended credit score is derived

Reported by users, not disclosed by the issuer. Synthesized from community-reported approval data points and cross-checked against industry editorial guidance for consensus.

6 data points reviewed

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Sources

Data current as of June 8, 2026 Report an inaccuracy

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Not financial advice

ccdeck is not a financial advisor. Information here is for educational purposes only. Confirm card terms with the issuer before applying.