Citi Strata Premier Card

Citi · Personal card · Checked against Citi's terms Oct 26, 2026

The Citi Strata Premier earns 3x Citi ThankYou points on flights and hotels, at restaurants, at supermarkets and at gas stations and EV charging; and 1x Citi ThankYou points on everything else. $95 a year. earnrate counts Citi ThankYou points at 1¢ each; transferring to airlines or hotels can be worth up to about 1.9¢.

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Earning rates

1. 10
   Hotel through Citi Travel, Car rental through Citi Travel and Attraction through Citi Travel 10x Citi ThankYou points
   Booked on the Citi Travel site (cititravel.com or 1-833-737-1288). Only the part paid with the card earns, not the part paid with points or offset by the $100 Annual Hotel Benefit.

   “10 points per dollar spent on Hotels, Car Rentals and Attractions booked on cititravel.com” citi.com

2. 3
   Flights and hotels 3x Citi ThankYou points
   Airlines, and hotels not booked through Citi Travel. Air travel booked through Citi Travel also falls here.

   “3 points per dollar spent on Air Travel and Other Hotel Purchases” citi.com

3. 3
   Purchases coded MCC 4722 3x Citi ThankYou points
   Citi counts travel agency purchases in its air travel and other hotels category.

   “Includes purchases at airlines, hotels (not booked through the Citi Travel site via” citi.com

4. 3
   Restaurants 3x Citi ThankYou points
   Includes cafes, bars, lounges, fast food, takeout and restaurant delivery services. Excludes bakeries, caterers and restaurants inside another business (hotels, stores, stadiums, grocery stores, warehouse clubs).

   • Not at Dodger Stadium or Bellagio

   “3 points per dollar spent at Restaurants” citi.com

5. 3
   Supermarkets 3x Citi ThankYou points
   Excludes superstores, warehouse clubs, convenience stores, drugstores, specialty food markets, bakeries and meal kit delivery. Online supermarkets and grocery delivery count only if the merchant uses the supermarket merchant code.

   • Not at superstores, warehouse clubs, convenience stores or drugstores and pharmacies

   “3 points per dollar spent at Supermarkets” citi.com

6. 3
   Gas stations and EV charging 3x Citi ThankYou points
   Only merchants coded as gas stations or EV charging. Excludes warehouse clubs, discount stores, department stores and convenience stores.

   • Not at gas at superstores and warehouse clubs

   “3 points per dollar spent on Gas & EV Charging Stations” citi.com

7. 1
   Everything else 1x Citi ThankYou points

   “1 point per dollar spent on All Other Purchases” citi.com

Public welcome offer

60,000 Citi ThankYou points after $4,000 in purchases in 3 months, per the issuer's page. Offers vary by person and by how you apply. Not available if you currently have or previously had a Citi Strata Premier or Citi Premier account; Citi may also decline the bonus based on your history of opening, closing and using credit cards. This page doesn't state a 48-month rule.

Sources

• citi.com/credit-cards/citi-strata-premier-credit-card

Rankings compare personal cards, each set up at its best for the purchase, with points at earnrate's default value. Rates change; check Citi's terms before you apply.