Citi Strata Premier®: Elevated Rewards Across Travel and Everyday Spending

Earn elevated rewards on travel, dining, groceries, and gas/EV charging, with the ability to transfer points to airline and hotel partners for greater potential value.

Olena
By Olena | May 9, 2026 at 10:30 AM EST

The Bottom Line

4.3
BIG4CREDIT RANKING Our 5-star rating is based on Big4credit’s independent, data-driven scoring system. Each card is evaluated across multiple weighted categories – including rewards, fees, welcome offers, 0% intro APR, ongoing APR, perks, benefits, and protections. Ratings are determined solely by our research and analysis and are never influenced by card issuers or advertisers. Read about our ranking system in the Credit Card Ranking & Methodology section.
Citi Strata Premier® is a strong option if you want to earn high rewards across everyday categories like travel, dining, groceries, and gas/EV charging. It works well for people who want solid points earnings without juggling rotating categories. The card becomes especially valuable if you plan to transfer points to airline or hotel partners for travel. However, it’s less appealing if you prefer simple cashback or don’t want to think about point redemptions. If you want broad bonus categories and flexible travel rewards for a reasonable annual fee, this card is worth considering.
Citi Strata Premier®
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Citi Strata Premier®
Annual fee:   $95

Intro APR

Purchases: N/A

Balance Transfers: N/A

Regular APR

19.74% - 27.74%

Credit Score

670-850 (Good/Excellent)

Rewards Earn 10x points on hotels, car rentals, and attractions booked through Citi Travel®. Additionally, earn 3x points on air travel and other hotel purchases. Plus, earn 3x points at restaurants, supermarkets, gas & EV charging stations, and 1x point on all other purchases.

1x - 10x Points

Welcome Offer Earn 60,000 bonus points after spending $4,000 in the first three months.

60,000 Points

The Citi Strata Premier® Card was introduced in May 2024 as an enhanced version of the Citi Premier® Card.

Pros and Cons

Pros:

  • Sign-up bonus
  • 10X points on select Citi Travel®
  • 3X points bonus categories
  • Transfer partners
  • No foreign transaction fees
  • Annual hotel credit
  • Travel Protections
  • Purchase Assurance Plus
  • Extended warranty coverage

Cons:

  • Annual fee
  • High APR
  • No intro 0% APR
  • You must spend at least $500 on a single hotel booking, excluding taxes and fees, through the Citi Travel® portal to earn the $100 annual hotel benefit

Welcome Offer

Earn 60,000 bonus points after spending $4,000 in the first three months.

Rewards

  • 10x Points on Select Citi Travel®: Earn 10x points on hotels, car rentals, and attractions booked through Citi Travel®.
  • 3x Points Categories:
    • Air Travel & Other Hotel Purchases
    • Restaurants
    • Supermarkets
    • Gas & EV charging Stations
  • 1x Points on all other purchases.

Redemption Options

  • Flexible Redemption: Redeem points for cashback, gift cards, travel, purchases at Amazon.com, PayPal checkout, and more.
  • Travel Partner Transfers: Points can be transferred to select airline and hotel partners, though transfer ratios may vary.

Fees and APR

  • Annual Fee: $95.
  • Regular APR: 19.74% - 27.74% Variable APR.
  • Balance Transfer Fees: $5 or 5% of each transfer amount, whichever is greater.
  • Foreign Transaction Fee: None.

Annual Credits

$100 Annual Hotel Credit: Receive $100 off one hotel stay of $500 or more (excluding taxes and fees) each calendar year when you book through Citi Travel®. The discount is applied instantly at checkout.

Travel Benefits

The Reserve by Citi Travel®: Curated hotel collection offering benefits such as daily breakfast for two, a $100 on-property credit (varies by property), and select perks like upgrades or late checkout when available. Benefits apply when booking an eligible Reserve rate through Citi Travel.

Travel Protections

  • Trip Delay Protection: Get reimbursed for eligible expenses like meals and lodging if your trip is delayed for a covered reason.
  • Trip Cancellation & Interruption Insurance: Get reimbursed for non-refundable travel costs if you need to cancel or cut your trip short due to a covered reason. Applies to airfare, ferry, train, bus, and cruise tickets when purchased with your card.
  • Lost or Damaged Luggage: Get reimbursed for eligible expenses if your checked or carry-on luggage is lost or damaged during your trip.
  • MasterRental® Coverage (Car Rental): Get coverage for damage or theft of a rental car when you pay for the rental with your card and decline the rental company’s collision damage waiver.

Purchase Protections

  • Purchase Assurance Plus: Covers eligible new purchases against damage or theft.
  • Extended Warranty: Get extra warranty protection at no cost on eligible items you purchase with your card.

Convenience Features

  • Authorized Users: Add authorized users at no cost and earn rewards on their purchases.
  • Digital wallet compatible: Apple Pay®, Google Pay™, Samsung Pay.

Nice Extras

  • Entertainment Access: Citi Entertainment® (presale ticket access and occasional exclusive events).
  • Citi Travel®: Integrated travel booking portal (book flights, hotels, car rentals, and attractions using your eligible Citi card, points, or a combination of both).

Buy Now, Pay Later Options

Citi® Flex Pay: Buy now and pay over time with fixed monthly payments on eligible purchases of $75 or more, while still earning points on your purchases.

Additional Features

  • Identity Theft Assistance: Mastercard ID Theft Protection (identity monitoring alerts and guided recovery support).
  • Card Lock: Citi Quick Lock (temporarily blocks new purchases while allowing recurring transactions).
  • Free credit score access.

Ratings

  • Net Value & Cost Efficiency: 8.0/10
  • Rewards & Earnings Power: 8.8/10
  • Welcome Bonus Value: 8.0/10
  • First-Year Earning Boost: 0/10
  • APR & Interest Structure: 2.8/10
  • Simplicity & Transparency: 8.0/10
  • Perks, Benefits & Protections: 3.9/10
  • Issuer Credibility & Stability: 6.0/10
  • Installment & BNPL Features: 7/10
  • Eligibility & Approval Accessibility: 8.0/10

Big4Credit ratings are based on our independent analysis of each card’s features, value, fees, rewards, and benefits. Card issuers do not influence our ratings.

Terms and Conditions

Click Apply Now to see the terms and conditions.

EarnSmart Rewards Strategy

Maximize Your Rewards

  • Citi Double Cash®: Unlimited 2% cashback on all purchases, with rewards that can be combined with Citi Strata Premier® points.
  • U.S. Bank Altitude® Connect (travel/transportation): Add 4X Points on travel, gas, and EV charging to complement Strata Premier’s broader travel rewards.
  • Chase Freedom Flex®(5% quarterly rotating categories): Provides quarterly rotating 5% category, creating additional opportunities to earn elevated rewards throughout the year.

Upgrade Within Citi

Citi Strata Elite℠: A premium-tier option with elevated rewards, travel perks, and luxury benefits for cardholders seeking a more comprehensive travel experience beyond Citi Strata Premier®.

Alternatives

  • Chase Sapphire Preferred®: A strong alternative for travelers who value Chase Ultimate Rewards®, with up to 5X points on travel, 3X points on dining, gas, EV charging, online grocery purchases, and select streaming services, plus access to valuable airline and hotel transfer partners.
  • Wells Fargo Autograph Journey℠: A compelling alternative for travelers who want a straightforward premium travel rewards card with up to 5X points on travel purchases, 3X points on restaurants, and access to airline and hotel transfer partners.

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