Citi Strata Premier Card
A Citi Mastercard card with a $95 annual fee. Here's what it pays back after that fee for three spending profiles, simulated month by month. Terms verified Oct 5, 2026.
What it's worth
5 years, the welcome offer counted when the profile's own spending reaches it, points valued for travel. Merchant credits like Uber or DoorDash aren't counted for typed profiles.
| Profile | Year 1 | Then yearly | 5 years |
|---|---|---|---|
| Everyday spender About $2,000 a month, mostly groceries and errands, one trip a year. | $1,390 | $550 | $3,591 |
| Balanced About $3,500 a month with a few trips a year and regular dining out. | $1,955 | $1,115 | $6,413 |
| Frequent traveler About $5,000 a month, heavy on flights, hotels and restaurants, some trips abroad. | $2,643 | $1,803 | $9,857 |
Your spending isn't one of our profiles. Drop in a year of statements and see where the Citi Strata Premier ranks against every card we track. They're read on this device and never uploaded.
Terms
| Term | Citi Strata Premier |
|---|---|
| Issuer and network | Citi, Mastercard |
| Annual fee | $95 |
| Requires | Nothing extra |
| Welcome offer | 60,000 points after $4,000 in 3 months |
| Earning | 10x on hotels, car rentals and attractions booked through Citi Travel · 3x on air travel and other hotel purchases · 3x at restaurants (including restaurant delivery) · 3x at supermarkets · 3x at gas and EV charging stations · 1x on everything else |
| Rewards currency | Citi ThankYou points |
| Statement credits | $100 annual hotel benefit (Citi Travel, $500+ stay) |
| Lounges | None |
| Foreign transaction fee | None |
| Authorized users | No fee |
| Availability | Open to new applicants |
| Verified | Oct 5, 2026 |
Checked against the issuer's page. Dates and sources for each part.
Fine print
- Unlocks Citi's full transfer roster at full ratios, including American Airlines AAdvantage 1:1 (also JetBlue, Virgin Atlantic, Cathay, EVA, Choice, Leading Hotels of the World and others, per citi.com). Points from a Double Cash or Custom Cash pooled into the same ThankYou account transfer at these ratios too.
- Cash-out: since Aug 2025, Strata Premier points redeem for cash at 0.75 cent each when this is your only ThankYou card. They cash out at 1 cent if a Double Cash or Custom Cash is linked to the same ThankYou account. Citi Travel and gift-card redemptions are about 1 cent.
- That matches NerdWallet (Sep 14, 2026). Static text further down the same citi.com page still shows an older 20.24%-28.24% range.
- No authorized user fee. No foreign transaction fees.
- Product-change targets: Citi Double Cash, Citi Strata (no-fee, not in this file) and, while Citi still allows it, Custom Cash.
Already have it? Is the Citi Strata Premier still worth $95 a year?