Citi Strata Premier Card
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Affiliate link, we may earn a commission. Terms, rates, and sign-up bonuses are set by the issuer and can change. See the issuer site and our advertiser disclosure.
View OfferCurrent welcome offer: not verified. The bonus amount and the spend requirement are not present in the page Citi serves for this card. Both are left as empty placeholders and filled in by script after the page loads, so we could not confirm either from a first-party source. Citi's own footnote confirms a bonus offer exists and warns that offers may vary and may not be available in other places where the card is offered. We would rather show you no number than an unverified one, so we show none. Check the current offer on Citi's page before you apply.
Benefits and fees last verified Jun 2026against the issuer's published terms.
We check this card's welcome offer against Citi's own page. On our last check the bonus amount and the spend requirement were not in the page Citi serves; both are filled in by script after the page loads, so neither could be confirmed. A welcome offer does exist, and Citi notes that offers may vary by where you apply. We are not showing a figure we cannot verify.
Last checked Aug 2026 against citi.com. This is a record of a check that did not succeed, not a verification stamp.
A strong mid-tier card with the late-2024 refresh adding 10x on CitiTravel.com and EV charging to the 3x grid. The $100 hotel benefit and 16 transfer partners (Avianca, Flying Blue, Turkish, Virgin Atlantic, Wyndham) make it competitive with Sapphire Preferred at the same $95 fee.
Earning Rates
At a glance
- 10x CitiTravel.com hotels/cars/attractions
- 3x on restaurants, groceries, flights, hotels, gas, EV
- $100 hotel savings benefit
- No foreign transaction fees
Earning rates
7- 10xlodging
10x ThankYou Points on hotels, car rentals, and attractions booked through cititravel.com (Citi Travel portal); chain hotel stays booked through Citi Travel are third-party bookings and typically do not earn loyalty points or elite credit with the hotel brand
- 3xflights
3x ThankYou Points on air travel (any airline, booked anywhere, not just Citi Travel) with no spending cap
- 3xdining
3x ThankYou Points on restaurants (including takeout, delivery, and dining-app charges) with no spending cap
- 3xgroceries
3x ThankYou Points at supermarkets (US and worldwide grocery merchants coded as supermarkets) with no spending cap
- 3xgas
3x ThankYou Points at gas stations and EV charging stations (EV charging was added to the 3x grid in the late-2024 refresh that renamed the Citi Premier to Strata Premier)
- 3xlodging
3x ThankYou Points on hotels booked outside the Citi Travel portal (3x stacks for hotels booked directly with the hotel; 10x replaces the 3x rate when the hotel is booked through cititravel.com)
- 1xeverything else
1x ThankYou Points on all other eligible purchases
Statement credits
2- $100Hotel SavingsYearly
$100 off a single hotel stay of $500+ (before taxes/fees) booked through cititravel.com, once per calendar year.
- $100Up to $100 Annual Hotel Benefit
Up to $100 Annual Hotel Benefit: once per calendar year, $100 off a single hotel stay of $500 or more (excluding taxes and fees) booked through cititravel.com or 1-833-737-1288; credit applies instantly at booking; calendar-year reset means the benefit can be used twice across the first ~13 months of holding the card
Perks & memberships
3- Authorized users$95 annual fee, not waived the first year; authorized users are free and any spend by authorized users earns ThankYou Points to the primary cardholder's balance
- No foreign feesNo foreign transaction fees on purchases made outside the United States (purchases are converted at the Mastercard wholesale exchange rate)
- ExperiencesCiti Entertainment: presale and exclusive access to concerts, sporting events, dining experiences, and curated events through Citi's entertainment platform
Travel & purchase protections
7- Up to $1,000 Worldwide Car Rental Insurance (Mastercard MasterRental collision damage waiver): when the full rental is reserved and paid with the card and the renter declines the rental company's CDW, coverage reimburses for collision, theft, vandalism, and overturn damage to the rental vehicle, with up to $1,000 of repair / replacement reimbursement per the Citi product page
- Trip Cancellation and Trip Interruption coverage: reimburses pre-paid, non-refundable common-carrier travel expenses charged to the card when a covered trip is canceled or cut short for a covered reason (covered illness, injury, severe weather, jury duty, military orders, and other listed reasons), per the Mastercard World Elite Guide to Benefits cited on the Citi Strata Premier benefits page
- Trip Delay protection: reimburses reasonable additional expenses (meals, lodging, toiletries) when a common-carrier trip is delayed by a covered reason, per the Citi Strata Premier benefits page
- Lost or Damaged Luggage coverage: reimburses for checked or carry-on luggage and contents lost or damaged by a common carrier, secondary to the carrier's reimbursement, per the Citi Strata Premier benefits page
- $0 Fraud Liability for unauthorized charges: Citi will not hold the cardmember responsible for charges that are not made by them or by anyone authorized by them on the account
- Citi Identity Theft Protection: complimentary identity theft solutions and assistance restoring identity if cardmembers are victims, included with the Citi Strata Premier
- Mastercard World Elite network benefits: card is issued on the Mastercard World Elite tier, which includes Mastercard ID Theft Protection, Mastercard Travel Rewards in 25 countries, and Mastercard Global Emergency Services (cash and card replacement assistance)
Before you decide, weigh alternatives
Lower-fee cards in the same category. A cheaper card can be the better fit if you will not use enough perks to earn back a bigger fee.
How we verified this card (5 sources)ShowHide
Sources last reviewed May 2026.
Spotted something off? Report an issue. Read our verification methodology.
Transfer Partners
Full guide →Citi ThankYou points transfer to these loyalty programs. Or start from your balance and see what a points balance can book:
See the Current Offer
We could not verify the current bonus. See it on Citi's page.
View OfferAffiliate link, we may earn a commission. Terms, rates, and sign-up bonuses are set by the issuer and can change. See the issuer site and our advertiser disclosure.
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