Citi Strata Premier Review 2026
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.
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Your card estimate
Net first-year value
First year
+$805
Base rewards + bonus - fee - interest drag
Ongoing year
+$205
Excludes one-time welcome offer
SwitchWize take
Rewards credit card
Bonus value
$600
Everyday rewards
1x points
Up to 10x in some categories
Annual fee
$95
APR
19.74% to 27.74%
Quick summary
What this card is, in plain words
Strata Premier has a $95 annual fee and a variable purchase APR of 19.74% to 27.74%. It earns 1x points on everything else, and more on 9 categories (the highest is 10x points on Citi travel).
What to consider
- The $95 annual fee is charged every year, so the rewards have to be worth more than that.
- The APR is 19.74% to 27.74% and it can change. Interest on a carried balance is usually larger than the rewards.
Pros & cons
- Sign-up bonus worth $600
- Annual fee: $95
Derived from the current rate, fees, and terms we track for this product. Confirm the latest details on the provider’s site.
Card truth label
Terms that decide whether this card fits
Fees
What this card can cost you
- Annual fee
- $95
- Foreign transaction fee
- Not verified yet
- Balance transfer fee
- Not verified yet
- Cash advance fee
- Not verified yet
- Late payment fee
- Not verified yet
- Authorized user fee
- Not verified yet
Earning rates
What you earn, by purchase type
Citi travel
10x points
Gas
3x points
Dining
3x points
Hotels
3x points
Airfare
3x points
Groceries
3x points
Air travel and other hotel purchases
3x points
Restaurants
3x points
Supermarkets
3x points
Everything else
1x points
Benefits and protections
Each item below was checked against the issuer's own published terms. Coverage limits and exclusions apply, so confirm them with the issuer.
Protections
- Mastercard ID Theft Protection
Perks and credits
- Annual Hotel Benefit (calendar year)
- Citi Quick Lock
- Citi Travel Booking Service
- Free FICO Score Access
- No Authorized User Fee
Best for
- People whose spending matches the rewards structure
- Applicants who can use the welcome offer responsibly
- Cardholders who pay in full
- People comparing net first-year value
Not for
- Carrying a balance long term
- Applying only for a bonus without a payoff plan
- Spending more to earn rewards
- Anyone who cannot meet issuer approval requirements
Decision checks
Apply only if these checks pass
$95 annual fee
19.74%-27.74% variable
Spend requirement: $4,000 in 3 months
Citi terms control approval, pricing, and rewards
How you earn
Caps, exclusions, merchant coding, and redemption values can change the real return. Verify issuer terms before applying.
If you carry a balance, compare payoff cost before rewards. Interest can erase rewards quickly.
The $95 annual fee needs to be offset by rewards, credits, or travel value.
Comparison set
Other cards to compare first
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Before you apply
Application rules and credit check
- Who can get the welcome bonus
New account bonus offer is not available if you currently have or previously had a Citi Strata Premier ® or a Citi Premier ® account.
Source- How many cards you can open
- Not published by the issuer on its card page.
- Credit check when you apply
- Not published by the issuer on its card page.
These are the issuer’s own words. Informal rules reported by cardholders, such as "5/24", are not shown because the issuer has not published them. Checked Nov 13, 2026.
Questions
Common questions
What is the annual fee for the Strata Premier?
The Strata Premier has a $95 annual fee, according to Citi's page checked Nov 14, 2026.
How do I earn rewards with the Strata Premier?
10x points on Citi travel; 3x points on gas; 3x points on dining; 3x points on hotels; 3x points on airfare.
What is the APR on the Strata Premier?
The purchase APR is 19.74% to 27.74%, and it is variable. Your rate depends on your credit.
Sources
Where these figures come from
Fees and APR
https://www.citi.com/gcgapi/prod/public/v1/prelogin/digital/creditCards/offers/pricingDetails/retrieve · checked Nov 14, 2026
Earning rates
https://www.citi.com/credit-cards/credit-card-compare/view-all-credit-cards.html · checked Jun 21, 2026
Earning rates, Benefits and protections
https://www.citi.com/credit-cards/citi-strata-premier-credit-card · checked Aug 27, 2026
We could not verify the foreign transaction fee, balance transfer fee, cash advance fee, late payment fee, authorized user fee for this card yet, so we do not show a figure.
Bottom line
Is Strata Premier worth it?
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.
Worth it if: People whose spending matches the rewards structure
Skip it if: Carrying a balance long term