Citi Strata Premier Card
Citi's mid-tier travel rewards card earning 3x ThankYou Points across a wide range of everyday and travel categories, with point transfers to airline partners.
Why it ranks
- Wide range of 3x bonus categories
- No foreign transaction fee
- Transferable ThankYou Points
What holds it back
- Has an annual fee
- No airport lounge access
- Fewer premium transfer partners than rivals
Advertiser disclosure: we may be paid if you apply through our links. Ratings are editorial. Confirm today's terms on the issuer's site — offers change.
Citi's mid-tier travel rewards card earning 3x ThankYou Points across a wide range of everyday and travel categories, with point transfers to airline partners.
Citi Strata Premier Card at a glance
| Issuer | Citi |
| Card network | Mastercard |
| Annual fee | $95 |
| Welcome bonus | 70,000+ bonus ThankYou Points after meeting the minimum spend |
| Rewards rate | 10x hotels, car rentals & attractions via Citi Travel, 3x air travel, restaurants, supermarkets, gas & EV charging, 1x everything else |
| Intro APR | None |
| Regular APR | 20.24%–28.24% variable |
| Foreign transaction fee | None |
| Credit needed | Good to Excellent (700+) |
| Best for | Everyday spenders who want broad 3x travel and grocery rewards |
| Airport lounge access | No |
Rewards & benefits
- Points transfer to airline partners like JetBlue and Wyndham
- $100 annual hotel benefit on a single stay of $500+
- Broad 3x categories cover most spending
Eligibility & who it suits
- U.S. credit history with a good-to-excellent score
- Sufficient income to support the line
- Not have earned the bonus on this card in the prior 48 months
How to apply
Check current rates on Citi’s official site →
This opens the issuer’s official application page in a new tab. We may earn a commission if you are approved — it never changes the terms you receive.
Rates, fees, welcome offers and benefits are provided for general information, can change at any time, and may not reflect current terms. Always confirm the latest details on the issuer’s official site before applying. This is not financial advice.
How it ranks against similar USA cards
| Rank | Card | Annual fee | Rewards | Welcome offer | Foreign fee | Who qualifies | Score |
|---|---|---|---|---|---|---|---|
| 1 | CCitiStrata Premier$95/yr · US Citi Strata Premier CardEveryday spenders who want broad 3x travel and grocery rewards |
$95/yr | 10x hotels, car rentals & attractions via Citi Travel, 3x air travel, restaurant… | 70,000+ bonus ThankYou Points after meeting the minimum spen… | None | Good to Excellent (700+) | |
| 2 | CChaseSapphire Preferred$95/yr · US Chase Sapphire Preferred CardTravelers who want flexible points without a huge annual fee |
$95/yr | 5x travel (Chase Travel), 3x dining & streaming, 2x other travel, 1x everything… | 60,000+ bonus points after meeting the minimum spend | None | Good to Excellent (700+) | |
| 3 | CChaseSapphire Reserve$550/yr · US Chase Sapphire ReserveFrequent travelers who value lounge access and premium protections |
$550/yr | 10x hotels & cars via Chase Travel, 5x flights, 3x dining, 1x other | Large points bonus after the minimum spend | None | Excellent (740+) | |
| 4 | COCapital OneVenture Rewards$95/yr · US Capital One Venture RewardsTravelers who want flat-rate miles with no category tracking |
$95/yr | 5x hotels & cars via portal, 2x miles on all other purchases | Miles welcome offer after minimum spend | None | Good to Excellent (700+) |
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