Citi · courtesyCiti Strata Premier℠ Card (formerly Citi Premier℠ Card — rebranded May 13, 2024)
$95/ year
Up to $100/yr in credits & perksMastercard (Mastercard World Elite)ThankYou Points valued at 1¢/ptRecent changes: Current annual fee: $95. Previous: $95 (Citi Premier card had $95 annual fee pre-rebrand). First-year waived: False. New vs existing: same — $95 annual fee for both new and existing cardmembers; the May 13, 2024 refresh explicitly retained the same $95 annual fee.
Benefits, itemized
15 tracked · published maximums — realized value depends on enrollment and timing.$100 Annual Hotel Benefit
Credit$100 off a single hotel stay of $500 or more (excluding taxes and fees), once per calendar year
Terms & eligibility
Hotel stay must be $500 or more (excluding taxes and fees) and booked through cititravel.com or 1-833-737-1288; benefit applied instantly at time of booking
Government source · Aug 24, 2026Up to
$100
annually (once per calendar year)
10x Points on Hotels, Car Rentals, and Attractions via Citi Travel
Earning10 ThankYou Points per dollar spent on Hotels, Car Rentals, and Attractions booked through cititravel.com
Terms & eligibility
Must book through cititravel.com or 1-833-737-1288; for bookings made with a combination of points and Citi Strata Premier Card, only the portion paid with card earns points; points not earned on cancelled bookings; if account is closed for any reason including conversion to another card product, no longer eligible
Government source · Aug 24, 2026Included
3x Points on Air Travel and Other Hotel Purchases
Earning3 ThankYou Points per dollar spent on Air Travel and Other Hotel Purchases (i.e., hotels not booked through cititravel.com)
Terms & eligibility
Air Travel includes airline tickets; Other Hotel Purchases includes hotel stays booked outside the Citi Travel portal
Government source · Aug 24, 2026Included
3x Points at Restaurants
Earning3 ThankYou Points per dollar spent at Restaurants
Terms & eligibility
Restaurants category as defined by Merchant Category Code (MCC); catering services, bakeries, and some delivery services may not qualify
Government source · Aug 24, 2026Included
3x Points at Supermarkets
Earning3 ThankYou Points per dollar spent at Supermarkets
Terms & eligibility
Supermarkets category; excludes Walmart, Target, and warehouse clubs per standard Citi MCC definitions
Government source · Aug 24, 2026Included
3x Points on Gas & EV Charging Stations
Earning3 ThankYou Points per dollar spent on Gas & EV Charging Stations
Terms & eligibility
Gas Stations and EV Charging Stations as defined by Merchant Category Code (MCC)
Government source · Aug 24, 2026Included
1x Points on All Other Purchases
Earning1 ThankYou Point per dollar spent on all other purchases
Terms & eligibility
Standard 1x base earn
Government source · Aug 24, 2026Included
Travel Protection Benefits (Trip Cancellation & Interruption, Trip Delay, Lost or Damaged Luggage, MasterRental Car Rental Coverage)
ProtectionFour new travel protection benefits added at May 13, 2024 Strata Premier launch
Terms & eligibility
Trip Cancellation/Interruption (Common Carrier) provides secondary coverage only; MasterRental Coverage is secondary within the Eligible Renter's country of residence; full terms in Guide to Protection Benefits received post-approval
Government source · Aug 24, 2026Included
ThankYou Points Transfer to Airline and Hotel Partners
AccessTransfer ThankYou Points to participating airline and hotel partners (minimum 1,000 points per transfer)
Terms & eligibility
Must have Citi Strata Premier card open to retain transfer ability; minimum 1,000 points per transfer; transferring to airline/hotel programs subject to receiving program terms
Government source · Aug 24, 2026Est. value
~$10
on_demand
Luxury Collection Hotel Properties on Citi Travel with Booking.com
AccessOn-property benefits at Luxury Collection hotel properties booked via Citi Travel with Booking.com: complimentary breakfast for two, free Wi-Fi, $100 resort credit, early check-in / late check-out / room upgrades upon availability
Terms & eligibility
Eligible experiences for the $100 resort credit varies by property; benefits subject to availability
Government source · Aug 24, 2026Est. value
~$100
per_stay
No Foreign Transaction Fees
AccessNo foreign transaction fees on purchases made outside the U.S.
Terms & eligibility
Applies to all international purchases
Government source · Aug 24, 2026Included
Mastercard World Elite Benefits
AccessMastercard World Elite benefits including offers on ride-sharing, food delivery, streaming, online shopping, and access to Priceless Experiences
Terms & eligibility
Subject to Mastercard World Elite terms and merchant participation
Government source · Aug 24, 2026Included
Citi Entertainment® Access
AccessSpecial access to purchase tickets to thousands of events, including presale tickets and exclusive experiences
Terms & eligibility
Available to eligible Citi credit card and Citibank Debit Card customers; subject to event availability
Government source · Aug 24, 2026Included
Citi® Quick Lock
AccessInstantly block new charges on the card while allowing recurring transactions to continue, via Citi Mobile App or citi.com
Terms & eligibility
Recurring transactions continue while card is locked
Government source · Aug 24, 2026Included
Citi® Flex Pay (Buy Now, Pay Later)
AccessPay over time in fixed monthly payments on eligible purchases of $75 or more, continuing to earn points
Terms & eligibility
Available on eligible purchases of $75 or more; subject to plan fee or APR per Citi Flex Plan terms
Government source · Aug 24, 2026Included
Downgrade paths
Product changes usually keep your account age and credit line. Retained-value figures are estimates — confirm specifics with the issuer.
Move to Citi Strata℠ Card (no annual fee sibling in the Citi Strata family)
no annual fee
Community-reported · not guaranteedRetained value not quantifiedExisting Citi Strata Premier cardmembers in good standing; account typically must be open at least 12 months before product change; subject to Citi's product change eligibility matrix Call the number on the back of the card and request a product change to Citi Strata; account typically open ≥12 months; subject to credit approval
Government source · Aug 24, 2026Move to Citi Custom Cash℠ Card
no annual fee
Community-reported · not guaranteedRetained value not quantifiedExisting Citi Strata Premier cardmembers in good standing; account open ≥12 months; subject to credit approval Call Citi customer service (number on back of card) and request product change to Citi Custom Cash; account typically open ≥12 months; subject to credit approval. NOTE: As of May 28, 2026, the Citi Custom Cash is no longer accepting new applications, but product change from existing Citi cards is still available per citi.com/credit-cards/citi-custom-cash-credit-card page (existing cardmembers not impacted)
Government source · Aug 24, 2026Move to Citi Double Cash® Card (side-grade to flat 2% cash back)
no annual fee
Community-reported · not guaranteedRetained value not quantifiedExisting Citi Strata Premier cardmembers in good standing; account open ≥12 months; subject to credit approval; product change availability subject to Citi's matrix Call Citi customer service and request product change to Citi Double Cash; account open ≥12 months; subject to credit approval
Government source · Aug 24, 2026
Recent retention offers
Government source · Aug 24, 2026- upd. 2 months agoOffer reported2025-07 (Reddit thread, r/churning weekly data points)
Citi Strata Premier retention offer: $95 AF posted yesterday, get a retention offer
UNCONFIRMED (not in snippet) spendUNCONFIRMED (not in snippet)1 datapoints · low confidence - upd. 2 months agoOffer reported2024-08 (travelwithgrant.boardingarea.com)
Both retention offers require $3,000 in spending and provide a bonus of $100 – $105 (assuming 1 cent per point value for each TYP).
$3,000 in spending spendUNCONFIRMED (likely 3 months based on standard Citi retention offer format)1 datapoints · low confidence - upd. 2 months agoOffer reported2023-09 (Reddit thread)
Don't like the $95 annual fee. Called retention and received this offer - 5000 ThankYou points after $1k spend in 3 months.
$1,000 in 3 months spend3 months1 datapoints · low confidence - upd. 2 months agoOffer reported2026 (upgradedpoints.com article, updated within last 7 days prior to 2026-08-24)
Citi Strata Premier® Card Annual fee waiver with no spending required 10,000 points after spending $3,000 in 3 months
$0 for AF waiver OR $3,000 in 3 months for 10,000 points spendn/a for AF waiver; 3 months for points offer1 datapoints · medium confidence
Offers vary by account and eligibility. Reported outcomes are not guaranteed. Community data shown here is an illustrative sample — never rely on it as a promise of what you'll be offered.
Information is provided for educational and decision-support purposes and may change. Always confirm current terms, benefits, eligibility, fees, and offers directly with Citi.