Cards · Citi · Mastercard
Strata Premier
Five 3× categories for $95, plus 10× on hotels through Citi Travel.
Track this card in Cardful. Free, nothing to link.
Where it earns
The multipliers.
Paid in Citi ThankYou, about 1.8¢ a point at RRV. Cardful ranks this card against the rest of your wallet for every purchase, using these rates and an honest point value.
Statement credits
$100 a year, if you use all of it.
Each credit runs on its own reset schedule. Cardful remembers partial use and reminds you before a window closes.
The honest read
Worth it, or not.
Worth it if
- 3× on flights, dining, groceries and gas.
- 10× on hotels, car rentals and attractions booked through Citi Travel.
- No foreign transaction fees.
Think twice if
- The $100 hotel credit needs a $500+ Citi Travel stay.
- ThankYou transfer partners are thinner than Chase or Amex.
- 1× on everyday spend.
The fee
Is the fee worth it?
On paper the credits are worth $100 a year against a $95 fee. The honest question is which of them you will genuinely use. How the verdict works →
Strata Premier · $95 fee
Every credit used in full, no points counted
Almost nobody uses every credit in every window. Cardful tracks what you actually claim and gives the keep, downgrade or cancel verdict on your real renewal date.
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Terms last verified against the issuer’s published page on . Card terms change without notice — always confirm on the issuer’s site before applying.
Track what you already carry.
Add the Strata Premier by name and every credit, fee and multiplier arrives pre-filled.
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