Citi Strata Premier Card review

Citi Strata Premier Card earns 3x in five everyday categories: air travel and other hotel purchases, restaurants, supermarkets, and gas and EV charging stations, with 10x on hotels, car rentals and attractions booked through cititravel.com. That makes it a strong fit for households whose biggest bills are groceries and fuel rather than flights. ThankYou points transfer to programs that Chase and Amex do not cover as well, including American Airlines AAdvantage, along with JetBlue, Virgin Atlantic, Cathay, EVA Air, Choice Hotels and The Leading Hotels of the World, with a 1,000-point minimum. The annual hotel benefit takes $100 off a single stay of $500 or more booked through Citi Travel, so it only pays off if you book that kind of stay. Travel protections cover trip cancellation and interruption, trip delay and lost or damaged luggage. There is no lounge access and no fee for authorized users.

Who it is for

Households with big grocery and gas bills

Price

$95 annual fee; 60,000 bonus points after $4,000 in purchases in the first 3 months.

Annual fee - $95. Fee for foreign purchases - None.
Quoted from the vendor pricing page on November 12, 2026.

Key features

• 10x points on hotels, car rentals and attractions booked on cititravel.com
• 3x points on air travel and other hotel purchases
• 3x points at restaurants, supermarkets, and gas and EV charging stations
• $100 off one hotel stay of $500 or more per calendar year through cititravel.com
• Points transfer to American Airlines, JetBlue, Virgin Atlantic, Cathay, EVA Air, Choice Hotels and others

Strengths and weaknesses

• Strength: No authorized user fee
• Strength: Minimum transfer is 1,000 points
• Strength: Trip cancellation, trip delay and lost luggage protection
• Weakness: The hotel benefit needs a single stay of $500 or more before taxes
• Weakness: No lounge access
• Weakness: Citi's card page does not publish a full partner count

Key facts

• Annual fee: $95
• Bonus categories: 3x on air, hotels, dining, supermarkets, gas and EV charging
• Hotel benefit: $100 off one $500+ stay per year
• Authorized user fee: None

Where it ranks

Citi Strata Premier Card is No. 4 in our Best Travel Credit Cards verdict.