Citi Strata Premier
By Alex Compton · Last verified
3x on five everyday categories. The broadest mid-tier earner.
Welcome Bonus
60,000
≈$1,080 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.
Apply now or wait?
Consider waitingThis card has offered 75k before; the current 60k is below its typical 72,500. Elevated offers have appeared 2 times in the last two years of our data, so if you can wait, history is on your side.
Current offer
60k
All-time high
75k
Typical offer
72,500
In place since
July 2026
Last verified 2026-07-09 · spot an outdated offer? Tell us in the comments.
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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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