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 70k. 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
70k
In place since
July 2026
| Observed | Offer | Requirement | What changed | Evidence |
|---|---|---|---|---|
| 2026-09-05 | 60,000 | $4,000 in 3 mo | Terms reconfirmedPublic offer confirmed unchanged | Citi Strata Premier product page and pricing details → |
| 2026-07 | 60,000 | $4,000 in 3 mo | Bonus decreased: 75,000 → 60,000 | Archive record · no attached snapshot |
| 2026-01 | 75,000 | $4,000 in 3 mo | Terms reconfirmed | Archive record · no attached snapshot |
| 2024-11 | 75,000 | $4,000 in 3 mo | Bonus increased: 70,000 → 75,000 | Archive record · no attached snapshot |
| 2024-05 | 70,000 | $4,000 in 3 mo | Earliest recordPremier relaunched as Strata Premier | Archive record · no attached snapshot |
Primary-source verification log
Append-only evidence ledger- confirmed
Correction to prior event summary: public 60,000-point offer, $95 fee, earn rates and hotel benefit confirmed
Citi Strata Premier product page → - confirmed
Public 60,000-point offer, fee, earn rates and hotel benefit confirmed
Fields: offerHistory, lastVerified
Citi Strata Premier product page →
Source checked 2026-09-05 · spot an outdated offer? Report a correction above.
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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 foreign transaction fee
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.
Head-to-Head Comparisons
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