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
- Credit needed
- Good
- 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
- 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
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 1 Oct 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.
What credit score do you need for the Citi Strata Premier® Card?
The Citi Strata Premier® Card is generally listed for applicants with good credit. Approval also depends on income and the issuer's own criteria.
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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