Citi Strata Premier
$95/year, earning Citi ThankYou Points, on the Mastercard network.
Card terms last verified against issuer pages on 2026-09-20.
The Citi Strata Premier is a $95/year card from Citi earning Citi ThankYou Points. It earns 10x on travel(cititravel), 3x on airlines, 3x on hotels and 1x on everything else. We have no recurring statement credits on file for this card.
What it earns
Rates are the multipliers Citi advertises. We do not convert them into a percentage return, because that requires putting a price on Citi ThankYou Points and that price is a judgement, not a fact — see how we source this.
| Category | Rate | Notes |
|---|---|---|
| Travel(CitiTravel) | 10x | Booked through the Citi travel portal |
| Airlines | 3x | |
| Hotels | 3x | |
| Dining | 3x | |
| Grocery | 3x | |
| Gas | 3x | |
| EV Charging | 3x | Booked through the Citi travel portal |
| Other | 1x | Everything else |
Other perks
Benefits that are not dollar statement credits — certificates, lounge visits, point bonuses. Where a value appears it is an estimate, not an amount the issuer credits you, and it is excluded from the credits total above.
| Perk | How often | Estimated value |
|---|---|---|
| Annual Hotel Benefit$100 off a single hotel stay of $500 or more when booked through Citi Travel once per calendar year | Once a year | ~$100 |
Protections and insurance
Coverage terms below are summaries. Insurance benefits are governed by a separate guide to benefits document from the issuer, and the exclusions in that document are what actually decide a claim.
- MasterRental Coverage — Secondary car rental collision damage coverage
- Trip Cancellation/Interruption Insurance — Coverage for trip cancellation and interruption due to covered reasons
- Trip Delay Insurance — Coverage for additional expenses due to trip delays
- Lost or Damaged Luggage Insurance — Coverage for lost or damaged luggage during travel
Questions people ask about the Citi Strata Premier
What is the annual fee on the Citi Strata Premier?
The Citi Strata Premier has a $95 annual fee.
What does the Citi Strata Premier earn?
3x on airlines, 3x on hotels, 3x on dining, 3x on grocery, and 1x on everything else, in Citi ThankYou Points.
Does the Citi Strata Premier charge foreign transaction fees?
No — the Citi Strata Premier has no foreign transaction fee.
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