Where It Wins, Where It Doesn't
Generated from the card's data against our full catalog, not editorial opinion.
- 3x on flights (catalog median is 2x)
- 3x on hotels (catalog median is 2x)
- 3x on other travel (catalog median is 2x)
- Credits worth about $60/yr at typical usage offset 63% of the fee
- Non-bonus spending earns only 1x
Is the $95 Fee Worth It?
Net annual value (rewards + credits at typical usage, minus the fee) at three reference spending profiles. Signup bonuses excluded.
Everyday
Groceries, gas, and dining out a few times a month ($24,000/yr)
+$469/yr
$504 rewards + $60 credits - $95 fee
Foodie
Heavy dining and delivery, lighter on travel ($26,000/yr)
+$549/yr
$584 rewards + $60 credits - $95 fee
Traveler
Several trips a year with flights and hotels ($28,000/yr)
+$677/yr
$712 rewards + $60 credits - $95 fee
Rewards by Category
Dining
3x
Grocery
3x
Gas
3x
Flights
3x
Hotels
3x
Other Travel
3x
Online Shopping
1x
Rideshare
3x
Streaming
1x
Amazon
1x
Costco
3x
Other
1x
Apple
1x
Cell Phone
1x
Fast Food
3x
Home Utilities
1x
Internet
1x
Walmart
1x
Point value: 1.0 cents per point
The Fine Print That Changes the Math
3x on flights, hotels, restaurants, supermarkets, gas stations, and EV charging. $100 annual hotel savings benefit. Visa card so works at Costco.
Benefits & Credits
$100 Hotel Savings Benefit$100
We count this at 60% of face value (typical usage)
Applied when booking a single hotel stay of $500+ via Citi Travel portal. Portal lock reduces realization for users with status-preferred booking channels.
Citi Strata Premier FAQ
What is the Citi Strata Premier annual fee?
The Citi Strata Premier has a $95 annual fee. Statement credits worth about $60/yr at typical usage reduce the effective cost.
What is the Citi Strata Premier signup bonus?
75,000 points for new cardholders meeting the minimum spend. Check the issuer's site for the current offer.
What are the best spending categories for the Citi Strata Premier?
3x on flights, 3x on hotels, 3x on other travel. Everything else earns 1x.
Is the Citi Strata Premier worth the annual fee?
At a typical $24,000/yr spending profile, it nets about $469/yr after the fee. Your own spending mix decides it; run the numbers in the optimizer.
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Is Citi Strata Premier Right for You?
Run your personalized optimization to see how this card fits into your wallet and how much you could earn based on your actual spending.
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