RateHerald

Our illustration, not the card’s design

Citi credit card

Citi Strata Premier® - Travel Credit Card

$95 a year. 60,000 ThankYou® Points after you spend $4,000 in 3 months. Purchase APR 19.74–27.74%, variable. No foreign transaction fees.

Checked Nov 1, 2026Updated

Welcome offer
Annual fee
Purchase APR · variable
Foreign transactions

Select an underlined figure to see where it comes from.

Citi’s terms

Welcome offer

60,000 Points

After you spend $4,000 on purchases in your first 3 months.

Spending it takes
$1,333 a month
for 3 months
Tracking since
Oct 11, 2026
history will chart every change

New cardmembers only. Subject to credit approval. Additional limitations, terms and conditions apply. The offer may change from time to time.

Who can get it: If you’ve ever had a bonus on this card or one of its family, you can’t get it.

“New account bonus offer is not available if you currently have or previously had a Citi Strata Premier ® or a Citi Premier ® account.”

The issuer’s terms, from its page, as of Oct 12, 2026. Check which bonuses you can get

In dollars

What it’s worth

Yearly value in dollars: rewards and credits minus the annual fee, for three ways of spending. First year includes any welcome bonus.

SpendingValue against the feeFirst yearAfter
Light spender$145$145
Typical spender$1,070$470
Heavy spender$1,740$1,140
The spending each assumes, and what isn’t counted
  • Light spender: groceries $300, dining $100, gas $100, everything else $500 a month
  • Typical spender: groceries $600, dining $300, gas $200, travel $150, everything else $1,250 a month
  • Heavy spender: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500 a month

Assumed: not counted: 10x Attractions; points valued at an assumed 1¢; welcome bonus needs $4,000 in 3 months; not counted: 10x Hotels.

$145a year

The same in the first year and after.

Rewards and credits$240

You keep $145−$95 annual fee

The spending this assumes

A month: groceries $300, dining $100, gas $100, everything else $500. Assumed: not counted: 10x Attractions; points valued at an assumed 1¢; welcome bonus needs $4,000 in 3 months.

$470a year

$1,070 the first year, with the welcome bonus.

Rewards and credits$565

You keep $470−$95 annual fee

The spending this assumes

A month: groceries $600, dining $300, gas $200, travel $150, everything else $1,250. Assumed: not counted: 10x Attractions; points valued at an assumed 1¢.

$1,140a year

$1,740 the first year, with the welcome bonus.

Rewards and credits$1,235

You keep $1,140−$95 annual fee

The spending this assumes

A month: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500. Assumed: not counted: 10x Attractions; not counted: 10x Hotels; points valued at an assumed 1¢.

Use your own spending

Estimates from the published terms above, as checked Nov 1, 2026; not advice. How we value cards

Against the market

How it compares

Worth more to a typical spender than about 95% of the 732 cards we track.

  • Lower top APR than about 55% of the 163 cards on our Sign-up bonuses list (see the list).
  • Lower annual fee than about 25% of the 171 cards on our Sign-up bonuses list (see the list).

Other points cards with fees up to $100

Against this card, for our typical spender’s value (rewards and credits minus fees, after the first year).

Shares rounded to 5 points. Fees and APRs as stated; value for our typical spender. Method

ThankYou® Rewards

How you earn

10×
HotelsCar RentalsAttractions
3×
Air TravelOther Hotel PurchasesRestaurantsSupermarketsGas & EV Charging Stations
1×
Everything else

Points per dollar. “What it’s worth” values a point at an assumed 1¢.

Benefits

  • Annual Hotel Benefit: $100 annual
  • $100 Annual Hotel Benefit: once per calendar year, $100 off a single hotel stay of $500 or more (excluding taxes and fees) booked through cititravel.com or 1-833-737-1288, applied instantly at booking
  • Citi Entertainment access to presale tickets and exclusive experiences
  • No foreign transaction fees
  • Points transfer with a minimum transfer of 1,000 points
All 9 benefits
  • Trip cancellation
  • Trip delay
  • Baggage
  • Rental car

Every figure with its receipt

Rates and fees

Annual fee
Purchase APRvariable
Balance transfer APR
Balance transfer fee
Cash advance APR
Cash advance fee
Penalty APR
Late payment
Returned payment
Foreign transactions
Grace period
Minimum interest charge

Before you apply

  1. What the application asks: your name, address, date of birth, Social Security number (or ITIN), income and housing payment. By law the issuer must consider your ability to pay (Regulation Z, 1026.51).
  2. Your credit report: applying usually means a hard inquiry, which can lower your score slightly for a while. Some issuers let you check whether you’re pre-approved first without one. How credit reports work (CFPB)
  3. The bonus: If you’ve ever had a bonus on this card or one of its family, you can’t get it.

Questions

What is the annual fee?
$95 · citi.com, since Sep 29, 2026
Does it charge a foreign transaction fee?
No. · citi.com, since Sep 29, 2026
What is the purchase APR?
19.74–27.74% APR · citi.com, since Oct 8, 2026
Is there a welcome bonus?
60,000 ThankYou Points after $4,000 in purchases in 3 months. · citi.com, since Oct 11, 2026
See it on citi.com

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