Credit card directory

Citi Strata Premier Card

The Citi Strata Premier Card charges $95 a year and earns ThankYou Points at 10 per $1 on hotels, car rentals and attractions booked through Citi Travel, 3 per $1 on air travel, other hotels, restaurants, supermarkets and gas or EV charging, and 1 per $1 elsewhere, with no foreign transaction fee.

Facts read from the Citi official Strata Premier card page on October 22, 2026. How we check them: methodology.

Earn rates, as the issuer prints them

Five spending lanes share the 3 per $1 rate, so this card earns its bonus on supermarkets and fuel as well as travel and dining. Among the $95 cards in this directory, it is the one that pays a bonus at supermarkets rather than only on online grocery orders. The 10 per $1 line applies only inside Citi Travel. Citi does not print transfer ratios on citi.com, so this profile states none for the points. Air travel on the 3 per $1 line names no booking channel as printed, so a fare bought from the airline earns the same rate as one through the portal; only hotels split, at 10 per $1 through Citi Travel and 3 per $1 elsewhere.

A year of spending on this card, worked out

Arithmetic illustration with stated inputs: $500 a month at supermarkets, $300 at restaurants, $150 on gas, $2,000 a year on airfare and $5,000 a year on other purchases earns 18,000 + 10,800 + 5,400 + 6,000 + 5,000 = 45,200 ThankYou Points. Adding $1,000 of hotels through Citi Travel at 10 per $1 adds another 10,000.

Welcome offer as published

No welcome offer was published on the issuer page checked.

The welcome offer amount did not appear on the issuer pages that could be read on October 22, 2026, so there is no threshold or spend pace to work through here, and Citi's card page is the final word. If an offer appears when you apply, weigh the one-time amount against a $95 fee that repeats.

Who this earn structure suits

Travelers who also carry heavy grocery, dining and fuel spend: few cards in this directory put a 3x rate on all four of those everyday categories at a $95 fee. The 10x rate only applies inside Citi Travel, so it suits someone willing to book hotels and cars there.

Notes from the issuer page

• The welcome offer amount did not appear in the readable text of the issuer page checked on October 22, 2026, whose offer headline loads without its figures, so this directory prints none. Citi's card page is the final word on the current bonus.

The traps to check in your account

• Points land in Citi ThankYou Points; read its hub and the transfer guides before moving any.
• The 10 per $1 rate applies only to hotels, car rentals and attractions booked through Citi Travel. The same hotel booked elsewhere earns 3 per $1.
• Interest on a carried balance can outweigh the rewards, so the earn table assumes you pay in full.