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Citi Strata Premier℠
Citi

Citi Strata Premier℠

A $95-a-year travel rewards card from Citi.

Transfers to airlines & hotels
Annual fee
$95/yr
Welcome bonus
60,000 ThankYou® Points
Min spend
$4,000 in 3 months
Recommended credit
Good to Excellent (700+)
Network
Mastercard
Foreign transaction fee
None
Apply on Citi site8.8/10Our rating · review ›

Rates, fees, and full terms are set by Citi and can change. See current rates & fees on the issuer’s site, and always confirm the latest terms before applying.

Before you apply: Citi application and welcome-bonus rules →
Offer last verified July 24, 2026. How we verify.

Is this card right for you?

✓ Best for

people who spend heavily on dining, groceries, and gas and want travel rewards they can grow.

⚠ Think twice if

you will not use enough of its perks and credits to cover the $95 annual fee.

Earning rates

3x ThankYou® Points on hotels, air travel, restaurants, supermarkets, and gas/EV charging
10x on hotels and car rentals via Citi Travel portal
1x on all other purchases
Points transfer to 18+ airline and hotel partners (JetBlue, Virgin Atlantic, Turkish Miles & Smiles & more)

Best ways to earn & redeem

Put your dining, groceries, and gas spending on this card to earn at its highest rates, and let a different card handle the categories it does not bonus.

When you cash in, transfer the points to airline and hotel partners for potential outsized value, or take a flat 1 cent as cash or travel. We value every point at a flat 1 cent, so treat any transfer upside as a bonus rather than the baseline — see what your points are really worth.

Features & benefits

$100 annual hotel savings benefit (off a single hotel stay of $500+ via Citi Travel)
No foreign transaction fees
Trip cancellation/interruption and trip delay insurance
Lost and damaged luggage protection
Purchase protection and extended warranty
World Elite Mastercard benefits and Citi Entertainment® access

Transfer partners

Your ThankYou Points transfer directly to airline and hotel loyalty programs, usually at 1:1. That is where transferable points beat flat cash back, because the right award can be worth well over 1 cent each. Major partners include:

Airline partners

American Airlines AAdvantage, Turkish Miles & Smiles, JetBlue TrueBlue, Virgin Atlantic, Avianca LifeMiles, Air France/KLM

To see what a specific flight award actually costs, look up live mileage prices and seat availability on seats.aero.

Hotel partners

Wyndham Rewards, Choice Privileges, The Leading Hotels of the World

You can check the live points price for a specific stay on rooms.aero.

See the full Citi ecosystem, card lineup, and live transfer bonuses →

Alternatives to the Citi Strata Premier℠

Pairs well with

The Citi Strata Premier℠ is a Citi transfer hub. Pair it with these strong ThankYou Points earners, whose points pool into it so you can transfer the combined balance.

Learn more

How does it rank for your spending?

Every card is ranked by what it actually returns on the way you spend. Run your numbers and see where the Citi Strata Premier℠ lands.

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