Citi
Citi Strata Premier
Citi Strata Premier costs $95 annual fee and earns up to 3× on dining. Everything below comes from the card catalog we check against issuer terms, with the arithmetic spelled out.
Enter a typical month of spending to see what the Citi Strata Premier returns after its fee next to three cards it is usually compared with, then take those numbers to the full credit card rewards calculator to weigh up everything else in your wallet. No signup, and it runs in your browser.
- Annual fee
- $95 annual fee
- Best earn rate
- 3× dining
- Points value
- 1.8500000000000003¢ a point
- Used when you transfer to a travel partner. Cash back is worth 1¢.
- Welcome bonus
- 60,000 points
- About $1,110 if you redeem at 1.8500000000000003¢ a point, and only if you clear the spending requirement.
- Foreign transaction fee
- none
What the Citi Strata Premier earns
Hotels and rental cars through the issuer's travel site
10×
Only through the issuer's portal
Dining
3×
U.S. supermarkets
3×
Gas and EV charging
3×
Transit and rideshare
3×
Other travel
3×
| Category | Rate | Conditions |
|---|---|---|
| Hotels and rental cars through the issuer's travel site | 10× | Only through the issuer's portal |
| Dining | 3× | |
| U.S. supermarkets | 3× | |
| Gas and EV charging | 3× | |
| Transit and rideshare | 3× | |
| Other travel | 3× |
Rates checked with the issuer in October 2026. Spending outside these categories earns 1×. Confirm current terms with the issuer before you apply.
Is the Citi Strata Premier right for you?
Enter a typical month. You will see what the Citi Strata Premier returns after its annual fee, next to three cards it is usually compared with, and the full credit card rewards calculator weighs up everything else you spend.
Estimated rewards per year, after the annual fee
Citi Strata Premier Top for your numbers
3× dining, 3× groceries; 1× everything else. $95 annual fee.
Rewards $983 · Fee −$95
+$888
+$828
Atmos Rewards Ascent Visa Signature Card
2× gas, 2× transit; 1× everything else. $95 annual fee.
Rewards $455 · Fee −$95
+$360
+$234
How we estimate
- Every rate on this page comes from the card catalog. Citi Strata Premier pays 1× on spending outside the bonus categories listed above, and up to 3× on dining.
- We value this card's points at 1.8500000000000003¢ each. Cash back is valued at 1¢.
- Net is a year of rewards minus the annual fee. Credits count only when you tick the box.
- Welcome bonuses are left out of the tool so the numbers read as an ordinary year.
- Rent is not in the boxes: most landlords charge a fee that cancels out the rewards, and only a few cards earn on rent at all. Add rent in the full calculator, where those rules are modelled.
- Travel-portal bookings are not in the boxes, because portal prices differ from booking direct. The portal rates are in the table above.
- Rates checked with issuers in October 2026. Terms change, so confirm with the issuer before you apply. Educational estimate, not financial advice.
One category doesn’t pick a wallet. Add the rest of your monthly spending to see which cards win across everything, fees included.
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Welcome bonus
60,000 points
About $1,110 if you redeem at 1.8500000000000003¢ a point, and only if you clear the spending requirement.
Points and partners
Citi ThankYou
Transferable to airline and hotel partners.
Airlines
Aeromexico, Air France-KLM, Avianca, Cathay Pacific, Emirates (1000:800), Etihad, EVA Air, JetBlue, Qantas, Qatar Airways, Singapore, Thai Airways, Turkish Airlines, Virgin Atlantichttps://thriftytraveler.com/guides/points/credit-card-transfer-partners/#:~:text=Program%20Type%20Transfer%20Ratio%20Transfer,Instant%20Accor%20Hotel%201%2C000%3A500%20TBD
Hotels
Accor (1000:500), Choice (1:2), Wyndham, Leading Hotels of the World, Preferred Hotelshttps://thriftytraveler.com/guides/points/credit-card-transfer-partners/#:~:text=Program%20Type%20Transfer%20Ratio%20Transfer,Instant%20Accor%20Hotel%201%2C000%3A500%20TBD
Where this data came from
Checked citi.com 2026-10-05. $95 annual fee and no foreign transaction fee. 10x points on hotels, car rentals and attractions booked through Citi Travel; 3x on air travel, other hotel purchases, restaurants, supermarkets and gas and EV charging; 1x other. 60,000 points after $4,000 in 3 months. The 100-dollar credit is the annual hotel benefit, $100 off a single hotel stay of $500 or more booked through Citi Travel, rather than a general travel credit.
FAQ
The Citi Strata Premier charges $95 a year. Earning back $95 means about $214 a month on dining, where it earns 3.7000000000000006¢ more per dollar than the base rate. Credits and the welcome bonus can cover the rest.
3× on dining, and 1× on spending outside its bonus categories.
It depends on your mix, not the card. Earning back $95 means about $214 a month on dining, where it earns 3.7000000000000006¢ more per dollar than the base rate. Credits and the welcome bonus can cover the rest. Run your own numbers in the calculator above to see where it lands against the rest of the catalog.
The listed welcome offer is 60,000 points, and offers at these cards change often, so confirm the current terms and the spending requirement with the issuer before you apply. At 1.8500000000000003¢ a point that is about $1,110, before you count the annual fee and whether you would clear the spending requirement for it.
Yes. It earns Citi ThankYou, which you can transfer to the partners below. Airlines: Aeromexico, Air France-KLM, Avianca, Cathay Pacific, Emirates (1000:800), Etihad, EVA Air, JetBlue, Qantas, Qatar Airways, Singapore, Thai Airways, Turkish Airlines, Virgin Atlantichttps://thriftytraveler.com/guides/points/credit-card-transfer-partners/#:~:text=Program%20Type%20Transfer%20Ratio%20Transfer,Instant%20Accor%20Hotel%201%2C000%3A500%20TBD. Hotels: Accor (1000:500), Choice (1:2), Wyndham, Leading Hotels of the World, Preferred Hotelshttps://thriftytraveler.com/guides/points/credit-card-transfer-partners/#:~:text=Program%20Type%20Transfer%20Ratio%20Transfer,Instant%20Accor%20Hotel%201%2C000%3A500%20TBD. Transfers are what make a 1.8500000000000003¢ valuation reachable; using the points for cash back is worth far less.
No. The Citi Strata Premier charges no foreign transaction fee, so spending abroad earns at the same rate as at home, minus what the merchant adds.