Citi Strata Premier Card
A $95 transfer-partner card with an unusually broad set of bonus categories — air, hotels, restaurants, supermarkets, and gas.
- Annual fee
- $95
- Why it exists
- Wide bonus categories feeding Citi ThankYou transfer partners
- The decision
- Do you actually transfer? If not, a flat 2% card wins
Fits
People who want transferable points without curating spend into one category.
Doesn't fit
Anyone who redeems for statement credits — the categories only pay off on transfers.
What changed on this card
Documented changes only. If we haven't verified it against the issuer's own terms, it isn't on this timeline.
- Better for you
Citi Premier became Citi Strata Premier, adding 10x on hotels, car rentals, and attractions booked through Citi Travel plus a $100 annual hotel benefit — fee unchanged at $95
The added value is locked inside Citi's own booking portal. If you book direct for status or flexibility, treat the rename as cosmetic and judge the card on its everyday categories.
What's the answer for this card?
What we checked
- 1Citi Strata Premier Card — rates, fees, and rewards terms
Citi — Published annual fee and bonus category structure.
- 2Issue spotlight: credit card rewards
Consumer Financial Protection Bureau — Federal analysis of how rewards, credits, and devaluations work in practice.