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.
Our Verdict
The Strata Premier is a points rewards card from Citi that carries a $95/yr on the visa network. At its core it earns 1.0X ThankYou Points on everyday purchases, making it straightforward for cardholders who want predictable, consistent returns.
Points enthusiasts will find the most flexibility with the Strata Premier. ThankYou Points can be redeemed for travel, gift cards, statement credits, or transferred to loyalty partners. Cardholders who maximize transfer partners often extract 1.5–2+ cents per point, well above face value.
Combined with the current signup offer of 60,000 points (worth ~$600), The $95/yr fee is the key variable — run the numbers against your actual spending. If the rewards and benefits offset the fee, this card earns its place in your wallet. If not, consider a comparable no-fee alternative.
Apply for the Strata Premier →Rewards Structure
Fee Analysis
The Strata Premier charges $95 per year. To justify this fee, you need to earn at least $95 in rewards and benefits annually.
At the base 1X earn rate (valued at ~1 cent per dollar), you would need to spend approximately $9,500/year on the card to break even on the annual fee through rewards alone — not counting perks and benefits.
Where This Card Earns Bonus Rewards
| Category | MCC Code | Bonus Rate | Example Merchants |
|---|---|---|---|
| Citi_Travel | 4722 Travel Agencies and Tour Operations | 10x | AAA, AAA Travel, Agoda, Airbnb |
| Airlines | 4511 Airlines, Air Carriers ( not listed elsewhere) | 3x | Aegean Airlines, Aer Lingus, Aeromexico, Air Arabia |
| Dining | 5812 Eating places and Restaurants | 3x | Acapulco Restaurant, Another Broken Egg, Applebee's, Applebee's - Albuquerque |
| Dining | 5813 Drinking Places (Alcoholic Beverages), Bars, Taverns, Cocktail lounges, Nightclubs and Discotheques | 3x | AMF Bowling Centers, Angry Orchard, Applebee's Bar, Bar Louie |
| Dining | 5814 Fast Food Restaurants | 3x | Arby's, Arby's - Albuquerque, Arby's - Anaheim, Arby's - Anchorage |
| Gas | 5541 Service Stations ( with or without ancillary services) | 3x | 7-Eleven, 7-Eleven - Albuquerque, 7-Eleven - Anaheim, 7-Eleven - Anchorage |
Click any MCC code or merchant name to see all cards that earn bonus rewards there.
Signup Bonus Value
Benefits
Effective Annual Fee
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
- High variable APR up to 28.74%
How to Apply
You can apply for the Strata Premier directly through Citi's website. The application takes about 5 minutes and requires your Social Security number, annual income, and housing payment information. Most applicants receive an instant decision. Note that the $95 annual fee is typically not charged until your first statement closes.
Before applying, check if you are pre-approved on Citi's website — a pre-approval uses a soft pull and does not affect your credit score.