Points · Mastercard · $95 annual fee
Last verified 2026-09-09. Review issuer source
Citi Strata Premier is a $95-a-year points card from Citi. Its best everyday rates are 3x on airfare, 3x on dining, and 3x on gas stations; everything else earns 1x. The 10x rate applies only to attractions booked through CitiTravel.com, so treat it as a bonus rather than the reason to apply.
On our reference budget of $24,600 a year it earns $756, which clears the $95 fee with $661 to spare before any credits or perks. The welcome bonus, 60,000 points after $4,000 in 3 months, is the strongest reason to open it in a given year.
Pay the fee if you will redeem for travel or transfer points to partners. For cash back, a no-fee flat-rate card earns nearly as much with less to think about.
Earn 3X ThankYou® Points per $1 on Air Travel
Earn 10 ThankYou® Points per $1 spent on Attractions booked through CitiTravel.com
Earn 10 ThankYou® Points per $1 spent on Car Rentals booked through CitiTravel.com
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
Earn 10 ThankYou® Points per $1 spent on Hotels booked through CitiTravel.com
Earn 60,000 bonus points after spending $4,000 in the first 3 months
Enjoy $100 off a single hotel stay of $500 or more, excluding taxes and fees, through thankyou.com, once per calendar year.
Citi 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.
Transfer ThankYou Points to participating airline loyalty programs including TrueBlue, Virgin Atlantic Flying Club and Singapore Airlines KrisFlyer, to get flights faster. There is no fee, and the minimum transfer is only 1,000 points.
Help 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).
These come from Mastercard, not from Citi. Every card on the World Elite Mastercard tier carries them, so they should not decide between two cards.
Call 1-800-MASTERCARD (1-800-627-8372) for 24/7 assistance to report a lost or stolen card.
Enroll in HealthLock for Mastercard Medical Claim Monitor complimentary membership plus a 90-day upgrade to all HealthLock services at no monthly cost.
Groceries and more delivered in as fast as one hour. Get $10 off your second order each month, and new Instacart+ members can also get three free months of Instacart+. Offer expires 1/31/2027.
More rides means more adventure. Take three rides in a month with Lyft to earn a $5 credit.3* Plus, save 10% on all scheduled rides to or from U.S. airports when you pay with your World Elite or World Legend Mastercard. Offer expires 1/31/2027.
Get exclusive PGA TOUR® experiences and access amazing golf benefits with our Golf Concierge Service.
Monitor your credit file for fraud, get alerts for suspicious activity and access a resolution specialist.
Mastercard gives you exclusive access to premium preferred seats and ticket presales at top venues and festivals across the U.S. Eligibility restrictions, exclusions and terms apply. Offer expires 3/31/2027.
Save 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.
Browse exclusive Mastercard benefits, book travel, get hotel upgrades and more.
Get $3 off Peacock Premium or Peacock Premium Plus each month when you use your World Elite or World Legend Mastercard to subscribe. Watch new movies from theaters, buzzworthy original series, hit TV shows, live sports and so much more. Eligibility restrictions, exclusions and terms apply. Offer expires 12/31/2027.
Enjoy experiences in culture, dining, sports, entertainment and more in over 45 exciting destinations around the globe.
With Mastercard Zero Liability protection you’re protected against unauthorized transactions in stores, online and in app.
Complimentary 24/7 concierge agent for lifestyle needs, travel bookings and event access.
Benefit descriptions are the issuer’s and network’s own wording, trimmed for length. Limits and exclusions are in the guide to benefits.
| Card | Annual fee | Rewards earned | Net after fee | Rank |
|---|---|---|---|---|
| Citi Strata Premier®This card · 3x on airfare | $95 | $756 | +$661 | 3rd of 1,291 |
| Citi Double Cash®Citi's most-held other card · 2% on everything | None | $492 | +$492 | 282nd of 1,291 |
| Savor RewardsThe strongest no-fee card on this budget · 3% on dining | None | $642 | +$642 | 4th of 1,291 |
| Robinhood Gold CardHighest net return on this budget · 3% on everything | $50 | $798 | +$748 | 1st of 1,291 |
Reference budget: groceries $6,000, dining and restaurants $3,600, gas and ev charging $2,400, travel and transit $3,000, online shopping $2,400, entertainment and streaming $1,200, everything else $6,000. Points are valued at 1¢ unless the program is worth less; statement credits, welcome bonuses, and perks are left out. Run it with your own spending.
