Citi Strata Premier

Citi's Premium Travel Card

Annual Fee $95

Earning Rate 10x hotels, car rentals & attractions via Citi Travel • 3x air travel & other hotel purchases • 3x restaurants • 3x supermarkets • 3x gas & EV charging • 1x everything else

Welcome Bonus 60,000 points after $4,000 spend in 3 months

Card Material Plastic card with standard finish • colors: Blue

Apply for Strata Premier →

Practical Recommendation

If you spend real money on dining, groceries, and flights, this is an easy keeper. The $100 hotel discount through Citi Travel is simple and offsets the fee fast if you book one $500+ stay a year.

You'll get the best value by moving points to airline and hotel partners for award bookings. If you'd rather take straight cash every time, the math is tougher—still solid, just not magic. Bottom line: travelers who transfer points win here.

Credits

Practical Advice

This is what makes or breaks a card for you. If you can use these credits in your normal spend, the perks and protections are all bonus for you. We have a calculator at the bottom of this section to help you calculate that. Below we break down exactly what every credit is to show you if it's easy or if they're going to make you jump through 17 hoops to redeem it.

$100 Annual Hotel Benefit – Once per calendar year, you get $100 off a single hotel stay of $500+ (before taxes/fees) when you book through Citi Travel (online or phone). The $100 comes off at booking. Good if you book at least one $500+ hotel stay a year; $0 value if you never use the portal.

Click Here to Calculate Your Annual Fee

Credit

Include

Your Value

Practical Tip

You can edit the amounts in the number fields if you value a credit at less than the full value. For example, if you only use a $10/month Uber credit half the months, you might value it at $60 instead of $120.

$100 Annual Hotel Benefit

What It Is:	$100 off one hotel stay of $500+ (pre-tax) each calendar year when booked through Citi Travel.
How It Works:	Book on CitiTravel.com or by phone; the $100 discount is applied instantly at checkout for an eligible single stay.
Gotchas:	Only one stay per year qualifies; $500 minimum excludes taxes/fees; must be booked through Citi Travel (not direct). Room options and prices can differ from booking direct.
Who Actually Benefits:	Anyone who books at least one $500+ hotel stay yearly and doesn't mind using the bank's portal.
Practical Value:	Very close to a real $100 if you already book a $500+ hotel annually; otherwise $0.

Include:

Your Value:

Annual Fee: $95

Your Credits: $0

YOUR Annual Fee: $95

This is effectively what you are paying for this card. It is now up to you if the perks, protections, and earning rates are worth this fee to you over other cards.

Perks

Earning structure (quick recap) – 10x hotels, car rentals, attractions via Citi Travel; 3x air travel and other hotel purchases; 3x restaurants; 3x supermarkets; 3x gas & EV charging; 1x everything else. Useful mix for most travelers.
Point transfers – Move ThankYou points to airline and hotel partners (examples include JetBlue, Virgin Atlantic, Cathay Pacific, EVA Air, Choice Hotels, The Leading Hotels of the World). Great when you can find saver awards; check partner list before planning. — See transfer partners
No foreign transaction fees – Keep the same earn rates abroad without extra fees. Handy for international trips.
Citi Travel portal – Book flights, hotels, car rentals, and attractions with cash, points, or a mix. Useful for using the hotel credit and occasional portal promos.
Citi Entertainment – Access presales and select event offers. Nice to have if you go to concerts or sports.

Protections

Summaries; always read the full guide before relying on coverage.

Trip Cancellation & Interruption (Common Carrier) – Reimburses nonrefundable prepaid travel if you cancel or cut a trip short for covered reasons (e.g., illness). Limits: up to $5,000 per covered trip and $10,000 per eligible account per 12 months. Must charge the common-carrier fare to the card (or card + points). Good safety net for flights.
Trip Delay – If your common-carrier trip is delayed more than 6 hours, covers reasonable expenses (meals, hotel, toiletries). Limits: up to $500 per trip, 2 claims per 12 months. Helpful for overnight delays.
Lost or Damaged Luggage – For checked or carry-on luggage damaged or lost by the carrier. Limits: up to $3,000 per trip (specific caps apply in some states). Good for replacing essentials if the airline drops the ball.
Rental Car Coverage (MasterRental) – Collision/damage waiver when you pay with the card and decline the rental company's coverage. Secondary coverage in your country of residence; primary abroad. Covers actual repair or cash value and certain loss-of-use fees; rentals up to 31 days; excludes luxury/exotic classes. Saves you from buying the counter waiver.
Purchase Protection – New items bought with the card are covered for damage or theft within 90 days, up to $10,000 per incident and $50,000 per account per year. Good for accidental drops and quick "oops" moments.
Extended Warranty – Adds 24 months to the original U.S. manufacturer's warranty (total max 7 years from purchase), up to $10,000 per item. Can save you from buying store warranties.