Status: checked against official sources; automated independent review
Part of Citi Strata Premier Card hub · Citi ThankYou Rewards hub
PROGRAMME PROFILE
Citi Strata Premier® Card: published terms
The Citi Strata Premier® Card is a Citi travel credit card that earns ThankYou® Points in the ThankYou® Rewards programme, with a published earning range of 1 to 10 points per dollar and a $95 annual fee. [1] Citi also lists a $100 annual hotel benefit, no foreign transaction fees on purchases and a 1,000-point minimum for points transfers. [1]
Facts checked: 18 October 2026
Key takeaways
- The Citi Strata Premier® Card has a $95 annual fee, no authorized user fee and no foreign transaction fees on purchases. [1]
- It earns 10 points per dollar on hotels, car rentals and attractions booked on cititravel.com, 3 points per dollar in several everyday categories, and 1 point per dollar on all other purchases. [1]
- Citi lists a $100 Annual Hotel Benefit once per calendar year, and says earned points have no expiration and no earning cap. [1]
- ThankYou Points transfer to listed airline and hotel partners with a minimum transfer of 1,000 points. [1]
How much does the Citi Strata Premier Card cost?
As of 18 October 2026, the card’s annual fee is $95, and Citi lists no authorized user fee. [1] Citi also lists no foreign transaction fees on purchases. [1]
| Item | Published term |
|---|---|
| Purchase and balance transfer APR | 20.24%–28.24% variable, based on creditworthiness |
| Cash advance APR | 29.49% variable |
| Penalty APR | Up to 29.99% variable; may apply after a late payment or a returned payment |
| Minimum interest charge | $0.50 |
| Balance transfer fee | Either $5 or 5% of each transfer, whichever is greater |
| Cash advance fee | Either $10 or 5% of each cash advance, whichever is greater |
How do you earn ThankYou Points with the Citi Strata Premier Card?
As of 18 October 2026, Citi publishes these earning rates for the card. [1]
| Purchase category | Points |
|---|---|
| Hotels, car rentals and attractions booked on cititravel.com | 10 |
| Air travel and other hotel purchases | 3 |
| Restaurants | 3 |
| Supermarkets | 3 |
| Gas & EV charging stations | 3 |
| All other purchases | 1 |
Citi says there is no limit to the amount of points that can be earned, and no expiration on points earned. [1]
What travel benefits does the Citi Strata Premier Card include?
The card’s $100 Annual Hotel Benefit gives $100 off a single hotel stay of $500 or more, excluding taxes and fees, once per calendar year. [1] The stay must be booked through cititravel.com or by phone at 1-833-737-1288, and the benefit is applied instantly at the time of booking. [1]
Citi lists no foreign transaction fees on purchases. [1] It also names these travel protection benefits: Trip Cancellation and Trip Interruption (Common Carrier), Trip Delay, Lost or Damaged Luggage and MasterRental Coverage (Car Rental). [1]
Citi Travel offers access to over 1.4 million hotels and resorts worldwide, and cardholders can book flights, hotels, car rentals and attractions with the card, points or both. [1]
How do ThankYou Rewards points transfers work?
Points transfers from ThankYou Rewards can go to American Airlines, JetBlue, Virgin Atlantic, Cathay, Eva Air, Choice Hotels, The Leading Hotels of the World and others. [1] The minimum transfer is 1,000 points. [1] Citi also lists redemption through Citi Travel, shopping with points at participating merchants such as Amazon, PayPal and CVS, and gift cards or cash back through thankyou.com. [1]
What conditions and limits apply?
- The Annual Hotel Benefit is limited to one use per calendar year and requires a single stay of at least $500 before taxes and fees; the booking must use cititravel.com or the listed phone line. [1]
- The new account bonus offer is not available if you currently have or previously had a Citi Strata Premier or Citi Premier account, and Citi says eligibility may also depend on factors such as opening, closing and using credit cards. [1]
- Cash advance and balance transfer fees are the greater of a flat amount or a percentage: $10 or 5% for cash advances, and $5 or 5% for balance transfers. [1]
- Citi states that offers may vary and may not be available in other places where the card is offered. [1]
Frequently asked questions
How much is the Citi Strata Premier Card annual fee?
The published annual fee is $95, with no authorized user fee. [1]
How many ThankYou Points do you earn on dining and groceries?
The card earns 3 points per dollar at restaurants, supermarkets, gas and EV charging stations, and on air travel and other hotel purchases; all other purchases earn 1 point per dollar. [1]
Do ThankYou Points earned with the Citi Strata Premier Card expire?
Citi says earned points have no expiration and there is no limit to the amount of points that can be earned. [1]
What is the minimum ThankYou Points transfer?
The minimum transfer is 1,000 points. [1]
Does the Citi Strata Premier Card charge foreign transaction fees?
Citi lists no foreign transaction fees on purchases. [1]
Sources
Sources checked on 18 October 2026. Other Citi cards and other card rewards programmes are not covered here.
- Citi Strata Premier® Card page, checked 18 October 2026