Citi Strata Premier® - Travel Credit Card
$95 a year. Purchase APR 19.74 –27.74 %, variable.
- Annual fee
- Issuer's pageciti.com
“Annual fee - $95 .”
- Purchase APR
- Issuer's pageciti.com
“The variable APR for purchases, and balance transfers is 19.74 % - 27.74 %, based on your creditworthiness.”
- Foreign transaction fee
- Issuer's pageciti.com
“No foreign transaction fees 1”
We don't earn anything from this link. Select any underlined figure to see where it comes from.
What it's worth
| Spending | First year | After |
|---|---|---|
| Light spender | $145 | $145 |
| Typical spender | $470 | $470 |
| Heavy spender | $1,140 | $1,140 |
The spending each assumes, a month
- Light spender: groceries $300, dining $100, gas $100, everything else $500
- Typical spender: groceries $600, dining $300, gas $200, travel $150, everything else $1,250
- Heavy spender: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500
Assumed: points valued at an assumed 1¢.
Estimates from the published terms above, as checked Oct 4, 2026; not advice. How we value cards
How it compares
- Worth more to a typical spender than about 90% of the 650 cards we track.
- Lower top APR than about 40% of the 577 cards we track.
Shares rounded to 5 points. Fees and APRs as stated; value for our typical spender. Method
How you earn · ThankYou® Rewards
- 10× pointsHotels, Car Rentals and Attractions booked on cititravel.com
- 3× pointsAir Travel
- 3× pointsOther Hotel Purchases
- 3× pointsRestaurants
- 3× pointsSupermarkets
- 3× pointsGas & EV Charging Stations
- 1× pointsEverything else
Rates and fees
| Annual fee | Issuer's pageciti.com “Annual fee - $95 .” |
|---|---|
| Purchase APR | Issuer's pageciti.com “The variable APR for purchases, and balance transfers is 19.74 % - 27.74 %, based on your creditworthiness.” |
| Balance transfer APR | Issuer's pageciti.com “The variable APR for purchases, and balance transfers is 19.74 % - 27.74 %, based on your creditworthiness.” |
| Balance transfer fee | Issuer's pageciti.com The source states this figure; we have no exact sentence on file yet. |
| Cash advance APR | Issuer's pageciti.com “The variable APR for cash advances is 29.99 %.” |
| Cash advance fee | Issuer's pageciti.com “Cash advance fee - either $ 10 or 5 % of the amount of each cash advance, whichever is greater.” |
| Penalty APR | Issuer's pageciti.com “The variable penalty APR is up to 29.99 % and may be applied if you make a late payment or make a payment that is returned.” |
| Foreign transactions | Issuer's pageciti.com “No foreign transaction fees 1” |
| Minimum interest charge | Issuer's pageciti.com “Minimum interest charge – $ 0.50 .” |
Carrying a balance? See how long it takes to pay off
Benefits
- No foreign transaction fees.
- Travel protection benefits are listed for Trip Cancellation and Trip Interruption (Common Carrier), Trip Delay, Lost or Damaged Luggage, and MasterRental Coverage (Car Rental).
- Citi Entertainment® provides eligible Citi credit card customers special access to presale tickets and exclusive experiences.
- Citi Travel® offers access to over 1.4 million hotels and resorts worldwide.
- No limit to the amount of points earned.
- Contactless payment and digital wallet support.
- Free access to view your FICO® Score.
- Trip cancellation
- Trip delay
- Baggage
- Rental car
Questions
Other points cards with fees up to $100
- Bilt ObsidianBilt · $95 a year−$30 a year
- Bank of America Premium RewardsBank of America · $95 a year−$90 a year
- Royal ONE PlusBank of America · $99 a year−$135 a year
Against this card, for our typical spender's value (rewards and credits minus fees, after the first year).