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Here you can add a description about your company or product

© Copyright 2026 CardRewards. All Rights Reserved.

About

Blog
Contact

Product

Documentation

Legal

Terms of Service
Privacy Policy
Cookie Policy
Accessibility

Here you can add a description about your company or product

© Copyright 2026 CardRewards. All Rights Reserved.

About

Blog
Contact

Product

Documentation

Legal

Terms of Service
Privacy Policy
Cookie Policy
Accessibility

Citi Strata Credit Card vs Citi Strata Premier Card — Full Comparison (2026)

Home
/
Compare
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Citi Strata Credit Card vs Citi Strata Premier Card

Citi Strata Credit Card vs Citi Strata Premier Card

A detailed side-by-side comparison to help you choose the right card for your spending.

Citi Strata Credit Card

Citi Strata Credit Card

Citi

Citi Strata Premier Card

Citi Strata Premier Card

Citi

Annual Fee

$0

$95

Welcome Bonus

30,000 Flex point

60,000 Flex point

Base Earn Rate

1X

1X

Top Earn Categories

5X Travel

5X Car Rentals Cititravelcom

5X Hotels Cititravelcom

5X Attractions Cititravelcom

10X Hotels

10X Car Rentals

10X Attractions

3X Hotels

Network

MASTERCARD

MASTERCARD

Key Benefits

None

None

Pros

+No annual fee
+30,000 point welcome bonus
+5X points on travel booked via Citi Travel
+3X points on groceries, transit, gas, and Self-Select category
+Self-Select category flexibility (change quarterly)

+3X points on 6 everyday categories (dining, gas, groceries, flights, hotels, all travel)
+10X points on hotels, car rentals, and attractions through Citi Travel portal
+Lowest $95 annual fee among premium travel cards with transfer partners
+Transfer to 18+ airline and hotel partners including JetBlue TrueBlue and Turkish Miles&Smiles
+No foreign transaction fees for international purchases

Cons

−3% foreign transaction fee
−5X rate requires booking through Citi Travel portal
−Self-Select category can only change quarterly
−Lower transfer value compared to premium ThankYou cards

−No airport lounge access included
−Transfer partners weaker than Chase or Amex (no United, Delta, or Hyatt)
−10X portal bonus requires booking through Citi Travel, limiting flexibility
−Welcome bonus lower than competing premium cards (60K vs 75K-90K)
−Points worth less than competitors when redeemed for cash back (1 cent each)

The Bottom Line

The Citi Strata Credit Card has a lower annual fee ($0 vs $95), making it the more accessible option.

Explore More

Citi Strata Credit Card — Full Review All Citi Cards

Citi Strata Premier Card — Full Review All Citi Cards

Browse all comparisons →Browse all card categories →

Home
/
Compare
/
Citi Strata Credit Card vs Citi Strata Premier Card

Citi Strata Credit Card vs Citi Strata Premier Card

A detailed side-by-side comparison to help you choose the right card for your spending.

Citi Strata Credit Card

Citi Strata Credit Card

Citi

Citi Strata Premier Card

Citi Strata Premier Card

Citi

Annual Fee

$0

$95

Welcome Bonus

30,000 Flex point

60,000 Flex point

Base Earn Rate

1X

1X

Top Earn Categories

5X Travel

5X Car Rentals Cititravelcom

5X Hotels Cititravelcom

5X Attractions Cititravelcom

10X Hotels

10X Car Rentals

10X Attractions

3X Hotels

Network

MASTERCARD

MASTERCARD

Key Benefits

None

None

Pros

+No annual fee
+30,000 point welcome bonus
+5X points on travel booked via Citi Travel
+3X points on groceries, transit, gas, and Self-Select category
+Self-Select category flexibility (change quarterly)

+3X points on 6 everyday categories (dining, gas, groceries, flights, hotels, all travel)
+10X points on hotels, car rentals, and attractions through Citi Travel portal
+Lowest $95 annual fee among premium travel cards with transfer partners
+Transfer to 18+ airline and hotel partners including JetBlue TrueBlue and Turkish Miles&Smiles
+No foreign transaction fees for international purchases

Cons

−3% foreign transaction fee
−5X rate requires booking through Citi Travel portal
−Self-Select category can only change quarterly
−Lower transfer value compared to premium ThankYou cards

−No airport lounge access included
−Transfer partners weaker than Chase or Amex (no United, Delta, or Hyatt)
−10X portal bonus requires booking through Citi Travel, limiting flexibility
−Welcome bonus lower than competing premium cards (60K vs 75K-90K)
−Points worth less than competitors when redeemed for cash back (1 cent each)

The Bottom Line

The Citi Strata Credit Card has a lower annual fee ($0 vs $95), making it the more accessible option.

Explore More

Citi Strata Credit Card — Full Review All Citi Cards

Citi Strata Premier Card — Full Review All Citi Cards

Browse all comparisons →Browse all card categories →

Home
/
Compare
/
Citi Strata Credit Card vs Citi Strata Premier Card

Citi Strata Credit Card vs Citi Strata Premier Card

A detailed side-by-side comparison to help you choose the right card for your spending.

Citi Strata Credit Card

Citi Strata Credit Card

Citi

Citi Strata Premier Card

Citi Strata Premier Card

Citi

Annual Fee

$0

$95

Welcome Bonus

30,000 Flex point

60,000 Flex point

Base Earn Rate

1X

1X

Top Earn Categories

5X Travel

5X Car Rentals Cititravelcom

5X Hotels Cititravelcom

5X Attractions Cititravelcom

10X Hotels

10X Car Rentals

10X Attractions

3X Hotels

Network

MASTERCARD

MASTERCARD

Key Benefits

None

None

Pros

+No annual fee
+30,000 point welcome bonus
+5X points on travel booked via Citi Travel
+3X points on groceries, transit, gas, and Self-Select category
+Self-Select category flexibility (change quarterly)

+3X points on 6 everyday categories (dining, gas, groceries, flights, hotels, all travel)
+10X points on hotels, car rentals, and attractions through Citi Travel portal
+Lowest $95 annual fee among premium travel cards with transfer partners
+Transfer to 18+ airline and hotel partners including JetBlue TrueBlue and Turkish Miles&Smiles
+No foreign transaction fees for international purchases

Cons

−3% foreign transaction fee
−5X rate requires booking through Citi Travel portal
−Self-Select category can only change quarterly
−Lower transfer value compared to premium ThankYou cards

−No airport lounge access included
−Transfer partners weaker than Chase or Amex (no United, Delta, or Hyatt)
−10X portal bonus requires booking through Citi Travel, limiting flexibility
−Welcome bonus lower than competing premium cards (60K vs 75K-90K)
−Points worth less than competitors when redeemed for cash back (1 cent each)

The Bottom Line

The Citi Strata Credit Card has a lower annual fee ($0 vs $95), making it the more accessible option.

Explore More

Citi Strata Credit Card — Full Review All Citi Cards

Citi Strata Premier Card — Full Review All Citi Cards

Browse all comparisons →Browse all card categories →