Citi Strata Premier® Card
Citi · MASTERCARD
The Citi Strata Premier® Card is a credit card from Citi on the MASTERCARD network. It has an annual fee of $95. It earns 10x on travel, 3x on dining & restaurants, 3x on groceries. The welcome offer is 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.
Key facts
- Annual fee
- $95
- Purchase APR
- 19.49% - 27.49% variable APR
- Foreign transaction fee
- None
- Network
- MASTERCARD
- 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.
Reward rates by category
| Category | Rate | Detail |
|---|---|---|
| Travel | 10x | 10x on Hotels |
| Dining & restaurants | 3x | 3x on Restaurants |
| Groceries | 3x | 3x on Supermarkets |
| Gas & fuel | 3x | 3x on Gas and EV |
Benefits and perks
- How does the $100 Annual Hotel Benefit work? Once per calendar year, enjoy $100 off a single hotel stay of $500 or more (excluding taxes and fees) when booked through cititravel.com or 1-833-737-1288 (For TTY: We accept 711 or other Relay Service). Benefit applied instantly at the time of booking. Hotels, Car Rentals and Attractions booked through cititravel.com.
- Are there foreign transaction fees1 for the Citi Strata Premier® Card? There are no foreign transaction fees1 with the Citi Strata Premier® Card.
- How do I redeem ThankYou® Points with the Citi Strata Premier® Card? You can easily redeem ThankYou® Points for your Citi Strata Premier® Card online or by calling the ThankYou Service Center. If you choose to redeem online, visit thankyou.com to view the entire rewards collection available through the ThankYou® Rewards program. Upon login, there are several ways you can browse and redeem for rewards: The main Rewards page presents all categories. Simply select the type of reward you're interested in to see what the collection has to offer. Browse by specific points ranges. Use the search tool
- How do I apply for the Citi Strata Premier® Card? The application process for the Citi Strata Premier® Card is easy and straightforward. Learn more and apply online.
- Is the Citi Strata Premier® Card a Mastercard® or Visa® Credit Card? The Citi Strata Premier® Card is a Mastercard®. Learn more about the Citi Strata Premier® Card.
- What credit score is needed to be approved for the Citi Strata Premier® Card? There are many factors that Citi uses to determine creditworthiness, including your credit score. You can always visit Citi's Credit Cards homepage and navigate to the pre-qualify section to see which type of Citi card you may be pre-qualified for without affecting your credit score. The Citi Strata Premier® Card provides other benefits such as no foreign transaction fees1, no limit to the amount of points earned, no expiration on points earned, free access to view your FICO Score and more. You can also redeem your p
Rates and fees
Annual membership fee: $95. Purchase APR: 19.49% - 27.49% variable APR, based on creditworthiness and the Prime Rate. Foreign transaction fee: None.
Rates and fees as published by the issuer and recorded on 7 Sept 2026. See the issuer's terms for current rates. View the issuer's terms
Questions about the Citi Strata Premier® Card
What is the annual fee on the Citi Strata Premier® Card?
The Citi Strata Premier® Card has an annual fee of $95.
What rewards does the Citi Strata Premier® Card earn?
The Citi Strata Premier® Card earns 10x on travel, 3x on dining & restaurants, 3x on groceries, 3x on gas & fuel.
Is the Citi Strata Premier® Card worth it?
The Citi Strata Premier® Card is worth it when the rewards you would earn on your own spending exceed its annual fee. Upload a statement to Woodo and the calculation runs against your real categories rather than an assumed budget.
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