Citi Strata Premier
60,000 points welcome · 10x on hotels & car rentals (via portal) · $95/yr
The Citi Strata Premier is one of the broadest 3x earners for a $95 annual fee, covering airlines, hotels booked directly, dining, groceries, and gas (including EV charging), plus 10x on hotels, car rentals, and attractions booked through Citi Travel. That spread is why it ranks #3 on our list of the best cards for dining and groceries and #5 for travel. The 60,000-point bonus after $4,000 in spend within 3 months is a strong start, and the annual $100 hotel credit can cover the fee on its own, though only on a single Citi Travel stay of $500 or more. The tradeoff is a 1x base rate on everything outside those categories, so it works best paired with a card that earns more on general spending. With no foreign transaction fees, it is an easy everyday pick for anyone whose budget leans on food, fuel, and travel.
Earn rates & credits
| Category | Rate |
|---|---|
Hotels & Car Rentals (via Portal) On hotels, car rentals, and attractions booked through Citi Travel | 10x |
Airlines | 3x |
Hotels On hotels booked directly | 3x |
Dining | 3x |
Groceries | 3x |
Gas Includes EV charging stations | 3x |
Everything Else | 1x |
| Benefit | Value |
|---|---|
Annual Hotel Credit $100 off a single hotel stay of $500 or more booked through Citi Travel once per calendar year | $100 /yr |
| Total annual credits | $100 |
Card details
Regular APR | 20.24%–28.24% variable |
Foreign transaction fee | None |
Approval odds
Product changes
Where cardholders came from before landing on this card, and what they moved it to afterwards. Thicker flows carry a larger share of the changes in that direction.
Citi Strata PremierBased on 1 reported product change. Percentages are shares of each direction, not of all cardholders, and a small sample can swing a long way.