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Citi

Strata Premier

Annual fee
$0
Network
mastercard
Type
personal

It earns Citi ThankYou® Points, with elevated rewards in categories including air travel, hotels, gas stations, EV charging, supermarkets, and dining.

Citi Strata Premier

Heads up: Rates, fees, and welcome offers below are pulled directly from the issuer and refreshed continuously. Confirm final terms on the issuer site before applying.

Perqt Analysis

Three ways to value this card. Only one of them is yours.

01Published
$100

What the issuer advertises.

02Realistic
$0

Pays out with no hoops.

03Yours
Open your wallet

From your real spend and redemptions.

$100 of the advertised value — 100% — comes with strings attached.

Why Perqt says this
  • $100 advertised across 1 benefits.
  • $100 (100%) needs a booking, enrollment, or deadline.
  • Biggest credit — $100 Annual Hotel Benefit, $100 — only via Citi Travel.
Better fit if
  • You book travel through Citi Travel.
  • 10× on car rentals matches your spend.
Probably not if
  • You book direct, not via Citi Travel.

Welcome offer

Earn 60,000 bonus points after spending $4,000 in the first 3 months of account opening.

Est. value
$600
Minimum spend
$4,000
Within
3 mo

Earning rates

  • All other purchases
    1×
    pts
    Citi ThankYou Rewards
  • Top earn
    Car rentals
    booked through Citi Travel
    10×
    pts
    Citi ThankYou Rewards · Citi Travel
  • Top earn
    Attractions
    booked through Citi Travel
    10×
    pts
    Citi ThankYou Rewards · Citi Travel
  • Top earn
    Hotels
    booked through Citi Travel
    10×
    pts
    Citi ThankYou Rewards · Citi Travel
  • Hotels
    other hotels not booked through Citi Travel
    3×
    pts
    Citi ThankYou Rewards
  • Restaurants
    3×
    pts
    Citi ThankYou Rewards
  • Supermarkets
    3×
    pts
    Citi ThankYou Rewards
  • Gas stations
    3×
    pts
    Citi ThankYou Rewards
  • EV charging stations
    3×
    pts
    Citi ThankYou Rewards
  • Air travel
    3×
    pts
    Citi ThankYou Rewards

On-card benefits & credits

  • $100 Annual Hotel Benefit
    $100
    /Annual

    Once per calendar year, receive $100 off one hotel stay costing at least $500 before taxes and fees. The primary cardmember must book through Citi Travel and prepay the full stay with the card, ThankYou Points, or both.

  • Trip Delay Protection
    $0
    /Annual

    Provides protection for qualifying trip delays. The provided sources do not state a reimbursement ceiling.

  • Lost or Damaged Luggage Protection
    $0
    /Annual

    Provides insurance for qualifying lost or damaged luggage. The provided sources do not state a reimbursement ceiling.

  • MasterRental Coverage
    $0
    /Annual

    Provides car-rental insurance through MasterRental Coverage. The provided sources do not state a reimbursement ceiling.

  • The Reserve by Citi Travel Hotel Benefits
    $0
    /Annual

    Access The Reserve by Citi Travel, a collection of 4.5- and 5-star hotels and resorts offering daily breakfast for two, a $100 experience credit, and availability-based upgrades and timing benefits.

  • Trip Cancellation and Interruption Protection
    $0
    /Annual

    Provides travel insurance for qualifying common-carrier trip cancellations and interruptions. The provided sources do not state a reimbursement ceiling.

  • No Authorized User Fee
    $0
    /Annual

    Authorized users can be added to the account without an additional authorized-user fee.

  • No Foreign Transaction Fees
    $0
    /Annual

    The card charges no foreign transaction fee on foreign purchases.

  • Citi Entertainment Access
    $0
    /Annual

    Citi Entertainment provides special access to purchase tickets, including presales and exclusive experiences for concerts, sports, arts, and cultural events.

  • ThankYou Points Transfers
    $0
    /Annual

    ThankYou Points can be transferred to participating airline and hotel loyalty programs; the product page states a 1,000-point minimum transfer.

  • $0 Liability on Unauthorized Purchases
    $0
    /Annual

    Cardholders have $0 liability for unauthorized purchases, as documented by Citi's benefits page.

Other Citi cards

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