SmartRatesUSA
Credit Card Review🌍 Best Everyday Travel

Citi Strata Premier® Card

Issued by Citi

10x hotels, car rentals & attractions via CitiTravel; 3x restaurants, supermarkets, gas & air travel — plus 75,000 ThankYou® Points after $4,000 spend in 3 months (~$750 in gift cards).

At a Glance

Annual Fee

$95

Purchase APR

20.24%–28.24%

Rewards Rate

10x hotels, car rentals & attractions via CitiTravel; 3x restaurants, supermarkets, gas & air travel

Min. Credit Score

700+ (est.)

Sign-Up Bonus

75,000 ThankYou® Points after $4,000 spend in 3 months (~$750 in gift cards)

Rates & Fees

Annual Fee

$95

Purchase APR

20.24%–28.24% variable

Foreign Transaction Fee

None

Balance Transfer Fee

5% of the amount transferred, $5 minimum; no promotional BT offer typically advertised

Cash Advance Fee

5% or $10 minimum, whichever is greater

Late Payment Fee

Up to $41

Estimate Your Rewards

See how this card fits your monthly spending

Enter your typical monthly spend by category to see roughly what the Citi Strata Premier® Card would earn you per year (this doesn't include any one-time sign-up bonus).

$/mo
$0/mo$1,500/mo
$/mo
$0/mo$1,500/mo
$/mo
$0/mo$1,500/mo
$/mo
$0/mo$1,500/mo
$/mo
$0/mo$1,500/mo
$/mo
$0/mo$3,000/mo

Note: The 10x rate on hotels, rental cars, and attractions applies only when booked through CitiTravel; other travel purchases earn the 3x rate used here.

Est. Annual Rewards

$847/yr

After $95 Annual Fee

$752/yr

Based On

$1,950/mo

Key Features

$100 hotel savings benefit once per calendar year ($500+ stays)

3x at supermarkets and gas stations — rare for a travel card

No foreign transaction fees

Pros & Cons

Pros

  • Outstanding 3x everyday categories (grocery, gas, dining, air)
  • Strong sign-up bonus
  • No foreign transaction fees
  • Points transfer to 18 airline & hotel partners

Tradeoffs

  • $95 annual fee
  • Hotel savings benefit has restrictions
  • CitiTravel portal required for 10x rate

How to Apply

Check whether your credit profile is a reasonable fit — Citi generally looks for applicants around 700+ FICO for the Citi Strata Premier® Card, alongside income and existing debt.

Gather your Social Security number, annual income, housing payment, and employer details before starting the application.

Apply directly through Citi's official site or app to make sure you're getting current, accurate offer terms.

Most issuers give an instant decision online; some applications are sent to manual review, which can take 7–10 business days.

If approved, activate the card and set up autopay before your first statement is due to avoid a late payment.

How It Compares

Current product highlighted
ProductAnnual FeePurchase APRRewards Rate
Citi Strata Premier® Card$9520.24%–28.24%10x hotels, car rentals & attractions via CitiTravel; 3x restaurants, supermarkets, gas & air travel
Chase Sapphire Preferred®$9521.49%–28.49%5x Chase Travel, 3x dining, gas/EV charging, online grocery, streaming & vacation rentals, 2x other travel
Chase Sapphire Reserve®$79519.49%–29.99%3x travel & dining worldwide
Capital One Venture X$39519.49%–28.49%10x hotels & rental cars, 5x flights via Capital One Travel, 2x everything else

Frequently Asked Questions

What credit score do I need for the Citi Strata Premier® Card?

Citi generally looks for applicants with a credit score around 700+ for the Citi Strata Premier® Card, though approval also depends on your income, existing debt, and overall credit profile — not credit score alone.

What's the annual fee on the Citi Strata Premier® Card?

The Citi Strata Premier® Card carries a $95 annual fee. Whether that's worth it depends on how much value you get from its rewards rate and included perks each year.

Does the Citi Strata Premier® Card have a sign-up bonus?

Yes — new cardholders can currently earn 75,000 ThankYou® Points after $4,000 spend in 3 months (~$750 in gift cards). Bonus terms and required spend change over time, so confirm the current offer on Citi's site before applying.

What fees should I watch for on the Citi Strata Premier® Card?

Beyond the annual fee, check the foreign transaction fee (None), balance transfer fee (5% of the amount transferred, $5 minimum; no promotional BT offer typically advertised), cash advance fee (5% or $10 minimum, whichever is greater), and late payment fee (Up to $41). These matter most if you carry a balance, transfer debt, or use the card internationally.

How does the Citi Strata Premier® Card compare to similar cards?

The Citi Strata Premier® Card is one of several travel cards worth comparing side by side — see the "How It Compares" table on this page for a few close alternatives, or browse the full list of travel cards for more options.

Other Credit Cards

Chase Sapphire Preferred®

5x Chase Travel, 3x dining, gas/EV charging, online grocery, streaming & vacation rentals, 2x other travel

Chase Sapphire Reserve®

3x travel & dining worldwide

Capital One Venture X

10x hotels & rental cars, 5x flights via Capital One Travel, 2x everything else

Rates, fees, and rewards shown are illustrative as of 2026 and subject to change — always confirm current terms directly with the issuer before applying.

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