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Citi · credit
Last updated
Typically needs good credit (guideline, not a guarantee)
Is the Citi Strata Premier worth keeping when the fee hits? →
Welcome offer — 60,000 bonus points after $4,000 spend in 3 months Verified by source
Portal caveat — Citi Travel averages ~14.59% above booking direct; portal redemptions are worth less than the headline rate.
Recently changed — 2 updates. See below ↓
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What this card delivers across six value dimensions (0–100, normalized).
| 10× | Hotels, cars & attractions via Citi Travel Verified by source |
|---|---|
| 3× | Air travel & other hotels Verified by source |
| 3× | Restaurants Verified by source |
| 3× | Supermarkets Verified by source |
| 3× | Gas & EV charging stations Verified by source |
| 1× | Everything else Inferred by source |
Citi ThankYou points transfer to these loyalty programs. Premium cards transfer 1:1. Inferred by source
| Airlines (14) | |
|---|---|
| Hotels (3) |
| Annual hotel benefit | $100/yr · annual Verified by source |
|---|
No lounge access.
| Rental car CDW | Secondary (MasterRental Coverage) up to actual cash value of rental vehicle; max 31 consecutive days; must decline rental company CDW Inferred by source |
|---|---|
| Trip cancellation | Up to $5,000/traveler per trip, max $10,000/account per 12-month period; covers non-refundable costs for injury, death, or sickness Inferred by source |
| Trip delay | Up to $500/traveler for delays exceeding 6 hours; covers meals, lodging, toiletries; max 2 claims per account per 12-month period Inferred by source |
| Baggage | Up to $3,000/trip for lost, stolen, or damaged luggage; max 2 claims per account per 12-month period; NY residents limited to $2,000/bag Inferred by source |
| Purchase protection | Up to $10,000/incident, $50,000/account/year against damage or theft for 90 days from purchase Inferred by source |
| Extended warranty | Adds 24 months to manufacturer's or store warranty (original warranty ≤5 years); max $10,000/item Inferred by source |
Live figures above reflect what's true today; announced changes are flagged, not pre-applied. See all recent changes →
*Realized/net assume full use of non-spend-gated credits — an upper bound. Personalize it
The Citi Strata Premier® Card has a $95 annual fee.
Using its non-spend-gated credits fully, the Citi Strata Premier® Card returns about $100 in value against its $95 annual fee — a net of +$5 per year. It can pay for itself if you actually use the credits.
The Citi Strata Premier® Card earns 10x on hotels, cars & attractions via citi travel, 3x on air travel & other hotels, 3x on restaurants.
No — the Citi Strata Premier® Card does not include airport lounge access.
No — the Citi Strata Premier® Card has no foreign transaction fee, so it's a good card to use abroad.
60,000 bonus points after $4,000 spend in 3 months. Welcome offers change frequently — confirm the current one on the issuer's page before applying.
Yes. Most recent change (announced 2026-05-17): ThankYou point sharing between Citi accounts discontinued.