Citi Strata Premier® Card

Pros & Cons

Pros

+Welcome Bonus: 60,000 points
+Up to 3x on groceries

Cons

–No purchase protection

Our Review

Supercharge Your Earning with the Citi Strata Premier® Card

60,000 bonus points after spending $4,000 in the first 3 months
10X points on hotels, car rentals and attractions booked through CitiTravel.com
3X points on air travel, other hotel purchases, supermarkets, restaurants and gas & EV charging stations
1X point on all other purchases
$100 annual hotel benefit on a single $500+ stay booked via CitiTravel.com
No foreign transaction fees and no points expiration
$95 annual fee

Whether you’re packing your bags for an international adventure or filling up at the grocery store, the Citi Strata Premier® Card rewards you richly across everyday essentials and travel purchases. Track your points in the Citi app, enjoy instant hotel savings, and leverage top transfer partners to unlock even more value.

Terms apply. Annual fee applies. Bonus points require minimum spend. See full terms for details.

Rewards

All Spending

1x

Citi ThankYou pts per dollar

Groceries

3x

Citi ThankYou pts per dollar

Gas

3x

Citi ThankYou pts per dollar

Restaurants

3x

Citi ThankYou pts per dollar

Travel

3x

Citi ThankYou pts per dollar

Credit Card Rewards Calculator

See how much you could earn with this card based on your spending.

Your point valuation¢/ point

0.50¢3¢

Groceries3x

$700/mo

Gas & EV3x

$200/mo

Transit1x

$100/mo

Restaurants3x

$300/mo

Pharmacy1x

$50/mo

Travel3x

$150/mo

Bills & recurring payments1x

$250/mo

Telecom1x

$150/mo

Entertainment & streaming1x

$100/mo

Office supplies1x

$0/mo

All other spending1x

$500/mo

Points Earned

62,400

Citi ThankYou/yr

Estimated Value

$624

After Fees

+$529

1st Year Value

$1,129

incl. welcome bonus

Breakdown

Groceries$8,400/yr × 3x25,200 pts

Gas & EV$2,400/yr × 3x7,200 pts

Transit$1,200/yr × 1x1,200 pts

Restaurants$3,600/yr × 3x10,800 pts

Pharmacy$600/yr × 1x600 pts

Travel$1,800/yr × 3x5,400 pts

Bills & recurring payments$3,000/yr × 1x3,000 pts

Telecom$1,800/yr × 1x1,800 pts

Entertainment & streaming$1,200/yr × 1x1,200 pts

All other spending$6,000/yr × 1x6,000 pts

Total annual spend$30,000

Total monthly spend$2,500

Average earn rate on spend per year2.08x

Total points earned62,400 pts

Value of points accumulated in the first year≈ $624

Perks & Benefits

Travel Credits

Included

Additional Benefits

Travel protections: Trip Cancellation and Interruption Protection, Trip Delay Protection, Lost or Damaged Luggage Protection, and MasterRental Coverage (car rental insurance). No foreign transaction fees. $100 off a single hotel stay of $500 or more (excluding taxes and fees).

Fees and interest rates

Annual Fee
$95

Terms & Conditions

Card Features

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