Citi
Citi Strata Premier Card
Estimated value every year on typical spending
$531/ year
Every year, after the annual fee. No welcome bonus.
Based on a typical ~$2,600/month of spending. Points valued conservatively; confirm terms with the issuer.
Credits & perks, at estimated real use: Annual Hotel Benefit $100 → $50
Carry a balance? At 20%+ APR, interest usually costs more than any card earns.
Is it worth it?
On typical spending the Citi Strata Premier Card returns about $626 a year in rewards and usable credits, which covers its $95 fee with $531 to spare.
The fine print
- Intro APR
- Not listed
- Regular APR
- 20.24% to 28.24% variable
- Foreign fee
- None
- Top perk
- $100 Annual Hotel Benefit
- Approval
- Good credit recommended
- Redeem for
- Airline/hotel bookings · Loyalty program transfers · Gift cards
Rewards
- 10 points per dollar spent on Hotels, Car Rentals, and Attractions booked on cititravel.com
- 3 points per dollar spent on Air Travel, Restaurants, Supermarkets, and Gas & EV Charging Stations
Sign-up bonus
Not specified
Best for
- Big spenders on groceries
- Travelers who redeem points
Not ideal for
- People who want plain cash back
Trade-offs: Higher annual fee ↔ richer rewards & perks; Better travel value ↔ less straightforward than cash back.
Worth knowing
- Annual fee
- $95
- Intro APR
- Not listed
- Regular APR
- 20.24% to 28.24% variable
- Balance transfer fee
- either $5 or 5% of the amount of each transfer, whichever is greater
- $500/mo on groceries earns about $180/year (3x).
- $1200/mo on everyday spending earns about $144/year (1x).
- The $95 fee pays for itself at about $400/mo on groceries.
- You come out ahead of a no-fee 1% card after about $4800/year of groceries spending.
Offer history
No changes to the fee, welcome offer or intro APR since we started checking this card daily on Oct 26, 2026.
Citi Strata Premier Card: questions people ask
Is the Citi Strata Premier Card worth it?
On typical spending the Citi Strata Premier Card returns about $626 a year in rewards and usable credits, which covers its $95 fee with $531 to spare.
What is the Citi Strata Premier Card annual fee?
The Citi Strata Premier Card has a $95 annual fee. On typical spending its rewards and usable credits come to about $626 a year, so it nets about $531 after the fee.
What does the Citi Strata Premier Card earn?
10 points per dollar spent on Hotels, Car Rentals, and Attractions booked on cititravel.com. 3 points per dollar spent on Air Travel, Restaurants, Supermarkets, and Gas & EV Charging Stations.
What credit score do you need for the Citi Strata Premier Card?
The issuer doesn't say; we'd class it as: good credit recommended. Checking your matches on CardFit never runs a credit check.
Does the Citi Strata Premier Card charge foreign transaction fees?
No. The Citi Strata Premier Card has no foreign transaction fee.
Compare Citi Strata Premier Card
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Card details are collected from issuer websites and were last refreshed October 29, 2026. Source: Citi product page. Terms change often; confirm them with the issuer before you apply.