Citi Strata Premier

Citi · Mastercard · $95 annual fee

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670

Min Score

19.49–27.49%

APR Range

Foreign Fee

1¢+

Per Point

$95

Annual Fee

Welcome Bonus

60,000 points

≈ $600+ estimated value

After you spend $4,000 in the first 3 months. Citi runs elevated offers periodically — check the current bonus before applying.

How You Earn · points per $1

Hotels

10x

Hotels, car rentals & attractions via Citi Travel℠

Hotels

Air travel & hotels

Groceries

Restaurants & supermarkets

Gas

Gas & EV charging stations

Purchases

Everything else

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Value you’ll capture$0 of $100

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$100^yrAnnual hotel benefit▾

$100 off a single hotel stay of $500 or more (excluding taxes and fees) booked through Citi Travel℠. Once per calendar year — and on its own it more than covers the $95 annual fee.

IncludedTrip & travel insurance▾

Trip cancellation & interruption (up to $5,000 per trip), trip delay (up to $500 after 6 hours), lost or damaged baggage (up to $3,000), and missed-connection coverage — added when Citi Premier became Strata Premier.

PoolingCombine points with other Citi cards▾

ThankYou points earned on a Double Cash or Custom Cash can be pooled into this account — and only a Strata Premier (or Strata Elite) unlocks 1:1 transfers to airline partners. This is the card that turns Citi cash back into airline miles.

16 transfer partners

ThankYou points move 1:1 to airlines & hotels. View partners →

Terms apply; verify current details with Citi before applying.

The latest changes to this card — newest first. Verified against issuer terms.

2026NEW

Welcome bonus now 60,000 points

The current public offer is 60,000 ThankYou points after $4,000 in 3 months. Citi has run 75,000-point promotions before, so it’s worth watching if you’re not in a hurry.

2026

The $100 hotel credit still beats the fee

One $500+ hotel booking through Citi Travel returns $100 — more than the $95 annual fee, before you earn a single point.

2026

The card that unlocks Citi transfers

Holding Strata Premier converts the ThankYou points from your no-fee Citi cards into transferable airline currency — the reason most people carry it.

Advertiser Disclosure: MyCreditPerks may earn a commission when you apply through a link on our site, at no cost to you. Rankings and values are based solely on reward rates, fees, and estimated value — advertiser relationships never influence results. Reward values are estimates; verify current terms with Citi before applying.

Citi Strata Premier

Welcome bonus now 60,000 points

The $100 hotel credit still beats the fee

The card that unlocks Citi transfers

Transfer Partners