Strata Premier
Citi$95 a yearWorld Elite MastercardNo foreign transaction feeIssuer's page
Wait for a bigger offer if you can: a higher one ran recently.
Already have it? Keep it.
Welcome bonus
60,000points
after $4,000 in purchases in the first 3 months
Lower than the 75,000-point offer we last recorded in February 2026.
48 Month Rule, 1 per 8 Days and 3 more. Am I eligible?
A typical spender, at Miles' point values.
| First-year value | Amount |
|---|---|
| Welcome bonus60,000 points at 1.5¢ | $900 |
| Rewards above a 2% no-fee cardvs Double Cash, on $32,500 typical spend | +$363 |
| Hotel via Citi Travelof $100 face value | +$57 |
| Annual fee | −$95 |
| Meeting the $4,000 minimumearns 1.5% here vs 2% on Double Cash | −$20 |
| First year | $1,205 |
| Each year after | +$500 |
Not counted in the first year: protections (each year after counts them).
Earning
| Rate | Category | Return |
|---|---|---|
| 3X | Grocery Stores | 4.5% |
| 3X | Dining | 4.5% |
| 3X | Gas Stations | 4.5% |
| 3X | Flights | 4.5% |
| 1X | Everything else | 1.5% |
+ 4 more rates
| Rate | Category | Return |
|---|---|---|
| 3–10X | Hotels10X booked through Citi Travel, 3X elsewhere | 4.5–15% |
| 10X | Attractions booked through Citi Travel | 15% |
| 10X | Car rentals booked through Citi Travel | 15% |
| 3X | EV charging | 4.5% |
Noteworthy perks
- Hotel via Citi Travel$100 a year
Personal card · Earns Citi ThankYou Rewards · Authorized user fee $0
Where this card ranks
- Tied best card for gas4.5%
- Listed among 147 cards for dining4.5%
- Listed among 119 cards for groceries4.5%
- Listed among 91 cards for flights4.5%
- Listed among 99 cards for hotels4.5%
What this card returns on each page, priced against what its points are worth. Open a page to see the card it crowns and why.
Benefits
Credits & Perks (1)
- Hotel via Citi Travel: $100 (Annual Calendar Year)
Instant discount on hotel stays of $500 or more (excluding taxes) when booked through cititravel.com. Applied automatically at checkout
Protections (6)
- Trip Delay, up to $500, Up to $500 per trip for delays; round-trip travel must be paid in full with card
- Trip Cancellation/Interruption, up to $5,000, Up to $5,000 per trip for eligible non-refundable expenses; round-trip travel must be paid in full with card
- Lost Luggage, up to $3,000, Up to $3,000 per trip for lost or damaged luggage. Limit of 2 claims per 12 months. Must pay common carrier fare with card.
- Extended Warranty, up to $10,000, Adds up to 24 months to manufacturer's warranty (max 5 years original)
- Purchase Protection, up to $10,000, Coverage against damage or theft for 90 days from purchase date
- Auto Rental Collision Damage Waiver (secondary), MasterRental coverage for rental car damage or theft. Max 31 days. Secondary in country of residence, primary outside.
Other Perks
- Citi Entertainment presale access to exclusive events
- The Reserve by Citi Travel: curated luxury hotels with perks including daily breakfast for two, $100 experience credits, and room upgrades
- Complimentary FICO Score access
The Citi Strata family
Sources and methodology
First-year value is Miles' estimate for a typical spender: the welcome bonus at Miles' point values, plus the rewards this card earns above the best no-annual-fee card's everyday rate on a typical year of spending, plus credits at the share a typical holder uses rather than their face value, plus any certificate or free night earned in that year, minus the first-year fee and the cost of putting the minimum spend on this card instead of that one.
Lounge access, elite status, other benefits, purchase and travel protections, and a certificate or free night that arrives on the card's anniversary are listed beside the first-year figure, not in it. Each year after counts them, with the rewards and credits, less the annual fee. A credit or benefit that needs a spend or a stay counts only where its condition is printed beside it, and credits gated on spend most people never reach are left out.
The fee, offer, earning rates, credits and protections come from the card's record in the Miles dataset, kept against the issuer's own terms. The verdict line is chosen from a fixed set of sentences by Miles' analysis of the offer and the card; nothing on this page is written by hand for one card.
Recent changes
- changed from null to Strata PremierOct 8, 2026
- changed from false to trueSep 26, 2026
- changed from Slug: citi-strata; Tier: 2; Tier name: Strata; Slug: citi-strata-elite-card; Tier: 3; Tier name: Elite to Slug: citi-strata; Tier: 1; Tier name: Strata; Slug: citi-strata-elite-card; Tier: 3; Tier name: EliteSep 26, 2026
- changed from 1 to 2Sep 26, 2026
- changed from null to 4000Aug 13, 2026
- changed from null to 90Aug 13, 2026