Strata Premier Review 2026
EDITOR'S PICKUpdated Feb 16, 2026·CardStack Data Team
Quick Answer
The Strata Premier earns 10.0X on citi_travel, 3.0X on dining, 3.0X on groceries, 3.0X on gas, 3.0X on air_travel, 1.0X on all_purchases with a $95 annual fee. The current signup bonus is 60,000 points (worth $600 at portal rates) after $4,000 spend. Points transfer 1:1 to airline and hotel partners.
4.2/5
Overall
5.0/5
Rewards
4.5/5
Benefits
3.0/5
Value
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Rewards Structure
| Category | Rate | Effective ¢/$ | MCCs |
|---|---|---|---|
| citi_travel | 10X pts/$ | 10.00¢ | Varies |
| dining | 3X pts/$ | 3.00¢ | Varies |
| groceries | 3X pts/$ | 3.00¢ | Varies |
| gas | 3X pts/$ | 3.00¢ | Varies |
| air_travel | 3X pts/$ | 3.00¢ | Varies |
| all_purchases | 1X pts/$ | 1.00¢ | Varies |
| Everything Else | 1X pts/$ | 1.00¢ | All |
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Signup Bonus Value
60,000 points CITI Points
Spend $4,000 in first 3 months
Cash / statement credit$600
Portal redemption (1.00¢/pt)$600
Maximum value$600
Benefits
Trip Cancellation and Interruption Protection
$1,500
Trip Delay Protection
$500
Baggage Delay Protection
$100
Car Rental Collision Damage Waiver
Included
Citi Purchase Protection
$10,000
Extended Warranty
Included
Effective Annual Fee
Annual fee–$95
Net annual cost–$95 effective cost
Financial disclaimer: CardStack is not a financial advisor. Credit card terms, APRs, and fees are set by CITI and subject to change. Verify all information on the issuer's website before applying.
Strengths and Weaknesses
Strengths
- Signup bonus worth up to $750
- 10X top earn rate on bonus categories
- 1:1 transfer to airline and hotel partners
- No foreign transaction fees
- Low annual fee with strong return on value
Weaknesses
- $95 annual fee
- 1X base rate on non-bonus spending
Who This Card Is For
Point Maximizers
Transfer partners unlock premium redemption value
Foodies & Diners
Bonus earning on restaurants and delivery
International Travelers
No foreign transaction fees
Value Seekers
Strong rewards relative to $95 fee
Frequently Asked Questions
Is the Strata Premier worth $95/year?
For moderate spenders, generally yes. The Strata Premier offers rewards and benefits that typically exceed the $95 annual fee for anyone who uses the bonus categories regularly.
What credit score is needed for the Strata Premier?
Most successful applicants have a credit score of 670 or higher. Higher scores significantly improve approval odds.
What is the current signup bonus for the Strata Premier?
The current signup bonus is 60,000 points. Check the issuer's website for the latest offer details and spending requirements.
Methodology
This review draws on data from 35+ independent sources including official product pages, the CFPB Credit Card Agreements Database, community approval datapoints, expert point valuation sources, and our proprietary MCC verification database. Rankings are data-driven with no affiliate influence on placement. Card terms were last verified on February 16, 2026. Full methodology: cardstack.co/methodology.