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Citi Strata Premier Card
Pick the Strata Premier if you want one $95 card that earns 3x on a genuinely wide net (air travel, restaurants, supermarkets, gas, EV charging) instead of juggling category cards. The catch versus a Chase Sapphire Preferred is the thinner transfer-partner list, so if you're chasing premium-cabin awards through, say, a top airline alliance, you'll get less mileage here. Quick math: $1,500/month across those 3x categories is about 54,000 points a year, and the $100 hotel credit on a $500-plus stay basically covers the fee if you book one trip. Confirm the current 70,000-point offer on Citi's site, since welcome bonuses move around.
⟳ Rates & fees verified June 2026 — always confirm the current terms on the issuer's official site before applying.
What you earn
- ✓ThankYou Points move to airline partners such as JetBlue and Wyndham
- ✓$100 yearly hotel credit applied to one booking of $500 or more
- ✓The 3x categories are broad enough to cover the bulk of typical spending
👍 Pros
- + A large spread of categories earn at the 3x rate
- + Charges nothing extra on purchases made outside the U.S.
- + ThankYou Points you can move to travel partners
👎 Cons
- – Carries a yearly fee
- – Does not include entry to airport lounges
- – Its premium transfer-partner roster is shorter than competing cards
Can you get it?
- ▸A U.S. credit file rated good to excellent
- ▸Enough income to back the credit line
- ▸Have not collected this card's bonus within the past 48 months
Requirements are general guidance — the issuer makes the final decision. Learn more about card requirements →
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