Citi Strata Premier
Every rate below is the issuer’s own, verified October 2, 2026.
Terms apply. See rates & fees on Citi. Rankings are pure math, never sold.
How it earns
Every rate here is the issuer’s published number. Points are valued at what this door can redeem them for: cash-back at the statement-credit rate, travel at the issuer’s travel rate.
What it pays at a typical spend
Our travelling sample family spends $800 a month on groceries, $200 on dining, $250 on gas, $500 on travel and $600 on everything else. Figures as of October 2, 2026, the day the terms were last verified.
At that spending the Citi Strata Premier nets $1,207 in year one and $607 every year after, fee included. The biggest line is groceries, at $288. The welcome bonus counts, because this spending reaches $4,000 inside 3 months. Points are counted at 1 cent each, the travel rate, never the higher figure a transfer partner might reach. For our travelling sample family, it places third of the 5 travel cards we’ve confirmed.
The Capital One Venture, just above it among the confirmed cards, nets $12 more in year one. The Wells Fargo Autograph, just below it, nets $497 less. Judged on every year after the first instead, it places first of the 5 travel cards we’ve confirmed.
Who it fits
It fits if
- You spend a lot on travel, dining, groceries and gas: it earns 3x there.
- You spend $1,172 a month or more in the mix above: from there it beats every no-fee card we check from year two, fee paid.
Look elsewhere if
- Most of your spending sits outside its categories: the rest earns 1x.
- You cannot put about $1,334 a month on it for 3 months: the $600 bonus pays nothing below $4,000.
- You spend less than $1,172 a month: below that, the Wells Fargo Autograph pays as much or more every year after year one.
- Your credit is fair or thin: approval usually needs good credit.
Plain facts
- Who gets approvedGood credit, around 670+. Typically ~good credit or better (estimate; issuer does not publish a score). Citi pays no bonus if you have, or ever had, a Strata Premier or a Citi Premier card.
- The issuer’s terms governRates, fees and bonus conditions are set by Citi and change without notice. Confirm the current offer before you apply.
- Where these numbers came fromCollected by hand from Citi’s own published terms, last verified October 2, 2026. An automatic check re-reads that page every day. On October 19, 2026 all 5 of the figures it watches here were still printed there. How we check
What people ask about it
Is there a cap on what it earns?
No. Its rates apply to all of your spending, with no yearly cap.
How do you value the welcome bonus?
60,000 points at 1 cent each as cash is $600, and at 1 cent through travel, $600. We count it only once your spending reaches $4,000 in 3 months.
What does it earn on each purchase?
3x on travel, 3x on dining, 3x on groceries and 3x on gas, and 1x on everything else.
Where it shows up
Every ranking and comparison with the Citi Strata Premier in it, each computed the same way.
- Best card for travelCapital One Venture X first, at $1,319 in year one.
More cards like this
- Yearly fee $395Capital One Venture XCapital One · for one card on everything, 2x, and 10x on hotels and rental cars booked through Capital One Travel
- Yearly fee $95Capital One VentureCapital One · for one card on everything, 2x, and 5x on hotels, vacation rentals and rental cars booked through Capital One Travel
- Yearly fee $0Wells Fargo AutographWells Fargo · for dining, travel and gas, 3x
The three travel cards beside this one on our list of every card. See every card