4.4 / 5 \u00b7 Bonus Eagle score
Citi
Citi Strata Premier® Card
Welcome bonus
60,000Points
after $4,000 in 3 mo
Annual fee
$95
Purchase APR
20.24% – 28.24%
Credit needed
Good to Excellent (690–850)
on Citi's secure site
The bottom line
The Strata Premier (the refreshed Citi Premier) is one of the most underrated mid-tier travel cards. Its trick is breadth: 3x on air travel, hotels, restaurants, supermarkets, gas, and EV charging means a single card covers most households' bonus spending — including groceries and fuel, which many travel cards ignore.
At a glance
Pros and cons.
Pros
- 3x across six broad everyday categories, including groceries and gas
- Transferable ThankYou points to 18+ airline and hotel partners
- Annual $100 hotel credit can cover the fee
- No foreign transaction fee
- Strong value for a $95 card
Cons
- No lounge access or premium travel perks
- The $100 hotel credit requires a $500+ Citi Travel booking
- Transfer partner list is solid but less deep than Chase or Amex
- Fee applies immediately with no intro APR
The editorial review
Our take on this card.
The Strata Premier (the refreshed Citi Premier) is one of the most underrated mid-tier travel cards. Its trick is breadth: 3x on air travel, hotels, restaurants, supermarkets, gas, and EV charging means a single card covers most households' bonus spending — including groceries and fuel, which many travel cards ignore. The points are transferable ThankYou points, so the ceiling is higher than fixed cash-back cards, and the once-a-year $100 hotel credit (on a $500+ Citi Travel stay) can wipe out the fee for anyone who travels at all. The honest trade-offs: there's no lounge access or premium polish, the hotel credit has a minimum-spend hoop, and Citi's transfer partners, while good, are less deep than Chase's or Amex's. But for pure everyday earning at $95, it quietly competes with — and sometimes beats — the better-marketed names.
How you earn
Rewards by category.
Hotels, car rentals & attractions via CitiTravel.com
10x
Air travel
3x
Hotels
3x
Restaurants
3x
Supermarkets
3x
Gas stations & EV charging
3x
Everything else
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
20.24% – 28.24%
Balance transfer APR
20.24% – 28.24%
Cash advance APR
29.99%
Penalty APR
29.99%
Foreign transaction fee
None
Balance transfer fee
5% of each transfer ($5 minimum); verify on issuer page
Late payment fee
Up to $41
Cash advance fee
5% or $10, whichever is greater (verify on issuer page)
Frequently asked
Questions readers ask.
What's the standout feature?
3x on six broad categories including groceries and gas — unusually wide for a $95 card.
Do the points transfer?
Yes, ThankYou points transfer to 18+ airline and hotel partners.
Can I offset the fee?
Yes — a once-a-year $100 hotel credit on a $500+ Citi Travel booking nearly covers it.
Is there a foreign transaction fee?
No.
Is this the old Citi Premier?
Yes — it was rebranded and refreshed as the Strata Premier.
