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Citi Mastercard

Citi Strata Premier Card

The Citi Strata Premier is Citi's mid-tier transferable-points travel card, and at $95 a year it leans on a broad 3x earning structure rather than perks. You get 3x points across air travel, other hotels, restaurants, supermarkets, and gas and EV charging, plus 10x on hotels, car rentals, and attractions booked through Citi's own travel portal, which is a strong everyday spread for a card at this fee. The $100 annual hotel benefit covers the fee outright if you book a single $500 stay through cititravel.com once a year, so the practical question is whether you will route a qualifying hotel booking through Citi's portal to claim it.

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Citi Strata Premier Card card art
  • Annual fee
    $95
    $7.92/mo equivalent
  • Welcome offer
    60,000 points
    ≈$900 at our valuation
    after $4,000 in 3 months
  • Recommended credit
    720-800
    Median 750. See why →

Earning rates

on Citi ThankYou Points
  • 10x
    Travel
    Citi Travel portal only
    via portal
  • 3x
    Dining
  • 3x
    Gas
    Gas + EV charging
  • 3x
    Groceries
  • 3x
    Travel
    Air travel + other hotels
  • 1x
    Other
  • 1x
    Everything else

Benefits and credits

Travel credits and perks

  • $100 Annual Hotel Benefit
    $100/year

Travel and purchase coverage

  • Lost luggage
    Secondary coverage
  • Rental car collision damage waiver
    Secondary coverage
  • Trip cancellation and interruption
    Secondary coverage
  • Trip delay reimbursement
    Secondary coverage

Pricing and fees

Full Pricing and Terms
Purchase APR
19.49% to 27.49%
Foreign tx
None
Penalty APR (cap)
29.99%
Balance transfer
19.49% to 27.49%
Fee $5 or 5.00%, whichever is greater
Cash advance
29.74%
Fee $10 or 5.00%, whichever is greater
Late / returned
Not disclosed · Not disclosed

Eligibility and application

  • Card type
    Unsecured personal card
  • Pre-qualification
    Soft-pull pre-qualification available
  • Application inquiry
    Hard credit inquiry on submission
  • Approval bureau
    Not disclosed by issuer
  • Authorized user fee
    Free
  • Reports AU to bureaus
    Yes
    Reports authorized user activity to the credit bureaus.
    Issuer policy

How the recommended credit score is derived

Reported by users, not disclosed by the issuer. Synthesized from community-reported approval data points and cross-checked against industry editorial guidance for consensus.

6 data points reviewed

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Sources

Data current as of June 4, 2026 Report an inaccuracy

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Not financial advice

ccdeck is not a financial advisor. Information here is for educational purposes only. Confirm card terms with the issuer before applying.