Strata Premier Card Review 2026
A well-rounded mid-fee card for people who spend across travel, dining, groceries, gas, and EV charging and want Citi ThankYou points with broad everyday bonus categories.
Your card estimate
Net first-year value
First year
+$1,165
Base rewards + bonus - fee - interest drag
Ongoing year
+$205
Excludes one-time welcome offer
SwitchWize take
Rewards credit card
Bonus value
$960
Rewards
1x points
Annual fee
$95
APR
20.24%-28.24%
Pros & cons
- 3X on hotels, airlines, dining, groceries, and gas
- Transferable Citi ThankYou points
- Annual hotel discount benefit
- No foreign transaction fees
- Annual fee not waived
- No lounge access
- Hotel credit has booking restrictions through Citi Travel
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
Offer history
How today's bonus compares
Current public welcome offer
$960
Observed Jun 21, 2026
12-month best
$960
1 tracked observation
Signal
At or near tracked best
Last history update Jun 21, 2026
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
Product card image shown
$95 annual fee
20.24%-28.24% variable
Spend requirement: $4,000 in first 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.
Annual fee not waived
Comparison set