Citi Strata Premier Card

Citi Strata Premier Card is a travel card from Citi with a $95 annual fee, 60,000 thankyou points after $4,000 in 3 months, and good to excellent credit.

Why we like it

Its strongest earning category is Dining at 3%, backed by 1% on general spending. It also avoids foreign transaction fees.

Earn elevated rewards with 3% on Dining, 3% on Gas and 3% on Groceries, plus 1% on other purchases.

• 3.0% on dining
• 3.0% on groceries
• 3.0% on travel
• 3.0% on gas

Welcome offer

60,000 ThankYou points after $4,000 in 3 months

Bonus value estimate: $750 · Spend requirement: $4000 in 3 months

People focused on travel rewards who can justify a $95 annual fee and who typically have good to excellent credit.

Qualification snapshot

Recommended credit: Good to excellent credit. Published score range: 700-850.

Historical approval estimate in the current dataset: 60%

Pros

• 60,000 ThankYou points after $4,000 in 3 months
• Potentially worthwhile if you use the card enough to cover the $95 annual fee
• Earns 3% on Dining
• Earns 3% on Groceries

Tradeoffs

• Annual fee of $95 means you need ongoing value from the card
• Typically requires good to excellent credit
• Signup bonus requires $4000 in spending within 3 months
• Base rewards on non-bonus spending are relatively modest