Credit card

Citi Strata Premier® Card

Points

MASTERCARD

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Card review

Citi Strata Premier® Card

4.6 9.2/10 DebitCue Score Verified Jun 20, 2026

Travel rewards and everyday earning for $95 a year.

Fee: $95 USD/yr
Purchase APR: 19.49% - 27.49%
Interest-free: -
Foreign fee: None

Rewards

10X ThankYou Points on hotels and car rentals via Citi Travel; 3X on air travel, dining, groceries, and gas/EV charging; 1X on all other purchases.

Welcome offer

60,000 ThankYou Points (worth $600) after spending $4,000 in the first 3 months.

Our verdict

What stands out, and where it falls short.

What we like

10X ThankYou Points on hotels and car rentals via…
Welcome bonus
No foreign transaction fees
Travel insurance included
Pay in installments

Worth weighing

$95 USD/yr card fee

Who It Is For

Whether the Citi Strata Premier® Card fits how you actually spend.

Pick it if you are

Frequent travelers
People who want rewards on their spending
People who pay big purchases off over time

Skip it if you are

Light spenders who won't beat the $95 USD/yr fee

Rates and fees

As of June 20, 2026

All amounts shown in USD.

Card fee: $95 USD/yr
Purchase APR: 19.49% - 27.49%
Interest-free period: -
Foreign transaction fee: None
Purchase APR: 19.49%–27.49% variable
Annual Fee: $95

Rewards and features

Rewards: 10X ThankYou Points on hotels and car rentals via Citi Travel; 3X on air travel, dining, groceries, and gas/EV charging; 1X on all other purchases.
Welcome offer: 60,000 ThankYou Points (worth $600) after spending $4,000 in the first 3 months.
Installments: Citi Flex Pay available
Pay with: Apple Pay, Google Pay, Contactless, Virtual card
Transfer Partners: 14+ airline and hotel loyalty program partners at 1:1 ratio
Hotel Benefit: $100 annual credit for 2+ night hotel bookings via Citi Travel

Benefits and perks

Extras that come bundled with the card.

Trip Cancellation & Interruption

Up to $5,000 per covered person per trip; $10,000 annual cap.
Trip Delay Protection

Up to $500 for meals and lodging after a 6+ hour flight delay.
Lost Baggage Insurance

Up to $3,000 per claim for lost or stolen baggage on commercial carriers.
Rental Car Coverage

Secondary collision damage waiver (MasterRental) for rental periods up to 31 days.
Extended Warranty

Doubles original manufacturer or store warranty by up to 24 months.
$100 Annual Hotel Benefit

Up to $100 statement credit on hotel stays of 2+ nights booked through Citi Travel.
No Foreign Transaction Fee

No foreign transaction fees on international purchases.

Citi Strata Premier® Card: your questions answered

How much does the Citi Strata Premier® Card cost?

The Citi Strata Premier® Card costs $95 USD/yr.

What rewards does the Citi Strata Premier® Card earn?

The Citi Strata Premier® Card earns 10X ThankYou Points on hotels and car rentals via Citi Travel; 3X on air travel, dining, groceries, and gas/EV charging; 1X on all other purchases..

Does the Citi Strata Premier® Card charge foreign transaction fees?

No - the Citi Strata Premier® Card has no foreign transaction fees, so it suits spending abroad.

What is the interest rate on the Citi Strata Premier® Card?

The Citi Strata Premier® Card has a purchase APR of 19.49% - 27.49%.

Does the Citi Strata Premier® Card have a welcome offer?

Yes - 60,000 ThankYou Points (worth $600) after spending $4,000 in the first 3 months..

Can I pay in installments with the Citi Strata Premier® Card?

Yes - Citi Flex Pay available.

Is the Citi Strata Premier® Card a credit, debit or prepaid card?

The Citi Strata Premier® Card is a credit card issued by Citi on the Mastercard network.

Does the Citi Strata Premier® Card support Apple Pay and Google Pay?

Yes - the Citi Strata Premier® Card works with both Apple Pay and Google Pay.