Citi Strata Premier
60,000 points welcome · 10x on hotels & car rentals (via portal) · $95/yr
The Strata Premier earns 3 points per dollar across an unusually wide set of everyday categories: dining, groceries, gas and EV charging, airlines, and hotels booked directly, for a $95 annual fee. Hotels, car rentals, and attractions booked through Citi Travel earn 10x, and the 60,000-point bonus after $4,000 in spend within 3 months is a solid start. The catch is the 1x base rate on everything outside those categories, and the $100 annual hotel credit only applies to a single stay of $500 or more booked through Citi Travel, so it will not offset the fee for everyone. With no foreign transaction fee, it works well as a primary card for households that spend heavily on food and gas.
Earn rates & credits
| Category | Rate |
|---|---|
Hotels & Car Rentals (via Portal) On hotels, car rentals, and attractions booked through Citi Travel | 10x |
Airlines | 3x |
Hotels On hotels booked directly | 3x |
Dining | 3x |
Groceries | 3x |
Gas Includes EV charging stations | 3x |
Everything Else | 1x |
| Benefit | Value |
|---|---|
Annual Hotel Credit $100 off a single hotel stay of $500 or more booked through Citi Travel once per calendar year | $100 /yr |
| Total annual credits | $100 |
Card details
Regular APR | 20.24%–28.24% variable |
Foreign transaction fee | None |
Approval odds
Product changes
Where cardholders came from before landing on this card, and what they moved it to afterwards. Thicker flows carry a larger share of the changes in that direction.
Citi Strata PremierBased on 1 reported product change. Percentages are shares of each direction, not of all cardholders, and a small sample can swing a long way.