The Citi Strata Premier® credit card is Citi’s mid-tier travel and everyday-spend card that earns accelerated ThankYou® Points.
It runs on the Mastercard network and charges no foreign transaction fees, which is useful for international purchases.
Below you’ll find verified benefits, current rates and fees, application guidance, customer service contacts, and bank address information.
Rewards & Ongoing Benefits of Citi Strata Premier® Credit Card
This card gives a balanced travel + everyday card: strong 3X categories, no FX fees, and an easy $100 hotel perk that can offset the $95 fee.
Earning rates
10X points on hotels, car rentals, and attractions booked through Citi Travel.
3X points on air travel and other hotel purchases. Also in restaurants, supermarkets, and gas & EV charging stations.
1X point on all other purchases.
$100 Annual Hotel Benefit
Once per calendar year, get $100 off a single hotel stay of $500+ (pre-tax/fees) when you book through Citi Travel.
The discount is applied at booking.
Pay abroad or with foreign merchants without extra FX fees.
Additional perks
Citi Entertainment® presale and curated event access.
Digital wallet support and Citi® Quick Lock for security.
Travel protections such as trip cancellation/interruption (common carrier), trip delay, lost/damaged luggage, and car rental collision damage waiver.
Points transfers
Transfer ThankYou® Points to a roster of airline and hotel partners (minimums and ratios apply; partner list and transfer times may change).
Many cardholders use transfers to seek higher-value redemptions when award availability is good.
Rates & Fees (Schumer-box highlights)
Product rates, fees, and terms can change. Always confirm the latest pricing on Citi’s official card page during your application.
- Purchase & balance transfer APR (variable): 20.24%–28.24% (based on creditworthiness)
- Cash advance APR (variable): 29.49%
- Penalty APR: up to 29.99% (may apply after a late or returned payment)
- Minimum interest charge: $0.50
- Annual fee: $95
- Foreign transaction fee: None
- Balance transfer fee: $5 or 5% of each transfer, whichever is greater
- Cash advance fee: $10 or 5% of each cash advance, whichever is greater
- Citi Flex Pay plan fee (if offered/used): up to 1.72% monthly (varies by plan)
Eligibility & Applying Online
Visit the official Citi Strata Premier® credit card page and select Apply now.
Enter your personal information, income, and contact details; review all required disclosures.
Submit your application. Some applicants may be asked for additional verification before a decision.
The card is issued on the Mastercard network.
Redemptions That Make Sense
Book travel with points through Citi Travel (flights, hotels, cars, and activities) or pay with a mix of points and cash.
Gift cards, statement credits, or Shop With Points options are available in ThankYou®; redemption values vary.
Transfer points to airline and hotel partners when you find good award availability; compare cash price vs. points cost to gauge value.
Travel & Purchase Protections (Overview)
Coverage is detailed in the Your Guide to Protection Benefits for the Citi Strata Premier® credit card.
Typical inclusions may include trip cancellation, trip delay, lost or damaged luggage, and car rental collision damage waiver.
Review your benefit guide and contact the benefits administrator before you rely on any coverage.
Customer Support & Bank Address (Official)
Citi Cards—General Support (U.S.): 1-800-950-5114
Spanish support (U.S.): 1-800-947-9100
Corporate address (Citigroup): 388 Greenwich Street, New York, NY 10013
Citibank, N.A. main office (regulatory listing): 5800 S Corporate Place, Sioux Falls, SD 57108
Who This Card Fits
Travelers who want no foreign transaction fees and competitive earn rates on flights, hotels, and experiences—plus a simple $100 hotel discount each year.
Households with meaningful spending in supermarkets, restaurants, and gas/EV charging, where 3X accelerates point earnings.
Points enthusiasts who value the flexibility to transfer ThankYou® Points to partners for potentially higher redemption value.
Citi Card Comparison
Here’s a clean, side-by-side comparison so you can see when the Citi Strata Premier® credit card wins—and when another Citi card might fit better.
| Card | Annual Fee | Earn Rates (high level) | Standout Perks | Why choose this one |
|---|---|---|---|---|
| Citi Strata Premier® | $95 | 10X hotels/car rentals/attractions via Citi Travel; 3X air travel & other hotels; 3X restaurants, supermarkets, gas & EV charging; 1X other | $100 annual hotel savings on a $500+ prepaid booking via Citi Travel; travel protections; Citi Entertainment | Great all-rounder for travelers and households with steady grocery, dining, and gas/charging spend. |
| Citi Strata Elite℠ | $595 | 12X hotels/car rentals/attractions via Citi Travel; 6X air via Citi Travel; 6X dining on Citi Nights℠ (Fri–Sat 6 pm–6 am ET); 3X dining other times; 1.5X other | Priority Pass Select, 4 Admirals Club passes, $300 hotel credit (2+ nights), $200 Splurge credit, $200 Blacklane credit, Global Entry/TSA PreCheck credit | Choose if you want premium lounge access/credits and regularly book travel through Citi’s portal (or dine out on weekends). |
| Citi Custom Cash® | $0 | 5% back (in ThankYou® Points) in your top eligible category each billing cycle, up to $500; 1% after; 4% extra on hotels/car rentals/attractions via Citi Travel | Auto-optimizes your top category (restaurants, gas, grocery, select travel/transit/streaming, drugstores, home improvement, fitness clubs, live entertainment) | Pick for simple, set-and-forget 5% on whatever you spend the most on each month. Pairs well with Strata Premier for redemptions. |
| Citi Double Cash® | $0 | 2% on everything—1% when you buy + 1% when you pay (earned as ThankYou Points) | Flat-rate earnings; simple cash-back style redemptions (via ThankYou) | Choose for no-nonsense, across-the-board value—great as a “catch-all” card beside a category/travel card. |
| Citi Strata℠ (no-annual-fee) | $0 | 5X hotels/car rentals/attractions via Citi Travel; 3X supermarkets, select transit, gas & EV charging; 3X one self-select category; 2X restaurants; 1X other | Broad everyday categories; intro APR offers at times | A low-cost entry to ThankYou points with useful everyday multipliers; good starter/backup if you don’t want an annual fee. |
Bottom Line
The Citi Strata Premier® credit card combines practical everyday earning with traveler-friendly perks at a reasonable annual fee.
The mix of 10X via Citi Travel, 3X on common categories, no FX fees, and a $100 hotel savings perk creates steady value without a steep learning curve.
If the categories match your spend and you’ll use either transfers or the hotel perk annually, this card can be a solid long-term keeper.
Disclaimer: Information presented here is based on official issuer materials and U.S. regulatory records as of October 15, 2025. Rates, fees, offers, partner lists, and benefits can change at any time. Always review the current Pricing & Information, Cardmember Agreement, and benefit guides on Citi’s website at the time you apply or redeem.
