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.

Citi Strata Premier Card at a glance

Rewards & perks

• 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

Who should apply

• 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

Before you apply: card terms change often. Confirm the current annual fee, APR, welcome offer and rewards on the official Citi site. CreditCardCompare is an independent comparison resource, not the card issuer, and this is not financial advice.