4.3 / 5 \u00b7 Bonus Eagle score
Citi
Strata Premier
Welcome bonus
75,000ThankYou
Annual fee
$95
Purchase APR
21.24% – 29.24%
Credit needed
Good (670+)
on Citi's secure site
The bottom line
The Strata Premier is Citi's answer to the Sapphire Preferred — and it's actually competitive on category multipliers. The 3x on gas, groceries, AND dining is broader than what Chase offers at the same fee tier.
At a glance
Pros and cons.
Pros
- Strong 3x categories cover everyday spend
- $100 annual hotel benefit
- Transfer partners include Wyndham, Choice, Air France
- No foreign transaction fees
Cons
- Citi's transfer partners are weaker than Chase/Amex
- ThankYou Points have been steadily devalued
The editorial review
Our take on this card.
The Strata Premier is Citi's answer to the Sapphire Preferred — and it's actually competitive on category multipliers. The 3x on gas, groceries, AND dining is broader than what Chase offers at the same fee tier. The weakness is the transfer partners: still useful, but not best-in-class.
How you earn
Rewards by category.
Hotels, cars, attractions via CitiTravel
10x
Air travel, hotels, dining, groceries, gas
3x
All other purchases
1x
Rates and fees
The full disclosure.
All rates and fees current as of publication. Verify against the issuer's official Terms and Conditions before applying.
Annual fee
$95
Purchase APR
21.24% – 29.24%
Foreign transaction fee
None
Frequently asked
Questions readers ask.
For many users, yes. The Strata Premier has the same $95 fee, a comparable 75,000-point welcome bonus, and bonus categories that earn well on supermarkets, gas, dining, and air travel. Citi's transfer partner program (Wyndham, Choice Hotels, etc.) is more limited than Chase's but includes some valuable options.
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