Citi Strata Premier Card review

Strata Premier earns the most broad 3X categories of any $95 card on this list. Citi pays 3 points per dollar on air travel and other hotel purchases, restaurants, supermarkets, and gas and EV charging stations, 10 points on hotels, car rentals and attractions booked on cititravel.com and 1 point on everything else. New accounts can earn 60,000 bonus points after spending $4,000 in the first 3 months. Once per calendar year, the card takes $100 off a single hotel stay of $500 or more, before taxes and fees, booked through Citi Travel. ThankYou points can be booked on Citi Travel, used at merchants such as Amazon and PayPal, or transferred to partners that include American Airlines, JetBlue, Virgin Atlantic, Cathay, Eva Air and Choice Hotels. Citi lists no authorized user fee and no foreign transaction fees. The weak spots are the 1X base rate and the $500 minimum on the hotel benefit, and there is no lounge access.

Who it is for

Households that spend across groceries, dining and gas and want airline transfer partners.

Price

$95 annual fee.

$95 Annual Fee
Quoted from the vendor pricing page on November 8, 2026.

Key features

• 60,000 bonus points after spending $4,000 in the first 3 months
• 10X on hotels, car rentals and attractions booked on cititravel.com
• 3X on air travel and other hotels, restaurants, supermarkets, and gas and EV charging
• $100 off a single hotel stay of $500 or more once per calendar year through Citi Travel
• Points transfer to American Airlines, JetBlue, Virgin Atlantic, Cathay, Eva Air, Choice Hotels and others

Strengths and weaknesses

• Strength: 3X covers five everyday and travel categories
• Strength: Transfers to American Airlines and other airline programs
• Strength: No authorized user fee and no foreign transaction fees
• Weakness: The hotel benefit needs a single stay of $500 or more
• Weakness: No lounge access
• Weakness: Base earning on other purchases is 1X

Key facts

• Annual fee: $95
• Welcome bonus: 60,000 points after $4,000 in 3 months
• Hotel benefit: $100 off one $500+ stay per calendar year
• Variable APR: 19.74% to 27.74%
• Foreign transaction fee: None

Where it ranks

Citi Strata Premier Card is No. 4 in our Best Travel Credit Cards verdict.