Citi Strata Premier
Mastercard travel card with a $95 annual fee. Earns 10x on hotels, car rentals and attractions on Citi Travel, 3x on air travel, other hotels, restaurants, supermarkets, gas and EV charging, 1x on everything else.
Terms read from Citi's page on October 16, 2026. Rates and terms are set by the issuer and may change. We don't estimate approval odds.
Fees and rates
- Annual fee
- $95
- Foreign transaction fee
- None
- Purchase APR
- 19.74% to 27.74%
Rewards
- 10x on hotels, car rentals and attractions on Citi Travel
- 3x on air travel, other hotels, restaurants, supermarkets, gas and EV charging
- 1x on everything else
Earns Citi ThankYou Points (Strata Premier), valued at 1 cents as cash, 1 through the issuer's travel booking and 1.9 with transfer partners.
Credits, as counted
- $100 off a hotel stay of $500 or more, once a year: $100 a year40% used
Worked examples
Value on each spending preset, points redeemed as cash, typical use of credits.
| Spending | Year 1 | Year 2+ | 3 years | Break-even |
|---|---|---|---|---|
| Student | $181 | $181 | $542 | Month 5 |
| Family | $1,355 | $755 | $2,865 | Month 2 |
| Frequent traveller | $1,551 | $951 | $3,452 | Month 2 |
Frequently asked questions
Is the Citi Strata Premier worth it?
On a family's spending ($3,350 a month, points as cash), it's worth $1,355 in year 1 and $755 a year after that, after a $95 annual fee. It pays for its fee by month 2.
What is the Citi Strata Premier welcome bonus?
60,000 points after $4,000 in purchases in the first 3 months.
Does the Citi Strata Premier charge foreign transaction fees?
No. It charges no foreign transaction fee.
Sources
Estimates for information only; not tax, legal or financial advice. See our methodology.