Citi Strata Premier: 3X everyday spending, $95 fee
What it earns
Annual fee: $95
| Earn | Where to use it |
|---|---|
| 10X | Hotels, car rentals and attractionsBook through Citi Travel. Flights are not in this 10X category. |
| 3X | Air travel and other hotel purchasesEligible purchases outside the 10X Citi Travel categories; check merchant coding. |
| 3X | Restaurants and supermarketsEligible merchants only. A store selling food does not automatically code as a supermarket. |
| 3X | Gas and EV chargingEligible stations only; merchant coding applies. |
| 1X | Everything elseEligible purchases outside the bonus categories. |
Standard purchase rates, checked Oct 15, 2026. Issuer terms (opens in a new tab). Limited-time bonuses are separate.
TL;DR
- $95 a year for 3X across food, gas, flights and hotels.
- The $100 hotel benefit needs one $500-plus Citi Travel stay.
- Transfer points only after you find a bookable award and check the ratio.
New here? How to read these guides
Start with the earning table and TL;DR. Then check who the card fits, a spending example and how to redeem. Compare the live offer before applying.
- Cash back
- A percentage back on eligible spending. 3% on $100 = $3.
- Points / miles
- 2X means 2 points per $1 spent. It does not automatically mean 2% back. Each program has different redemption values.
- Welcome bonus / SUB
- Extra rewards for meeting an offer's spending requirement by its deadline. SUB means sign-up bonus.
- Churning
- Opening cards for welcome bonuses. Start with one card you can manage, not a pile of applications. Fees, interest and overspending can erase the upside.
- Transfer
- Moving rewards to an airline or hotel program. Often a one-way move.
The first rule: pay your statement balance in full. Interest can wipe out the rewards.
Who this card is for
You regularly buy flights and hotel stays and want transferable points from normal spending. If those categories are small for you, start with no-fee Strata or a flat cash-back card.
What that earns in real life
Illustration: $300 on eligible airfare, $300 at supermarkets and $200 at restaurants earns 2,400 points at 3X. That is a point count, not $2,400 or a promised flight.
How to use the rewards
Compare cash back, Citi Travel and transfer partners. A transfer can be hard to reverse, so check the exact flight, points price, taxes and transfer ratio first. Do not assume every point is worth the same amount.
Planning a trip with points? Award-flight search is coming. Get a beta invite →
Before you apply
The $100 annual hotel benefit needs one Citi Travel hotel stay of at least $500 before taxes and fees. Compare that portal price with booking direct. If you would not take that stay anyway, do not count the credit against the $95 fee.
Check the current offer and Citi Premier/Strata Premier bonus eligibility. Pay the statement in full.
Pay your statement balance in full. Interest can cost more than the rewards you earn.
Quick questions
What is Citi Strata Premier's annual fee?
$95. Its hotel benefit is not automatic cash; it has a booking minimum and Citi Travel restriction.
Does Strata Premier earn 10X on flights?
No. Citi lists 10X for hotels, car rentals and attractions booked through Citi Travel. Eligible air travel earns 3X.
Sources & what to double-check
Published Oct 15, 2026. Reviewed Oct 15, 2026. Offers can change.
- Current $95 annual fee, bonus eligibility and rates.
- Citi Travel hotel-benefit booking minimum and restrictions.
- Transfer partners, ratios and award availability.