【September 28, 2026 update】 Citi’s Strata cards have started enforcing a lifetime one-bonus policy. The old 48-month reapply window is gone.😠

Applying through Rakuten also adds $150 cash back. Details are in the Welcome offer section below.

Highlights

  • You can hold it long-term at low cost, or even at no net cost.
  • Earn 10 ThankYou Points per $1 on hotels, car rentals, and attractions booked through Citi Travel.
  • Earn 3x on everyday air travel, hotels not booked through Citi Travel, restaurants, supermarkets, gas stations, and EV charging.
  • Once each calendar year, an eligible Citi Travel hotel booking can take an instant $100 off.
  • The primary-card annual fee is $95. There is no foreign transaction fee and no authorized-user fee.
Citi Strata Premier Card

Issuer: Citi
Payment network: Mastercard
Type: Credit card
Annual fee: $95 for the primary card; authorized users are free
Foreign transaction fee: none

Everyday spending earns ThankYou Points in Citi ThankYou® Rewards. You can use them through Citi Travel, gift cards, cash back, and similar redemptions, or transfer them to Citi’s then-available airline and hotel partners. Citi does not publish a fixed cash value for the points.

Welcome offer

【September 28, 2026 update】 60,000 ThankYou Points + $150 in third-party cash back:

  • Spend $4,000 in the first three months for 60,000 ThankYou Points.
  • Current or previous holders of a Citi Strata Premier® or Citi Premier® account are not eligible for this new-cardmember bonus; Citi may also decide eligibility from your history of opening, closing, and using cards.
  • Apply through Rakuten for an extra $150 cash back.

Sign up at Rakuten.com through the recommended signup link🔗 ($50 cash back after $50 in purchases within 90 days). After you register, search “Citi Strata Premier Card” on Rakuten.com to find the apply link.

Rakuten bonus for Citi Strata Premier
Previous welcome offers

【September 2025 update】 60,000 points:

  • Spend $4,000 in the first three months.

【May 2024 update】 75,000 points:

  • Spend $4,000 in the first three months.

Everyday spending

10x: Hotels, car rentals, and attractions booked through Citi Travel (cititravel.com or 1-833-737-1288) earn 10 ThankYou Points per $1. On mixed points-and-card payments, only the amount charged to this card earns points. Cancelled bookings do not.

3x: Airlines, hotels not booked through Citi Travel, and travel agencies earn 3 ThankYou Points per $1.

3x: Eligible restaurant purchases, including cafés, bars, lounges, fast food, and restaurant delivery or takeout, earn 3 ThankYou Points per $1. Bakeries, caterers, and restaurants inside hotels, stores, stadiums, supermarkets, or warehouse clubs do not earn 3x when the merchant category code is not a restaurant category.

3x: Eligible supermarket purchases earn 3 ThankYou Points per $1. Discount superstores, warehouse clubs, pharmacies, convenience stores, specialty food stores, bakeries, and meal-kit delivery are not supermarket categories. Whether online grocery or grocery delivery counts depends on the merchant category code.

3x: Eligible gas stations and EV charging stations earn 3 ThankYou Points per $1. Warehouse clubs, discount stores, department stores, convenience stores, and other transactions not processed under the matching merchant category code do not earn 3x.

1x: Other eligible purchases earn 1 ThankYou Point per $1. Returns and refunds reverse points. Balance transfers, cash advances, account fees, money orders, wire transfers and other cash-like transactions, lottery, and gambling do not earn points. Citi currently does not publish a total earning cap.

Benefits & insurance

  • $100 Annual Hotel Benefit

Once each calendar year, a single Citi Travel hotel stay of $500 or more before taxes and fees can take an instant $100 off. The primary cardmember must book it and prepay the full stay with this card, ThankYou Points, or both. Air-plus-hotel or hotel-plus-car packages, and bookings outside Citi Travel, are not eligible. If you cancel a stay that used the benefit, you can use it again in the same calendar year. The amount offset by this benefit does not earn points.

  • The Reserve by Citi Travel®

Choose an eligible The Reserve rate at Citi Travel checkout for daily breakfast for two, complimentary Wi-Fi, a $100 experience credit, and, subject to availability, early check-in, late checkout, and a room upgrade. The experience credit is provided by the hotel and may require a reservation. Benefits vary by hotel, can be used only during that stay, and unused value is not compensated or paid out in cash.

  • Transfer your ThankYou® Points

ThankYou Points can transfer to partners such as American Airlines, JetBlue, Virgin Atlantic, Cathay, EVA Air, Choice Hotels, and The Leading Hotels of the World®. Citi says the partner list and redemption terms can change; check the rules in your ThankYou account before transferring.

  • No foreign transaction fees

Purchases in a foreign currency or made abroad do not incur Citi’s foreign purchase fee. A merchant’s currency conversion method or dynamic currency conversion fees are not part of what Citi waives under this benefit.

  • Citi Entertainment®

Cardmembers can use Citi Entertainment for presale tickets and exclusive experiences at selected concerts, sports, arts, and cultural events. Specific events, ticket quantities, eligibility, and terms follow Citi Entertainment’s then-current pages.

  • Mastercard® ID Theft Protection

This Mastercard program requires the cardmember to enrol for free. After enrolment, it monitors the information you choose to protect and alerts you if it finds suspicious activity. Citi’s product page does not publish the monitoring scope or the details of any remediation service.

  • Citi® Quick Lock

You can pause new card purchases in the Citi Mobile® App or Citi Online; recurring charges can still process. Unlock the card after you find it. How a given transaction is treated follows Citi’s rules at the time.

  • Citi® Flex Pay

Eligible purchases of $75 or more can be placed on a Citi Flex Pay instalment plan and still earn points. The account must be in good standing, under the credit limit, and eligible for that plan. The actual term, fee, or APR is set by the specific plan Citi offers.

Travel insurance

  • Trip Delay Protection

  • Enhanced Trip Cancellation and Trip Interruption Protection

  • Lost or Damaged Luggage

  • MasterRental Coverage

Shopping insurance

  • Damage & Theft Purchase Protection

  • Extended Warranty

Take

This is a new-generation catch-all card. It can unlock a Citi trifecta, in a similar role to Chase’s trifecta. Its earn rates are broader than Chase CSP, covering groceries plus gas and EV charging. If you can actually use the annual $100 hotel credit, it is a strong hold (right now it looks hard to use). Travel insurance is in the same neighbourhood as CSP, but the rental-car coverage is secondary, which is a meaningful gap versus Chase’s primary coverage.