Annual Fee
$95
Foreign Txn Fee
$0
Credit Needed
Good to Excellent (690+)
APR
20.24%–28.24% variable
Rewards Categories
10x Hotels, car rentals, attractions via Citi Travel
3x Air travel, other hotel purchases
3x Restaurants
3x Supermarkets
3x Gas stations and EV charging
1x All other purchases
Benefits
Citi Premier was rebranded to Citi Strata Premier — same product line
$100 off a single hotel stay of $500+ once per calendar year via Citi Travel
Points transfer to 15+ airline/hotel partners (JetBlue, Virgin Atlantic, Cathay Pacific, American Airlines, Choice, more)
Trip cancellation/interruption, trip delay, lost/damaged luggage coverage
Mastercard World Elite benefits including Lyft credit
No foreign transaction fees
Citi Entertainment presale access
Welcome Bonus
60,000 bonus ThankYou Points after spending $4,000 in first 3 months (~$600 value)
Pros & Cons
Pros
Broad 3x categories cover gas, groceries, dining, and air travel — easy to maximize
10x on Citi Travel hotels/cars is a standout rate
No foreign transaction fees at a relatively low $95 fee
Cons
Recently rebranded, which can cause confusion when comparing reviews/offers under the old "Citi Premier" name
$100 hotel credit requires a single $500+ booking
Transfer partner list is smaller than Chase or Amex
Best For / Worst For
Best For
People who want broad 3x categories on common spending without a high fee
Worst For
Those who want it specifically for airline transfer partners Citi doesn't offer (e.g. United, Delta)
Reward Valuation
ThankYou Points valued around 1.7–1.8 cents when transferred to airline/hotel partners.
Points Value Breakdown
Average Value
1.75¢/point
Travel Redemption
1¢/point
Transfer Partner Value
1.80¢/point
Statement Credit Value
1¢/point
Cash-Out Value
1¢/point
Example
60,000 welcome bonus points ≈ $1,080 transferred to JetBlue or Virgin Atlantic at ~1.8¢ each, versus $600 redeemed as a flat statement credit at 1¢ each.
Statement Credits
Hotel Savings Credit
$100/yr
Off a single hotel stay of $500+ via Citi Travel, once per calendar year
Transfer Partners
JetBlue TrueBlue
Useful for JetBlue award flights
1:1
Virgin Atlantic Flying Club
Good for partner airline awards including ANA and Delta
1:1
Cathay Pacific Asia Miles
Useful for Oneworld awards
1:1
Choice Privileges
Good for budget hotel stays
1:1
Travel Protections
Trip Cancellation/Interruption
Coverage for prepaid, non-refundable expenses
Trip Delay Protection
Reimbursement for delays meeting policy criteria
Lost/Damaged Luggage
Coverage for checked and carry-on baggage
Insurance Benefits
World Elite Mastercard Benefits
Includes Lyft credits and other Mastercard perks
Approval Odds
Generally requires good to excellent credit (690+). Subject to Citi's general restrictions on recent card approvals/closures.
Historical Welcome Offers
June 2026
60,000 points after $4,000 spend in 3 months
2025 (as Citi Premier)
High Offer60,000-75,000 points after $4,000 spend
User Reviews
May 2026
Solid all-around points card
The 3x categories hit almost everything I spend on. Wish it had more airline partners but still a great value at $95.
— Q.J.
Comments
No comments yet. Be the first to share your thoughts.
Similar Cards
Chase Sapphire Preferred® Card
American Express® Gold Card
Capital One Venture Rewards Credit Card
Last verified June 2026