Citi Strata Premier
3x on five everyday categories. The broadest mid-tier earner.
★ 8.6/10CitipersonalCiti ThankYou Points
View Current OfferBest for: Broad everyday 3x earning
Welcome Bonus
75,000
≈$1,350 value
Spend Requirement
$4,000
in 3 months
Annual Fee
$95
No FTF
Credit Score
700+
(Good-Excellent)
Historical Offers Chart
Every public offer change we've tracked. Hover for details, timing your application is worth hundreds of dollars.
Sign-Up Bonus (points)Spending Requirement ($)
Last verified 2026-01-15 · spot an outdated offer? Tell us in the comments.
Earning Rates
- 10xHotels, car rentals, attractions via Citi Travel
- 3xRestaurants, supermarkets, gas, EV charging, air travel, hotels
- 1xAll other purchases
Credits ($100/yr stated)
- Hotel credit$100
$500+ Citi Travel booking
Benefits
- ✦Full ThankYou transfer partners
- ✦No FTF
Why it earns its spot
- +3x across five categories beats most $95 rivals
- +Hotel credit effectively halves the fee
Where it costs you
- −Citi's travel protections are thin
- −Transfer partners weaker for US domestic
The Compound Verdict
Per dollar of annual fee, the widest 3x coverage you can buy. Strong standalone card and the anchor of any ThankYou points strategy.
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