Citi
Citi Strata Premier Benefits, Credits & Annual Fee
$95 / yr · Earns ThankYou Points
A $95-per-year travel rewards card that earns 3x ThankYou Points on dining, groceries, gas, and travel, plus 10x when booking through Citi Travel. Best for everyday spenders who want flexible points and occasional travel perks.
- 10xTravel
- 3xDining
- 3xGroceries
- $100Hotel Benefit
$100/yr in credits · $95 annual fee
Maintained by Creddy Editorial · Catalog checked Sep 30, 2026
Citi Strata Premier at a Glance: $95 Annual Fee, Issuer and Rewards
- Annual fee:
- $95 / yr
- Issuer:
- Citi
- Rewards:
- ThankYou Points
- Credits:
- 1 recurring, up to $100 a year
Citi Strata Premier Earning Rates
| Category | Rate | Notes |
|---|---|---|
| Travel general | 10x | Portal bookings only |
| Hotels | 3x | |
| Groceries | 3x | |
| Gas | 3x | |
| Dining | 3x | |
| Flights | 3x | |
| Everything else | 1x |
Who Should Get the Citi Strata Premier?
The Citi Strata Premier fits people who spend most on hotels (3x) and groceries (3x). Its $95 annual fee makes sense if the $100 a year in credits Creddy lists, plus what you earn, covers it with credits you would use anyway.
Is the Citi Strata Premier Worth the $95 Annual Fee?
The Citi Strata Premier costs $95 a year. Creddy lists 1 trackable credit worth up to $100 a year if you use it, $5 more than the fee. You break even once you use about 95% of that credit value, so count only the credits you would use anyway.
Check enrollment requirements, merchant restrictions, reset timing and the issuer's current terms before applying.
Citi Strata Premier Welcome Bonus
60,000 ThankYou bonus points
Offer history
- Usual
- 60K points
- Highest seen
- 60K points
Tracked since Apr 2025
Citi Strata Premier Statement Credits and When They Reset
- Annual Hotel Benefit$100 / yrTrackableMin charge $500
Once per calendar year, get $100 off a hotel stay booked through CitiTravel.com or by calling Citi Travel. The stay must cost at least $500 before taxes and fees, and the discount is applied instantly at the time of booking.
Resets: Calendar yearChecked May 22, 2026
Citi Strata Premier Travel Benefits
Travel Benefits
- Reserve Hotels Exclusive Perks$100 / yr
Get a $100 experience credit on eligible The Reserve hotel stays. The hotel provides it directly as a credit or gift card and determines what it covers. Ask the hotel how to use it during your stay.
Checked Sep 30, 2026 - ThankYou Points Transfer to Airline and Hotel Partners
Move your ThankYou Points directly to airline and hotel loyalty programs, including JetBlue, Virgin Atlantic, Cathay Pacific, Eva Air, Choice Hotels, and The Leading Hotels of the World. Transfers carry no fee and the minimum transfer amount is 1,000 points.
Checked May 22, 2026 - Citi Travel Booking With Points
Use ThankYou Points to book flights, hotels, car rentals and attractions through Citi Travel. At checkout, pay with points, an eligible Citi card or a combination of both. Available booking options depend on what Citi Travel offers.
Checked Sep 30, 2026 - Hotel Collection Complimentary Wi-Fi
Get complimentary Wi-Fi when staying at a Hotel Collection rate. Ask the hotel for connection details at check-in. At select hotels, Wi-Fi is included in a mandatory daily resort fee or is not available.
Checked Sep 30, 2026 - Hotel Collection Daily Breakfast for Two
Get daily breakfast for two when staying at a Hotel Collection rate. The hotel may serve breakfast directly or provide a gift card or credit for it. Ask the hotel how breakfast is provided during your stay.
Checked Sep 30, 2026 - Hotel Collection Early Check-In
Request early check-in on an eligible Hotel Collection stay. Ask the hotel when you arrive whether your room is ready before standard check-in time. Early check-in is determined at check-in and depends on availability.
Checked Sep 30, 2026 - Hotel Collection Late Check-Out
Request late check-out on an eligible Hotel Collection stay. Ask the hotel at check-in whether you can leave after the standard check-out time. Late check-out is determined at check-in and depends on availability.
Checked Sep 30, 2026
Rental Car
- MasterRental Coverage for Car Rentals
Mastercard's MasterRental program covers collision damage and theft on rental vehicles when you charge the full rental to your Strata Premier card and decline the rental company's collision damage waiver. Review your benefits guide for excluded vehicle types and any geographic restrictions.
Checked May 22, 2026
Travel Insurance
- Trip Delay Protection
Get reimbursement for covered expenses - like meals or lodging - if your trip is delayed. Your card also covers trip cancellation and interruption, lost or damaged luggage, and car rental damage through MasterRental Coverage. Charge your travel to the card to activate these protections.
Checked May 22, 2026 - Travel Insurance (Trip Disruptions, Luggage, Car Rentals)
Paying for eligible travel with this card activates built-in protections covering trip cancellations and interruptions, delayed or lost luggage, and damage or theft on rental cars. Check your card's benefits guide for coverage limits and any exclusions.
Checked May 22, 2026 - Trip Cancellation and Interruption Protection
If a covered event like illness or severe weather forces you to cancel or cut a trip short, this benefit can reimburse non-refundable prepaid costs. Charge your travel to your Strata Premier card to activate coverage, and review your benefits guide for qualifying reasons and reimbursement limits.
Checked May 22, 2026 - Lost or Damaged Luggage Protection
If your luggage is lost or damaged while traveling, this benefit can help cover repair or replacement costs. Pay for your trip with your Strata Premier card to activate coverage, and consult your card's benefits guide for applicable limits.
Checked May 22, 2026
More Citi Strata Premier Card Benefits
Bonus Earnings
- 10X Earnings on Hotels, Car Rentals, and Attractions via Citi Travel10x points
Earn 10 ThankYou points per dollar spent on hotels, car rentals, and attractions booked on cititravel.com.
Checked Sep 14, 2026 - 3x Points at Restaurants3x points
Earn 3 ThankYou points per dollar spent at restaurants.
Checked Sep 14, 2026 - 3x Points on Air Travel and Hotels Booked Directly3x points
Earn 3 ThankYou points per dollar spent on air travel and other hotel purchases.
Checked Sep 30, 2026 - 3X Earnings on Grocery3x points
Earn 3 ThankYou points per dollar spent at supermarkets.
Checked Sep 14, 2026 - 3X Earnings on Gas and EV Charging3x points
Earn 3 ThankYou points per dollar spent on gas and EV charging stations.
Checked Sep 14, 2026 - 1X Points on All Other Purchases1x points
Earn 1 ThankYou point per dollar spent on all other purchases.
Checked Sep 14, 2026
Fees & Miscellaneous
- Citi Entertainment Access
Get early and special access to purchase tickets for concerts, sporting events, and arts and culture experiences. Log in to your Citi account to browse eligible events and buy presale or exclusive tickets before they go on general sale.
Checked May 22, 2026 - Free FICO Score Access
View your FICO Score for free through your online Citi account anytime. Checking your score here does not affect your credit. Use it to track changes to your credit history over time.
Checked May 22, 2026 - Gift Card Redemptions
Redeem ThankYou Points for gift cards from participating retailers. Browse available gift cards in your ThankYou rewards account and use points to place an order. Retailer selection and required point amounts may vary.
Checked Sep 30, 2026 - Mastercard ID Theft Protection
Mastercard monitors the personal information you choose to enroll and alerts you if suspicious activity is detected. Enroll through the Mastercard ID Theft Protection program to set up monitoring. Coverage is complimentary for cardholders but requires active enrollment to work.
Checked May 22, 2026 - No Foreign Transaction Fees
There are no added fees when you use this card for purchases outside the U.S. or on international websites. Many cards charge around 3% on such transactions, so this benefit saves you money every time you spend abroad.
Checked May 22, 2026 - No-Fee Authorized Users
Add authorized users to your Citi Strata Premier account at no additional cost. Request an authorized-user card through your account so they can make purchases that earn points. You remain responsible for charges they make.
Checked Sep 30, 2026
Citi Strata Premier vs Other Citi Cards
- AAdvantage Platinum Select World Elite$99 / yr (waived year 1)
- AAdvantage MileUpNo annual fee
- AT&T Points PlusNo annual fee
- Citi Diamond PreferredNo annual fee
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Citi Strata Premier FAQs
Is the Citi Strata Premier worth the annual fee?
Compare Citi Strata Premier's current annual fee with rewards and benefits you would actually use. Count credits at what they save you after eligibility, enrollment and extra spending costs, then compare the result with lower-fee alternatives. Include interest and other charges if you carry a balance.
Which benefits does Creddy list for Citi Strata Premier?
Creddy's September 26, 2026 catalog lists Annual Hotel Benefit for Citi Strata Premier. Review the benefits and earning-rate tables for the conditions; confirm current coverage, enrollment and restrictions with Citi. This is a dated catalog summary, not certification that every listed benefit is currently available on your account.
What is the annual fee for the Citi Strata Premier?
Creddy's catalog lists a $95 annual fee for Citi Strata Premier as checked on September 26, 2026. Confirm current pricing and any additional-card fees with Citi before applying or renewing.
Does the Citi Strata Premier come with a welcome bonus?
Welcome offers for Citi Strata Premier can change and may depend on your application or account history. Check Citi's current offer for the bonus amount, eligible spending, deadline and exclusions; a catalog entry does not guarantee an offer or your eligibility.
Who should get the Citi Strata Premier?
Citi Strata Premier may fit someone whose normal spending matches its eligible earning categories and who can use the benefits shown above. Compare the current fee, purchase restrictions and realistic redemption value with other cards before applying.
How does the Citi Strata Premier compare to other Citi cards?
Compare Citi Strata Premier with other Citi cards using annual fees, eligible earning rates and the benefits you would use. The card tables and issuer catalog help you compare conditions; headline multipliers alone do not establish the better card.