Travel Rewards card review
Citi Strata Premier® Card
A wide set of 3x categories for $95, including supermarkets and gas, which most travel cards leave out.
Open to new applicantsPartly verified
At a glance
Annual fee$95
Welcome offer60,000 ThankYou points$4,000 in 3 months
IssuerCiti
Rewards programCiti ThankYou
Foreign transaction feeNone
Welcome offer
60,000 ThankYou points after $4,000 of spending within 3 months.
Citi now limits Strata welcome bonuses to once per lifetime per product.
Earning rates
| Rate | On | Cap or condition |
|---|---|---|
| 10x | Select purchases through Citi Travel | No cap stated |
| 3x | Air travel and hotels | No cap stated |
| 3x | Restaurants | No cap stated |
| 3x | Supermarkets | No cap stated |
| 3x | Gas and EV charging | No cap stated |
| 1x | Everything else | No cap stated |
Benefits and credits
- $100 annual hotel credit On a single hotel stay of $500 or more booked through Citi Travel, excluding taxes and fees.
- No foreign transaction fees
- Transfer partners ThankYou points transfer to Citi's airline and hotel partners.
Restrictions worth knowing
- Welcome bonus is once per lifetime on this product.
- The hotel credit requires a single qualifying booking through Citi Travel, not $100 spread across stays.
How to use it well
- The combination of supermarkets, gas, dining, hotels and air travel at 3x covers more everyday spending than most $95 travel cards.
- There is a live Citi ThankYou to Cathay Pacific transfer bonus running to 14 November 2026 for Strata cardholders.
- If you want lounge access and larger credits, compare the Strata Elite at $595 before renewing.
Sources and freshness
What we checked: Fee, offer, rates and hotel credit from One Mile at a Time, read 2 November 2026. Citi's own listing page confirms the card is open but did not render fee or offer amounts during this build.
- One Mile at a Time: Citi Strata card bonuses compared — read November 2, 2026
- Citi: view all credit cards — read November 2, 2026
Last updated: November 2, 2026.
Other Citi cards
- Citi Double Cash® Card — $0, open to new applicants
- Citi Custom Cash® Card — $0, closed to new applicants
- Citi Strata Elite℠ Card — $595, open to new applicants