The Citi Strata Premier℠ Card typically requires applicants to have an excellent/good credit score to qualify, but Citi (like most issuers) will consider additional factors including your income, credit history and if you have other Citi cards open.
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Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.For consumers who want to dabble with travel rewards but don’t do tons of traveling, the Citi Strata Premier℠ Card offers a variety of everyday spending opportunities to earn bonus points. The card gives you generous rewards on restaurant, supermarket and gas station purchases.
You’ll earn valuable, flexible points that you can transfer 1:1 to more than 15 travel partners. For a reasonable annual fee, it’s a solid choice for people who want to save on the occasional trips they take, and don’t mind foregoing the VIP-level travel perks that some other travel cards provide.
Intro Purchase APR
N/A
Regular Purchase APR
20.49% - 28.49% (Variable)
Intro BT APR
N/A
Regular BT APR
20.49% - 28.49% (Variable)
Annual Fee
$95
Cash Advance Fee
5% of each cash advance; $10 minimum
Foreign Transaction Fee
0%
Balance Transfer Fee
Balance transfer fee applies with this offer; 5% of each balance transfer; $5 minimum.
Valuable sign-up bonus
A good reason to apply for the Citi Strata Premier℠ Card is that you can earn enough points for a plane ticket or two in the first few months. For a limited time, earn 75,000 bonus ThankYou® Points after spending $4,000 in the first 3 months of account opening, redeemable for $750 in gift cards or travel rewards at thankyou.com.
Points are easy to earn
While some travel cards only reward you for travel purchases, the Citi Strata Premier℠ Card is more focused on everyday spending. You’ll earn 10x on Hotels, Car Rentals, and Attractions booked through CitiTravel.com. Earn 3 Points per $1 spent on Air Travel and Other Hotel Purchases. Earn 3 Points per $1 spent on Restaurants. Earn 3 Points per $1 spent on Supermarkets. Earn 3 Points per $1 spent on Gas and EV Charging Stations. Earn 1 Point per $1 spent on All Other Purchases $100 Annual Hotel Benefit: Once per calendar year, enjoy $100 off a single hotel stay of $500 or more (excluding taxes and fees) when booked through CitiTravel.com. Benefit applied instantly at time of booking. Travel insurance protection: Trip Cancellation and Trip Interruption (Common Carrier), Trip Delay, Lost or Damaged Luggage, MasterRental Coverage (Car Rental).
A 3X bonus on everyday purchases like groceries can really add up, especially with grocery prices so high. With Americans spending an average of $5,259 on food at home, $3,030 on dining out and $2,148 on gas annually, that’s $865 per month on just these key spending areas. At 3 points per dollar, the rewards for that spend can be worth $313 per year.
You can transfer points to Citi transfer partners
Squeezing even more value out of travel rewards points is something that savvy cardholders try to do, and transferring to travel partners could be one way to do it. Citi has more than 15 travel partners to which you can move your ThankYou® Points over 1:1.
You may be able to bump up the value of your points on certain flight or hotel bookings, making them worth potentially more than 1 cent each. Take a look at this list of travel partners to help you decide if a ThankYou® Points card like the Citi Strata Premier℠ Card is a good choice for you:
$100 annual hotel credit
You’ll also get a $100 hotel credit each year you hold the card. This benefit can easily outweigh the $95 annual fee. All you have to do is book a single hotel stay of $500 or more through CitiTravel.com, and you’ll get a $100 discount applied to the booking. You can pay with your card, your ThankYou® Points or a combination of the two.
No foreign transaction fee
If you plan to travel abroad, the Citi Strata Premier℠ Card is a good choice for your wallet since you can avoid foreign transaction fees. Some cards charge an average of 3% when you use them outside of the U.S. so this benefit can add up to significant savings if you like to go overseas or island hopping.
No lounge access or elite status
To get VIP-level travel perks, you typically have to choose premium cards that have much higher annual fees. That said, if you’re looking for status perks for airline or hotel loyalty programs or airport lounge access, you won’t get them on this card.
Annual fee is not waived in the first year
Some cards that charge an annual fee give you the first year free, however the Citi Strata Premier℠ Card is not one of them. You’ll be charged the $95 annual fee when you get your first bill.
No purchase protection or extended warranty
Another popular perk that the Citi Strata Premier℠ Card is lacking that you may find on some rewards credit cards are those related to consumer protections. This includes getting reimbursed for damaged or stolen merchandise you purchase with the card and getting extra time on warranties for items purchased with the card.
For the same $95 annual fee and no foreign transaction fees, the Chase Sapphire Preferred® Card offers a stronger set of travel partners, including United, Southwest and JetBlue, as well as Marriott, Hyatt, and IHG hotels.
The Chase Sapphire Preferred® Card does not offer bonus points on gas purchases or in-person supermarket shopping, but does for streaming and online grocery delivery — making it a better choice for those who shop for food online. Lastly, the $95 annual fee provides valuable travel protections, including travel insurance, trip protection and primary auto rental insurance.
The Capital One Venture Rewards Credit Card is another $95 annual fee travel card that’s a good choice for those who prefer the same rewards on most purchases (see rates & fees.)
Cardholders earn 2 Miles per dollar on every purchase, every day; 5 Miles per dollar on hotels, vacation rentals and rental cars booked through Capital One Travel. Also, just like the Citi Strata Premier℠ Card, you can transfer these rewards to a variety of hotel and airline programs. However, cardholders get a credit for Global Entry or TSA PreCheck.
For a higher annual fee ($325), the American Express® Gold Card offers even better rewards on restaurant and U.S. supermarket purchases than the Citi Strata Premier℠ Card. You’ll earn 4X Membership Rewards® Points at Restaurants (on up to $50,000 per calendar year in purchases, then 1X), Earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X). Earn 3X Membership Rewards® points on flights booked directly with airlines or on AmexTravel.com. Earn 2X Membership Rewards® points on prepaid hotels and other eligible purchases booked on AmexTravel.com. Earn 1X Membership Rewards® point on all other eligible purchases. Terms Apply.
You might find the higher annual fee worth it if you’re a foodie who will also take advantage of the card’s dining credit worth up to $120 each year ($10 monthly for qualifying restaurants). But for an entry-level travel card, the Citi Strata Premier℠ Card is probably the way to go.
| Credit Cards | Our Ratings | Welcome Offer | Rewards Rate | Annual Fee | |
|---|---|---|---|---|---|
Citi Strata Premier℠ Card
 Apply Now
on Citibank's secure site Rates & Fees |
For a limited time, earn 75,000 bonus ThankYou® Points after spending $4,000 in the first 3 months of account opening, redeemable for $750 in gift cards or travel rewards at thankyou.com. | 10x on Hotels, Car Rentals, and Attractions booked through CitiTravel.com. Earn 3 Points per $1 spent on Air Travel and Other Hotel Purchases. Earn 3 Points per $1 spent on Restaurants. Earn 3 Points per $1 spent on Supermarkets. Earn 3 Points per $1 spent on Gas and EV Charging Stations. Earn 1 Point per $1 spent on All Other Purchases $100 Annual Hotel Benefit: Once per calendar year, enjoy $100 off a single hotel stay of $500 or more (excluding taxes and fees) when booked through CitiTravel.com. Benefit applied instantly at time of booking. Travel insurance protection: Trip Cancellation and Trip Interruption (Common Carrier), Trip Delay, Lost or Damaged Luggage, MasterRental Coverage (Car Rental). | $95 |
Apply Now
on Citibank's secure site Rates & Fees |
|
Chase Sapphire Preferred® Card
Apply Now
on Chase's secure site |
Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. | Enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, $50 Annual Chase Travel Hotel Credit, plus more. | $95 |
Apply Now
on Chase's secure site |
|
Capital One Venture Rewards Credit Card
Apply Now
on Capital One's secure site Rates & Fees |
75,000 Miles once you spend $4,000 on purchases within 3 months from account opening | 2 Miles per dollar on every purchase, every day; 5 Miles per dollar on hotels, vacation rentals and rental cars booked through Capital One Travel | $95 |
Apply Now
on Capital One's secure site Rates & Fees |
|
American Express® Gold Card*
|
Earn 60,000 Membership Rewards® points after you spend $6,000 on eligible purchases on your new Card in your first 6 months of Card Membership. | Earn 4X Membership Rewards® Points at Restaurants (on up to $50,000 per calendar year in purchases, then 1X), Earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X). Earn 3X Membership Rewards® points on flights booked directly with airlines or on AmexTravel.com. Earn 2X Membership Rewards® points on prepaid hotels and other eligible purchases booked on AmexTravel.com. Earn 1X Membership Rewards® point on all other eligible purchases. Terms Apply | $325 |
If you want to start earning travel rewards and happen to spend a good amount on groceries, gas and dining out, the Citi Strata Premier℠ Card could be a great fit for your wallet. You’ll start off with a generous sign-up bonus, enjoy 0% foreign transaction fees and can transfer points to a variety of travel partners. However, if you’re interested in premium travel perks — like elite status or airport lounge access — you may want to consider cards with a higher annual fee.
Apply Now
The Citi Strata Premier℠ Card typically requires applicants to have an excellent/good credit score to qualify, but Citi (like most issuers) will consider additional factors including your income, credit history and if you have other Citi cards open.
Determining if any credit card with a fee is worth it really comes down to if you are able to earn more in rewards and benefits than you pay for the card. For the Citi Strata Premier℠ Card, that means you want to redeem at least $95 in rewards, or you can take advantage of the $100 hotel credit. Paying your card in full each month will also help ensure that you’re not paying interest charges.
The Citi Strata Premier℠ Card is a Mastercard.
The Citi Strata Premier℠ Card is not made out of metal.
For Capital One products listed on this page, some of the benefits may be provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply
The information related to the American Express® Gold Card has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply.
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