Frequent travelers who route bookings through Citi's travel portal (cititravel.com) for the 10x rate, and who spend heavily across the broad 3x buckets — restaurants, supermarkets, gas/EV charging, air travel, and hotels booked directly. ThankYou Points transfer to airline and hotel partners.

Not for

Anyone unwilling to book through cititravel.com to unlock the 10x tier, and lighter spenders who'd earn a similar 3x/1x structure on the no-fee Citi Strata without paying the $95 AF.

The catch

The headline 10x rate is portal-locked — book a hotel directly with the property, which most loyalty members do to protect elite status and price guarantees, and you drop to 3x. The $100 annual hotel credit needs a $500+ portal stay to trigger, another portal-lock most cardholders won't clear.

Card facts

Sourced from the issuer's published Schumer Box and terms — confirm current numbers at the issuer.

Product specs

Annual fee: $95
Ongoing APR: 20.24% – 28.24% variable
Foreign transaction fee: None
Balance transfer fee: $5 or 5%, whichever is greater
Late payment fee: Up to $41
Schumer Box sourced: August 13, 2026

How we scored this card

See our published methodology — 5 dimensions, 0–20 each, 100-point total.

Effective rewards rate16 / 20

Fee structure16 / 20

Audience fit16 / 20

Transparency and trust17 / 20

The weakness, named16 / 20

Total81 / 100 · Solid pick

Card alerts

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Frequently asked

Is the Citi Strata Premier's $95 annual fee worth it?

The Citi Strata Premier charges a $95 annual fee. In our review it earns a fees score of 16/20 — the "How we scored this card" section below shows how we weigh that against the rewards and benefits. Frequent travelers who route bookings through Citi's travel portal (cititravel.com) for the 10x rate, and who spend heavily across the broad 3x buckets — restaurants, supermarkets, gas/EV charging, air travel, and hotels booked directly. ThankYou Points transfer to airline and hotel partners.

What APR does the Citi Strata Premier charge?

20.24% – 28.24% variable. APRs are variable and set by the issuer — confirm the current range on the issuer's Schumer Box before you commit.

Does the Citi Strata Premier charge foreign transaction fees?

No. The Citi Strata Premier has no foreign transaction fee, so it works cleanly for purchases abroad.

Who is the Citi Strata Premier best for?

Who should skip the Citi Strata Premier?

Anyone unwilling to book through cititravel.com to unlock the 10x tier, and lighter spenders who'd earn a similar 3x/1x structure on the no-fee Citi Strata without paying the $95 AF.

How did ClearValue score the Citi Strata Premier?

Citi Strata Premier scored 81/100 — "Solid pick". We score every card across five dimensions (effective rewards, fee structure, audience fit, transparency, and the weakness named), 0–20 each. Scores are never influenced by commission. See our methodology for the full rubric.

Alternatives to the Citi Strata Premier

Other travel cards we've scored, ranked by our methodology.

This review carries no partner link and earns nothing from what you read here — our scoring is never influenced by compensation, and reflects only our published rubric. When you use our match tool, we may be paid by a partner (CardRatings) if you continue with a card from there. See our methodology and disclosure.

Citi Strata Premier81/100 · Solid pick

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Citi Strata Premier