Citi Strata Premier

Earn a one-time bonus of ThankYou Points when you meet the spending threshold. Use your card for everyday purchases to hit the minimum spend. You must spend $4,000 within the first 3 months of account opening to qualify.

Earn 10 ThankYou Points per dollar on hotels, car rentals, and attractions when you book through the Citi Travel portal. This is the card's top earning rate, but note that portal bookings may not count toward hotel loyalty points or status.

Earn 3 ThankYou Points per dollar at restaurants worldwide. Pay with your card at eligible dining establishments and points are added automatically. Applies broadly to restaurant purchases, including takeout and delivery billed by the restaurant.

Earn 3 ThankYou Points per dollar on flights and hotel stays booked directly with airlines or hotels. Reservations made through third-party booking sites or online travel agencies may not earn the 3x rate.

Earn 3 ThankYou Points per dollar on supermarket and grocery store purchases with no spending cap on the bonus. Note that warehouse clubs and superstores may not qualify for the elevated rate.

Earn 3 ThankYou Points per dollar at gas stations and EV charging stations. The bonus rate applies automatically each time you pay with your card at an eligible location — no sign-up or activation required.

Earn 1 ThankYou Point per dollar on every purchase that doesn't fall into a higher-earning category. Points post automatically with no cap on how much you can earn. This is the base earn rate that applies to all other eligible spending.

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.

Book a stay at a participating Reserve hotel through Citi's travel portal and receive perks such as breakfast for two, complimentary Wi-Fi, a $100 experience credit, and room upgrades or late checkout when available. These benefits require booking through the portal and do not apply to direct reservations.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.