Citi · Flexible points · Mastercard

Citi Strata Premier: what it's really worth

The Citi Strata Premier has a $95 annual fee. For a typical household spending $2,070 a month, it's worth about $1,634 in year one and $734 each year after.

Annual fee$95

Sign-up bonus$90060,000 points after $4,000 in 3 mo

Net value · year 1$1,634

Net value · each year after$734

A limited-time 75,000-point offer has also appeared.

Calculate it with your own spending

Is the annual fee worth it?

Worth keeping after year one for typical spending: it nets about $229 a year more than the Hilton Honors Card, the best no-fee card for the same spending.

How you earn

Category	Rate	Value per $1	Per year*
Dining	3x	4.5¢	$162
Groceries	3x	4.5¢	$270
Hotels	3x	4.5¢	$43
Flights	3x	4.5¢	$54
Gas	3x	4.5¢	$81
Streaming	1x	1.5¢	$7
Everything else	1x	1.5¢	$162

*At typical monthly spending: dining $300, groceries $500, hotels $80, flights $100, gas $150, streaming $40, everything else $900. 10x on hotels, car rentals and attractions booked through CitiTravel.com.

Credits and perks

$100 hotel credit — Once a year on a single $500+ stay booked through CitiTravel.com. We count about $50 a year, since most people don't use every dollar.
Foreign transaction fee: none

Who it's for

3x across five everyday categories for $95
Families who want points on groceries and gas
Not ideal: Anyone wanting lounge access or premium perks

Can I get it?

Recommended credit: Good
Citi rules: One welcome bonus per card family every 48 months. Citi also limits how often you can apply (about 1 card per 8 days, 2 per 65 days).
Mastercard: Accepted almost everywhere — but not at Costco warehouses (Visa only).

Check the current offer at Citi

Updated Oct 30, 2026.