Citi Strata Premier®
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How we calculate effective rate →
The Citi Strata Premier® from Citi earns up to 2.4% effective value on dining in Madeen's catalog snapshot. Its annual fee is $95. New applicants may see: Earn 60,000 bonus points after spending $4,000 in the first 3 months.
- Top category
- Dining
- Effective value
- 2.4%
- Annual fee
- $95
Best for dining-heavy spend when the $95 fee fits your usage; confirm issuer terms before applying. Best for spenders who put meaningful volume in dining and can earn 3x points. The welcome bonus can help if you can meet the spend requirement.
What does the Citi Strata Premier earn in each category?
Dining is the strongest category at 2.4% effective value (3x points at about 0.8 cents each). That dining rate ranks higher than about 80% of the 2,850 cards we track in that category. The five-category effective-rate table on this page shows how Citi Strata Premier compares across dining, grocery, gas, travel, and other spend. Catalog spend signals highlight coffee at.
Dining is the strongest category at 2.4% effective value (3x points at about 0.8 cents each). That dining rate ranks higher than about 80% of the 2,850 cards we track in that category. The five-category effective-rate table on this page shows how Citi Strata Premier compares across dining, grocery, gas, travel, and other spend.
| Category | Earn rate | Effective value |
|---|---|---|
| Dining Restaurants, cafes, takeout | 3x points | 2.4% Top category |
| Grocery Supermarkets and grocery stores | 3x points | 2.4% |
| Gas Gas stations and fuel | 3x points | 2.4% |
| Travel Flights, hotels, transit | 3x points | 2.4% |
| Other General everyday spend | 1x points | 0.8% |
Madeen values Citi ThankYou Rewards at about 0.8 cents each. Madeen compares every card using this cash-equivalent estimate while still showing the raw earn rate for context.
What are the Citi Strata Premier reward caps and conditions?
The Citi Strata Premier has 5 notable cap or condition rule(s) in Madeen's catalog, including activation windows, spend limits, and category exclusions. Review each bullet below before assuming unlimited earn rates.
- Earn 3X ThankYou® Points per $1 on Air Travel
- Earn 3X ThankYou® Points per $1 at Restaurants
- Earn 3X ThankYou® Points per $1 on Gas Stations and EV Charging Stations
- Earn 3X ThankYou® Points per $1 at Supermarkets
- Earn 3X ThankYou® Points per $1 on Hotel Purchases
Who should get the Citi Strata Premier?
The Citi Strata Premier fits spenders who put meaningful volume in dining and can earn 3x points. Best for spenders who put meaningful volume in dining and can earn 3x points. The welcome bonus can help if you can meet the spend requirement.
Citi Strata Premier fits spenders who put meaningful volume in dining and can earn 3x points. Madeen ranks its dining effective rate higher than about 80% of the catalog in that category. Compare it against cards you already carry with Madeen — no bank login required.
Best for spenders who put meaningful volume in dining and can earn 3x points. The welcome bonus can help if you can meet the spend requirement.
Compare it against simpler no-fee cards if you want minimum complexity.
Best for dining-heavy spend when the $95 fee fits your usage; confirm issuer terms before applying.
Pros
- Strongest Madeen category is dining at about 2.4% effective (3x points).
- That dining rate ranks higher than about 80% of cards we track in the category.
- No foreign transaction fee listed.
- Welcome bonus may add value if you can meet spend requirements.
Cons
- $95 annual fee requires enough spend in bonus categories to offset.
- Multiple caps, activations, or exclusions may limit headline earn rates.
- Citi ThankYou Rewards value depends on how you redeem, not straight cash back.
What is the Citi Strata Premier welcome bonus?
In Madeen's catalog snapshot, the Citi Strata Premier welcome offer is Earn 60,000 bonus points after spending $4,000 in the first 3 months. Minimum spend, eligibility, and offer windows are set by the issuer and can change — confirm on the issuer application page before applying.
- Offer
- 60k Citi ThankYou Rewards (~$480 estimated)
- Terms (catalog snapshot)
- Earn 60,000 bonus points after spending $4,000 in the first 3 months
- Minimum spend
- $4,000
- Window
- 3Months
Does the Citi Strata Premier have an annual fee?
The Citi Strata Premier has an annual fee of $95 and a foreign transaction fee of None. Confirm current fees on the issuer page before applying.
- Annual fee
- $95
- Foreign transaction fee
- None
What benefits come with the Citi Strata Premier?
The Citi Strata Premier includes $100 Annual Hotel Savings Benefit, Citi Entertainment®, Global emergency services in our snapshot. Perks and benefits can change; verify coverage on the issuer site before you rely on them.
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Mastercard Transit Benefit
$200/yrSave when you tap and go with your eligible Mastercard and receive a $2.50 statement credit when you spend $10 or more each month at participating transit systems.
World Elite Concierge
$150/yrComplimentary 24/7 concierge agent for lifestyle needs, travel bookings and event access.
Instacart
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$100 Annual Hotel Savings Benefit
$100/yrEnjoy $100 off a single hotel stay of $500 or more, excluding taxes and fees, through thankyou.com, once per calendar year.
Priority Pass
$99/yrGet access to 1,700+ airport lounges worldwide and special offers and discounts in the terminal on dining, retail and spa experiences.
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Citi Entertainment®
$25/yrCiti Entertainment takes the once out of once in a lifetime. Get special access to purchase tickets to thousands of events, including presale tickets and exclusive experiences for the year's most anticipated concerts, sporting events, dining experiences and more.
Travel Protection Benefits
$25/yrHelp stay protected with travel insurances, including Trip Delay Protection, Common Carrier Trip Cancellation and Interruption Protection, Lost or Damaged Luggage, and MasterRental Coverage (car rental insurance).
Global emergency services
$10/yrCall 1-800-MASTERCARD (1-800-627-8372) for 24/7 assistance to report a lost or stolen card.
HealthLock
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Mastercard Golf
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Common questions about the Citi Strata Premier
Where do cardholders spend most with the Citi Strata Premier?
Madeen's RewardsCC catalog snapshot shows the strongest bonus categories on coffee (3x), fast food (3x), groceries (3x) for the Citi Strata Premier. These are anonymized issuer category signals, not individual cardholder transactions. Route everyday spend through categories that match your habits, then compare effective rates with Madeen at checkout.
Does the Citi Strata Premier have an annual fee?
The Citi Strata Premier carries an annual fee of $95 in Madeen's catalog snapshot. Issuer terms can change, so confirm the current fee on the issuer's site before you apply. Madeen does not predict approval or prequalification.
What category earns the most with the Citi Strata Premier?
Dining is the strongest Madeen category for the Citi Strata Premier at about 2.4% effective value, based on our catalog snapshot and standard point valuations. Other categories are listed in the effective-rate table on this page.
Does the Citi Strata Premier charge foreign transaction fees?
The Citi Strata Premier does not charge a foreign transaction fee in Madeen's catalog snapshot, which can make it stronger for purchases outside the U.S. Issuer terms still control international acceptance and other fees.
What is the Citi Strata Premier welcome bonus?
The Citi Strata Premier welcome offer in our snapshot: Earn 60,000 bonus points after spending $4,000 in the first 3 months. Minimum spend, eligibility, and offer windows are set by the issuer and can change.
Is the Citi Strata Premier annual fee worth it?
Whether the $95 annual fee pays off depends on how much you spend in dining and whether you use the card's benefits. Compare effective rates across the cards you already carry in Madeen.
How does the Citi Strata Premier compare to similar cards?
Compare the Citi Strata Premier against Citi Custom Cash℠ (5% on Dining, $0 fee); Citi Forward (4% on Dining, $0 fee); Citi Prestige (4% on Dining, $495 fee). Madeen ranks effective value by category and annual fee using the same catalog snapshot dated 2026-05-01.
| Card | Top category | Effective value | Annual fee |
|---|---|---|---|
Citi Strata Premier This card | Dining | 2.4% | $95 |
| Dining | 5% | $0 | |
Citi | Dining | 4% | $0 |
Citi | Dining | 4% | $495 |
| Dining | 3% | $99 |
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Madeen compares the cards you already carry for dining, groceries, gas, travel, and everyday purchases — free, no bank login required.
Citi and related product names are trademarks of their respective owners. Madeen is not affiliated with, sponsored by, endorsed by, or acting on behalf of Citi. Madeen is an independent credit-card comparison and education service. Issuer websites control current terms, fees, and eligibility.
Madeen compares cards you add to your wallet using published catalog rules — no bank login required. Issuer pages control current fees, caps, exclusions, and eligibility; Madeen does not issue cards, make approval decisions, or provide financial advice. Apply links are temporarily hidden on madeen.app. Affiliate disclosure