Citi · Mastercard · personal · Citi ThankYou Points
Web-verified 2026-09-08.
Review the linked sources below for offer details and eligibility.
Review the linked sources below for offer details and eligibility.
$95
annual fee
0%
foreign txn fee
$60
credits/yr realistic ($100 face)
$1,020
sign-up bonus ≈ 60000 points after $4,000/3mo
Earning
| Citi Travel portal (Issuer travel portal)
Hotels, car rentals and attractions booked on Citi Travel
|
10x | 17% |
| Airfare (booked direct)
Air travel
|
3x | 5.1% |
| Hotels (booked direct)
Other hotel purchases
|
3x | 5.1% |
| Dining & restaurants | 3x | 5.1% |
| Groceries (supermarkets)
Supermarkets
|
3x | 5.1% |
| Gas stations | 3x | 5.1% |
| EV charging | 3x | 5.1% |
| Everything else | 1x | 1.7% |
Right column: value per $ at travel valuation (1.7¢/pt). 1¢ cash. Full transfer partners need a Strata Premier / Strata Elite; the no-fee Strata transfers to a subset incl. American; Double Cash/Custom Cash alone transfer only to Choice, Wyndham, JetBlue.
Credits
- $100 Hotel benefit /anniversary · medium to use$100 off a single hotel stay of $500+ booked through Citi Travel, once per year
Benefits
- No foreign transaction fees
- 1:1 transfers to ~15 airline and hotel partners
- Citi Merchant Offers
Protections
| trip cancellation | Up to $5,000 per trip |
| trip delay | Up to $500 after 6 hours |
| baggage delay | Up to $100/day for 5 days |
| lost luggage | Up to $3,000 |
| rental car | secondary |
Notes
WEB-VERIFIED 2026-09-08 against https://www.bankrate.com/credit-cards/reviews/citi-strata-premier-card/: $95 fee, 10x Citi Travel hotels/cars/attractions, 3x air, hotels, restaurants, supermarkets, gas/EV, $100 hotel benefit, 60k after $4k, no FTF (Bankrate, Sep 1 2026). Protections still from model knowledge.