Citi Strata Premier® Card Review

Last Updated on May 13, 2026

Offer Rating

5.0/5

By Our Content Team

EDITOR

Offering a huge sign up bonus, the Citi Strata Premier® Card, from our partner, is a top travel rewards card that earns you extra points in popular spending categories like gas, groceries, travel, and more. It's also one of only a few cards that come with an annual hotel savings benefit.

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Rates & Fees

Citi Strata Premier® Card

5.0 BCC Score

Apply Now

on Citibank's secure site

Welcome Offer

Earn 60,000 bonus ThankYou® Points after spending $4,000 in the first 3 months of account opening, redeemable for $600 in gift cards or travel rewards at thankyou.com.

Rewards Rate

10x on Hotels, Car Rentals, and Attractions booked through CitiTravel.com. 3x -- Earn 3 Points per $1 spent on Air Travel and Other Hotel Purchases. 3x -- Earn 3 Points per $1 spent on Restaurants. 3x -- Earn 3 Points per $1 spent on Supermarkets. 3x -- Earn 3 Points per $1 spent on Gas and EV Charging Stations. 1x -- Earn 1 Point per $1 spent on All Other Purchases.

Intro APR

N/A, then 19.49% - 27.49% (Variable)

Annual Fee

$95

Credit Score Needed

Excellent, Good

Card Brand

Mastercard

Earn 60,000 bonus ThankYou® Points after spending $4,000 in the first 3 months of account opening, redeemable for $600 in gift cards or travel rewards at thankyou.com.
Earn 10 Points per $1 spent on Hotels, Car Rentals, and Attractions booked on CitiTravel.com.
Earn 3 Points per $1 on Air Travel and Other Hotel Purchases, at Restaurants, Supermarkets, 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.
No expiration and no limit to the amount of points you can earn with this card
No Foreign Transaction Fees on purchases

Pros

Earn a huge sign up bonus as a new cardholder
Enjoy a generous rewards rate of up to 10 Points per $1 spent on purchases
Pay no foreign transaction fees

Cons

There is no intro APR on purchases or balance transfers
The annual fee is not waived the first year

OUR EXPERT REVIEW

Why We Like It

The Citi Strata Premier® Card is a popular credit card from our partner Citibank with a rewards structure designed to help consumers earn more points than ever. Cardholders earn 10x on Hotels, Car Rentals, and Attractions booked through CitiTravel.com. 3x -- Earn 3 Points per $1 spent on Air Travel and Other Hotel Purchases. 3x -- Earn 3 Points per $1 spent on Restaurants. 3x -- Earn 3 Points per $1 spent on Supermarkets. 3x -- Earn 3 Points per $1 spent on Gas and EV Charging Stations. 1x -- Earn 1 Point per $1 spent on All Other Purchases.

Rake in those rewards with peace of mind because your points have no expiration and there is no limit on the amount of points you can earn with the Citi Strata Premier® Card. This card even offers a big bonus to new cardholders: Earn 60,000 bonus ThankYou® Points after spending $4,000 in the first 3 months of account opening, redeemable for $600 in gift cards or travel rewards at thankyou.com.

There is an annual fee of $95, but that is pretty easy to justify when you consider all the rewards you earn with this card. As an added bonus, there are no foreign transaction fees, which makes this card a great choice when traveling out of the country.

Pros & Cons

Pros

Earn a huge sign up bonus as a new cardholder
Enjoy a generous rewards rate of up to 10 Points per $1 spent on purchases
Pay no foreign transaction fees

Cons

There is no intro APR on purchases or balance transfers
The annual fee is not waived the first year

Pros Explained

Earn a huge sign up bonus as a new cardholder: Many credit cards come with sign up bonuses, but the current offer from the Citi Strata Premier® Card is one of the best we've seen.
Enjoy a generous rewards rate of up to 10 Points per $1 spent on purchases: This is one of the few cards that has no limit on the number of points you can earn in the bonus categories. With up to 10x Points, the rewards will pile up fast!
Pay no foreign transaction fees: When using this card while traveling abroad, you won't have to worry about getting hit with pesky transaction charges, and you can rest assured that your card will be accepted thanks to the worldwide Mastercard network.

Cons Explained

There is no intro APR on purchases or balance transfers: This is pretty normal for premium travel cards like the Citi Strata Premier® Card, but with no intro APRs, we recommend you pay your balance in full every month.
The annual fee is not waived the first year: Some cards offer promo periods with a $0 annual fee.