Citi · Credit cards

Citi Strata Premier Card

Comprehensive travel rewards card offering 3X ThankYou Points on restaurants, supermarkets, gas stations, EV stations, air travel, and hotels.

Annual fee

$95/yr

10 attributes tracked

Catalog as of September 1, 2026

Not financial advice. Annual fees, APRs, bonuses and credits change. Confirm current terms with the issuer before you apply.

Annual fee

$95

Rewards rate

10X points on hotels, car rentals, and attractions via Citi Travel; 3X points on restaurants, supermarkets, gas stations, EV charging stations, air travel, and other hotels; 1X on all other purchases

What it does well

Broad 3X bonus categories across everyday and travel spending (dining, groceries, gas, hotels, flights)
$100 annual hotel benefit on bookings of $500+ via CitiTravel.com
No foreign transaction fees and 1:1 point transfers to airline and hotel loyalty programs

Where it gives ground

$95 annual fee
No airport lounge access benefit

Compare it head to head

The fastest way to decide is against the product you are actually cross shopping. Showing 4 of 15 published matchups.

Credit cards7 differing specs

Blue Cash Preferred Card from American Express

$95/yr

Citi Strata Premier Card

$95/yr

American Express leads on 2 of 3 rankable specs.

See the breakdown

Credit cards8 differing specs

American Express Gold Card

$325/yr

Citi Strata Premier Card

$95/yr

Citi leads on 2 of 3 rankable specs and charges less a year.

See the breakdown

Credit cards9 differing specs

The Platinum Card from American Express

$695/yr

Citi Strata Premier Card

$95/yr

Evenly split on rankable specs, so price and taste decide it.

See the breakdown

Credit cards8 differing specs

Bilt World Elite Mastercard

$0/yr

Citi Strata Premier Card

$95/yr

Bilt leads on 3 of 4 rankable specs and charges less a year.

See the breakdown

Full specifications

Fees & Rates

Annual fee: $95
Regular APR: 21.24% – 29.24% Variable APR
Foreign transaction fee: None (0%)
Late fee: Up to $41

Rewards & Perks

Rewards rate: 10X points on hotels, car rentals, and attractions via Citi Travel; 3X points on restaurants, supermarkets, gas stations, EV charging stations, air travel, and other hotels; 1X on all other purchases
Sign-up bonus: 70,000 bonus ThankYou Points after spending $4,000 in the first 3 months ($700 value)
Intro APR offer: None
Lounge access: No

Card Details

Credit neededOur summary: Good to Excellent (670–850)
Network: Mastercard

Card figures are from issuer materials and go stale. Credit-needed bands are our summary.Official Citi Strata Premier Card terms

Credit-card figures are from issuer materials and go stale. This is not an offer to lend, not financial advice, and not a recommendation to apply. Verify every fee, APR, bonus and credit on the issuer's site.

Citi Strata Premier Card issuer terms (opens in a new tab) · checked Sep 2, 2026

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Frequently asked

How much does Citi Strata Premier Card cost?

Citi Strata Premier Card has an annual fee of $95/yr (catalog snapshot as of 2026-09-01). This is based on published issuer terms and is not a live financial offer.

What are Citi Strata Premier Card’s key specs?

Key specifications for Citi Strata Premier Card include annual fee ($95) and rewards rate (10X points on hotels, car rentals, and attractions via Citi Travel; 3X points on restaurants, supermarkets, gas stations, EV charging stations, air travel, and other hotels; 1X on all other purchases).

What does Citi Strata Premier Card compare against?

Citi Strata Premier Card is compared head to head against Blue Cash Preferred Card from American Express vs Citi Strata Premier Card, American Express Gold Card vs Citi Strata Premier Card, The Platinum Card from American Express vs Citi Strata Premier Card, Bilt World Elite Mastercard vs Citi Strata Premier Card, Capital One SavorOne Cash Rewards vs Citi Strata Premier Card, and Capital One Venture Rewards Credit Card vs Citi Strata Premier Card.