Citi Strata Premier® Card
- Annual fee
- $95
- Top rewards rate
- 3%on travel
- Annual credits
- $100see breakdown below
- Welcome bonus
- 60,000 points after $4,000 spend in 3 months
- Foreign transaction fee
- 0%
Earns 3% on travel, so it pays off once your travel spending outweighs the $95 fee.
We may earn a commission if you apply through our links. This never affects rankings. How we make money
Full earn rates: 3% on travel, 3% on dining, 3% on groceries and 3% on gas & ev charging, then 1% on everything else.
Annual Credits
This card currently offers $100 in annual credits. What they're actually worth depends on how you spend, so run your own numbers in the calculator to see which ones you'd capture.
- $100 Annual hotel credit (Citi Travel) requires enrollment or a specific merchant
Credits are not factored into our rankings. Cards are ordered by rewards earned minus the full annual fee. We show credits separately so you can judge them against your own habits rather than taking an advertised total at face value.
Sign-Up Bonus
after spending $4,000 in the first 3 months
Rewards Breakdown
| Category | Rate | Details |
|---|---|---|
| Travel | 3% | Unlimited |
| Dining | 3% | Unlimited |
| Groceries | 3% | Unlimited |
| Gas & EV Charging | 3% | Unlimited |
| Travel if you qualify | 10% | Earns 10% only on hotels, car rentals and attractions booked through Citi Travel, Citi's own booking site. Booking direct with a hotel or rental company earns 3%. |
| All other purchases | 1% | Unlimited |
| Foreign Transaction Fee | None | Great for international purchases |
Compare With Similar Cards
See How Much You’d Earn
Enter your monthly spending to see how the Citi Strata Premier Card compares against other cards based on your actual habits.
See Your Estimated RewardsFrequently Asked Questions
What is the annual fee for the Citi Strata Premier Card?
The Citi Strata Premier Card has an annual fee of $95.
What is the sign-up bonus for the Citi Strata Premier Card?
New cardholders can earn 60,000 points after spending $4,000 in the first 3 months.
Does the Citi Strata Premier Card charge foreign transaction fees?
No, the Citi Strata Premier Card does not charge foreign transaction fees.
What categories earn bonus rewards with the Citi Strata Premier Card?
The Citi Strata Premier Card earns 3% on travel, 3% on dining, 3% on groceries, 3% on gas and EV charging. It also advertises 10% through Citi Travel, but that rate applies only when you qualify, so it is excluded from our rankings.
These rankings are estimates based on published card terms. Actual rewards depend on your spending patterns, how you redeem, and whether your purchases qualify for bonus categories. Rates and terms may change, so verify current offers on the issuer’s site.