A reasonable annual fee allows you to earn transferrable travel rewards with Citi Strata Premier.

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The Citi Strata Premier℠ Card offers a comprehensive travel experience with a substantial welcome bonus, travel protections, and transferable rewards at competitive rates. Additionally, using this card in conjunction with other Citi credit cards, such as the Citi Double Cash® Card or Citi Custom Cash® Card, enhances the value of the rewards earned.

Citi Strata Premier credit card rewards, benefits, and fees are detailed in CNBC Select to aid in your decision-making process.

Welcome bonus

You can earn a limited-time bonus of 75,000 ThankYou® Points after spending $4,000 in the first three months of account opening with the Citi Strata Premier℠ Card. These points can be redeemed for $750 in gift cards or cash back.

You can increase the value of your Citi ThankYou® bonus by utilizing its more than 18 transfer partners, which offer luxury hotel stays and business class awards flights.

Benefits and perks

The Citi Strata Premier℠ Card offers a $100 discount on hotel stays of $500 or more (excluding taxes and fees) annually, as well as access to Citi® Entertainment, a platform for purchasing tickets to concerts, sporting events, and theater events.

The card also includes several important travel and shopping protections, such as:

• Trip cancellation/interruption
• Lost/damaged luggage
• Car rental collision insurance (secondary)
• Extended warranty

How to earn and redeem rewards

Earning Citi ThankYou® Points

The Citi Strata Premier℠ Card earns rewards at the following rates:

• 10X points on hotels, car rentals and attractions booked on CitiTravel.com
• 3X points on air travel and other hotel purchases
• 3X points at restaurants
• 3X points at supermarkets
• 3X points on gas and EV charging stations
• 1X points on all other purchases

Redeeming Citi ThankYou® Points

The worth of Citi ThankYou® Points fluctuates based on how they are redeemed, but a minimum value of one cent per point applies.

You can redeem ThankYou® Points for a statement credit, direct deposit, or check at one cent per point. Additionally, you'll receive the same return when redeeming points for gift cards or Citi Travel bookings. However, it's important to avoid redemptions that give you less than one cent per point, such as using points for Amazon purchases.

To maximize the worth of your points, it is recommended to transfer them to the various hotel and airline loyalty programs that Citi partners with. You can transfer ThankYou® Points to numerous partners, such as Etihad Guest, Qatar Airways Privilege Club, Virgin Atlantic Flying Club, Choice Privileges, and many more. This enables you to select the most suitable program for your desired travel booking.

You can transfer United Airlines points to Turkish Airlines for domestic flights within the U.S., which only requires 20,000 miles per roundtrip. Additionally, with Citi becoming the exclusive American Airlines card issuer in 2026, there is speculation that the AAdvantage program may eventually become a Citi transfer partner, making ThankYou® Points more valuable.

You can transfer your ThankYou® Points to Choice Privileges at a 1:2 ratio, and Choice charges 8,000 to 35,000 points per night for most hotels (some luxury hotels can cost 55,000+ per night). Therefore, you can book a five- or seven-night stay with the Citi Strata Premier Card's welcome bonus.

Rates and fees

The Citi Strata Premier℠ Card has an annual fee of $95 and does not charge foreign transaction fees. However, it does not offer an introductory 0% APR period on balance transfers or purchases.

Card comparison

Citi Strata Premier℠ Card vs. Chase Sapphire Preferred® Card

Both the Chase Sapphire Preferred® Card and Citi Strata Premier℠ Card have an annual fee of $95 and allow you to transfer earned points to a variety of loyalty programs.

The Citi Strata Premier offers more rewards on gas and EV charging, airfare and hotel bookings, and at supermarkets, while the Sapphire Preferred provides more rewards on select streaming services and travel purchases that don't include flights or hotel bookings. Since streaming services are typically a small part of any budget and flights and hotels are usually the most expensive travel costs, the Citi Strata Premier is likely to be more rewarding for most people.

The Sapphire Preferred offers more benefits than the Strata Premier, including travel accident and baggage delay insurance, primary car rental collision coverage, and a 25% bonus on travel redemptions and a 10% points bonus every year.

Learn more: Chase Sapphire Preferred® Card

Citi Strata Premier℠ Card vs. Capital One Venture Rewards Credit Card

The Capital One Venture Rewards Credit Card is a suitable choice if you prefer a more straightforward rewards program. It offers the same $95 annual fee as the Citi Strata Premier℠ Card and earns at least 2X miles on every purchase.

Although the Capital One Venture Rewards Card earns less than Strata Premier on bonus category spending, it only earns 33% less for most transactions and double the rewards on all purchases outside the Strata Premier's bonus categories. Additionally, the Capital One Venture card offers a Global Entry or TSA PreCheck application fee credit of up to $120 once every four years.

Learn more: Capital One Venture Rewards Credit Card

Compare savings accounts

Is the Citi Strata Premier Card right for you?

The Citi Strata Premier℠ Card offers a substantial welcome bonus and is highly rewarding for a variety of purchases, including groceries, gas, travel, and dining. Additionally, it grants access to all of the ThankYou® travel partners, providing more options for redeeming points for high value. Nevertheless, there are other travel credit cards with more extensive benefits if that's a top priority for you.

Why trust CNBC Select?

Our mission at CNBC Select is to deliver top-notch service journalism and in-depth consumer advice to our readers, enabling them to make well-informed decisions with their money. Each credit card review is the result of thorough reporting by our team of expert writers and editors, who possess extensive knowledge of credit card products. At CNBC Select, we take pride in our journalistic standards and ethics, and we earn a commission from affiliate partners on many offers and links. However, our content is created independently, without any input from our commercial team or external third parties.

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The Citi Custom Cash® Card has been independently researched by Select and has not been reviewed or approved by the card issuer before publication.