Is the Citi Strata Premier worth it?

The Strata Premier is worth it for most people who spend at least $2,000-3,000/year across dining, groceries, gas, and travel. The 3x multiplier across all these categories makes the $95 annual fee easy to recoup.

What is the Citi Strata Premier annual fee?

The Citi Strata Premier has a $95 annual fee.

Strata Premier vs Chase Sapphire Preferred: which is better?

Both cost $95/year. The Strata Premier wins on breadth with 3x on groceries, gas, and rideshare. The CSP wins on online grocery (3x) and Chase Travel portal (5x). Choose based on where you spend most.

2026 Edition

Citi Strata Premier Calculator

Calculate if the $95 annual fee is worth it based on your dining, grocery, gas, and travel spend.

CitiTravel

10x

Flights

Hotels

Dining

Groceries

Gas & EV

Rideshare

Other

1. Enter Your Spending

10x Category

CitiTravel.com10x

3x Categories

Flights3x

Hotels3x

Dining3x

Groceries3x

Gas & EV Charging3x

Rideshare & Delivery3x

1x Category

Everything Else1x

2. Credits & Benefits

Toggle credits you expect to use. The hotel benefit requires a $500+ stay booked through CitiTravel.com.

$100 Annual Hotel Benefit

$100 off a single hotel stay of $500+ (excl. taxes/fees) booked through CitiTravel.com

$100

Included Benefits (No Extra Value Needed)

• No foreign transaction fees
• Trip delay & cancellation insurance
• Lost luggage reimbursement
• Car rental collision damage waiver
• Purchase protection & extended warranty
• Citi Entertainment access

3. Point Valuation (cpp)

cpp = cents per point. ThankYou points can be transferred to airline and hotel partners, or redeemed through CitiTravel.com.

1.0 cpp: Statement credit or cash back redemption

1.25 cpp: Conservative transfer partner value

1.5 cpp: Strong airline transfer redemptions

1.8 cpp: Aspirational partner redemptions (JetBlue, Turkish, etc.)

Optimize Your Entire Wallet

The Strata Premier covers a lot of ground with 3x across six categories. See how it stacks up against your other cards to maximize rewards everywhere.

Try the CardSavvy Optimizer

Learn More

Dive deeper into the Strata Premier and see how it compares to similar cards.

Strata Premier Review CSP Calculator (Compare)Apply for the Strata Premier

This calculator provides estimates based on published Citi Strata Premier terms as of March 2026. Benefits, earning rates, and redemption values can change. Not financial advice.