Card economics
Citi Strata Premier
Annual fee
$95/yr
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Welcome offers change frequently — check the issuer's page for the current offer.
Earn rates
| Category | Rate |
|---|---|
| Citi Travel - Hotels | 10xPortal only |
| Citi Travel - Rental Cars | 10xPortal only |
| Citi Travel - Attractions | 10xPortal only |
| Dining | 3x |
| Groceries — in store | 3x |
| Groceries — online | 3x |
| Gas stations (excluding Costco Gas) | 3x |
| EV Charging | 3x |
| Hotels outside issuer portals | 3x |
| Flights outside issuer portals | 3x |
| Citi Travel - Flights | 3xPortal only |
| Amex Travel - Flights | 3xPortal only |
| Amex Travel - Hotels | 3xPortal only |
| Bilt Travel - Flights | 3xPortal only |
| Bilt Travel - Hotels | 3xPortal only |
| Other travel outside issuer portals | 1x |
| Travel - Car Rentals / Agencies / Cruises | 1x |
| Everything else | 1xBase rate |
Transfer partners: Citi ThankYou Points
Fee calculator
Sticker Fee
$95/yr
Credits
-$0
Effective Fee
$95
Credits & Benefits
Max: $100/yr · annual
$100 off a hotel stay of $500+ booked via cititravel.com, applied instantly at booking. Once per calendar year.
Catalog record last reviewed Aug 2, 2026. Issuer terms and available offers control and may change.
Next step
One card is a start. The modeled setup is the whole wallet.
The Citi Strata Premier might be useful on its own, but the modeled combination depends on your total spending. The optimizer searches eligible portfolios and clearly labels whether the result was proven optimal within that run's inputs or is the strongest valid setup found before timeout.
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