Citi Strata Premier® Card
$95 annual fee · $130/yr in printed statement credits · 1x on everything else · no foreign transaction fees
Terms verified 2026-09-03 against issuer terms · welcome offer re-checked 2026-09-14
Earn rates · how we got this
| Category | Rate | Cap |
|---|---|---|
| Flights | 3x 3.3¢ per $1 |
uncapped |
| Dining | 3x 3.3¢ per $1 |
uncapped |
| Groceries | 3x 3.3¢ per $1 |
uncapped |
| Gas | 3x 3.3¢ per $1 |
uncapped |
| Everything else | 1x 1.1¢ per $1 |
uncapped |
| Issuer travel portal portal only — pays only if you book through the issuer's own site, so it is excluded from every ranking on this site |
10x | uncapped |
Signup bonus: 60,000 points after $4,000 in 3 months. We never count unearned bonuses in savings math — a bonus you don't clear is worth zero. Bonus figure confirmed on the issuer's page 2026-09-14.
Statement credits — $130/yr on paper · how we got this
Monthly and quarterly credits expire if unused — that's where most of their printed value quietly disappears.
Non-cash perks
- Trip Cancellation/Interruption, Trip Delay, Lost or Damaged Luggage, MasterRental (car rental) coverage
- Points transfer to American Airlines, JetBlue, Virgin Atlantic, Cathay Pacific, Eva Air, Choice Hotels, The Leading Hotels of the World
- Citi Entertainment presale/exclusive event access
- Add Authorized Users at no additional cost
- Aggregator sources (FinanceBuzz, Firstcard) report a complimentary Apple TV+ subscription (~$156/yr value, activate by 12/31/2026) and a complimentary DashPass membership (activate by 12/31/2027) — not independently confirmed on the fetched citi.com product page and unconfirmed as of verified_date
Does the fee earn out? · how we got this
The printed statement credits ($130/yr) cover the $95 fee on paper — if you'd spend that way anyway. Credits you have to remember, enroll in, or change behavior for are worth less than face value. Our app tracks each one against your actual charges.
Is this $95 fee worth it? See the break-even math →
Check the current offer on the issuer's site → Where a card link will appear once available — no link on this page pays us today.
Who this card is not for
Every point below is a term the issuer prints, read off this card's own row in our database — not an opinion about the card. One thing on this card rules out a kind of spender:
- Anyone who doesn't spend at the issuer's travel portal. Its largest printed rate, 10x, pays only on travel booked through the issuer's travel portal. The same booking made anywhere else earns its base 1x, so the headline number is a portal rate rather than a category rate — which is why no ranking on this site counts it.
Compared head-to-head
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- Citi Strata Premier® Card vs American Express Gold Card — which earns more?
- Citi Strata Premier® Card vs The Platinum Card from American Express — which earns more?
- Citi Strata Premier® Card vs Royal ONE Plus Visa Signature — which earns more?
- Citi Strata Premier® Card vs Hawaiian Airlines Bank of Hawaii World Elite Mastercard — which earns more?
- Citi Strata Premier® Card vs Wyndham Rewards Earner Plus Card — which earns more?
- Chase Sapphire Preferred vs Capital One Venture Rewards vs Citi Strata Premier® Card — all three side by side
- American Express Gold Card vs Chase Sapphire Preferred vs Citi Strata Premier® Card — all three side by side
Don't want the fee any more?
Citi Strata Premier® Card can normally be product-changed to one lower-fee card in the Citi ThankYou family instead of being closed — which keeps the account, its age and its credit line.
Comparing cards in the same currency? See the best cards that earn Citi ThankYou points →
More from Citi
Which card should this spending actually be on? The demo re-scores a year of realistic spending against every card in a wallet — free, no signup. See it on sample data →
Verified 2026-09-03 against issuer terms · sources: www.citi.com · awardwallet.com · financebuzz.com. Spot an error? Tell us.