The Citi Strata Premier, at $95, earns 10x on hotels, car rentals, and attractions booked through Citi Travel, 3x on air, other hotels, restaurants, supermarkets, gas, and EV charging, and gives a $100 annual hotel credit plus access to Citi transfer partners. Figures are as of 2026; confirm current terms and welcome offers at the issuer.
What the Citi Strata Premier earns
| Category | Rate |
|---|---|
| Hotels, car rentals, and attractions via Citi Travel | 10x points |
| Air travel and other hotels | 3x points |
| Restaurants, supermarkets, gas, and EV charging | 3x points |
| Everything else | 1x points |
The credits and perks
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The Strata Premier gives a $100 annual hotel credit on a single stay of $500 or more booked through Citi Travel, and no foreign transaction fees. Its real value is access to Citi transfer partners, including airlines and hotels that mostly transfer at 1 to 1, which turns everyday spending into travel worth well above 1 cent per point. The bonus timing is in the Citi 48 month rule guide.
The fee math
The $95 fee is easy to justify: the $100 annual hotel credit alone can cover it, before counting the broad 3x categories and transfer partners. If you will not use the hotel credit or transfers, a no-fee card may fit better. Confirm the current credit terms at the issuer.
Citi Strata Premier
Earn rates, credits, and the fee are current as of 2026. Confirm the current welcome offer at the issuer before you apply.
Who it fits and who it does not
The Strata Premier fits people who spend across dining, groceries, and gas and want transferable points for a low fee. It does not fit someone who only wants simple cash back, who is better served by a no-fee card.
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FAQ
Is the Citi Strata Premier worth the $95 fee?
For most travelers yes: the $100 annual hotel credit can cover the fee, and the broad 3x categories plus Citi transfer partners add value beyond it. Confirm current terms at Citi.
What are the Citi Strata Premier transfer partners?
The card opens access to Citi transfer partners, a set of airline and hotel programs that mostly transfer at 1 to 1, including several major airlines. Confirm the current partner list and ratios at Citi.
Does the Citi Strata Premier count toward Chase 5/24?
Yes. The Strata Premier is a personal card, so it adds 1 to your Chase 5/24 count for 24 months even though Citi issues it. Citi runs its own bonus rule as well: since about September 20, 2026, the Strata Premier terms exclude anyone who currently has or previously had a Strata Premier or the old Citi Premier.
Last reviewed October 2026. We verify every rule, ratio, and figure against issuer terms and current reporting, and date each one. See our editorial standards for how we research and correct guides.
We re-check these guides as issuer rules and award charts change. 2 ways to follow along, no account needed.