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Citi Strata Premier® Card

Citi ThankYou Points

Welcome bonus

60,000 points

≈ $1,020 at 1.7¢ per point

after $4,000 spend in 3 months

Annual fee$95

Value per point~1.7¢median of 6 published valuations

First-year value*$2,062easy credits counted · $2,062 with none

Year 2+ value*$1,042each year after the first, after the fee · $1,042 with no credits

$95 fee vs $100 in stated credits a yearFace value. You’d use $0 by our default → yearly cost after year 1 $95 ↓

Worth ~1.7¢/pt, median of 6 published valuations

AwardWallet 2.35¢
The Points Guy 1.9¢
NerdWallet 1.7¢ (NerdWallet’s figure for Strata Premier/Elite holders (1.2¢ for other Citi cards))
One Mile at a Time 1.7¢
Upgraded Points 1.6¢
Frequent Miler (RRV) 1.5¢

Range 1.5–2.35¢. No published value from Bankrate. Checked 2026-10-23. How we use these

See the offer on Citi’s site ↗ Run your own numbers

Data checked by Chris Manns · Last updated October 23, 2026

Source: Citi card page · checked October 23, 2026. *Value uses our sample profile ($31,100/yr spend, no favorite airline or hotel) and the community value of 1.7¢ per point (median of published valuations) — see method.

Credits & perks

Annual fee$95

Stated credits a year$100face value, as Citi states it

Face value isn’t real value. A $25-a-month credit for something you’d never buy is worth $0 to you, and most credits are use-it-or-lose-it by month, quarter or half-year. Tick only what you’d spend on anyway.

Which would you actually use?

Our assumption: the boxes ticked to start are the “easy” credits: broad, flexible or automatic (general travel credits, airline-fee credits on any airline, Global Entry/TSA, anniversary free nights). Niche or single-merchant credits start unticked. Your choices are saved in this browser and also used by the calculator.

Annual Hotel Benefit$100/yr$100 off once per calendar year · A single hotel stay of $500+ (before taxes and fees) booked through cititravel.com; applied at booking.niche travel portal

Your net cost$95Yearly cost after year 1: annual fee − credits you’ll use ($0)

Year 2+ value*$1,042each year after the first, after the annual fee, with your ticks

First-year value*$2,062bonus + earning + credits − fee

Counts each ticked credit at 100% of face value. Global Entry/TSA counts as a quarter a year. Free nights use our point values. *At our sample profile; how credits are counted.

Perks with no stated $ value

Lounges, status, bags and similar. We don’t put a number on these unless the issuer does.

travel Points transfer to airline and hotel partners

Source: Citi card page and benefit terms · checked 2026-10-23.

How it earns

10x Travel booked on the card’s own travel site
3x Flights (booked with the airline), Hotels (booked with the hotel), Dining & takeout, Groceries, Gas & EV charging
1x everything else

3x on air travel and other hotel purchases, restaurants, supermarkets, gas and EV charging.

Offer details

60,000 points after $4,000 in 3 months

Annual fee $95. Credits from the issuer page are in Credits & perks above.

Questions about the Citi Strata Premier

What is the Citi Strata Premier welcome bonus?

60,000 points after $4,000 in 3 months, about $1,020 at the median published point value, per Citi’s card page checked October 23, 2026.

What is the Citi Strata Premier annual fee?

$95 a year, as listed on Citi’s page on October 23, 2026.

How much are its points worth?

About 1.7¢ each: the median of 6 published valuations (range 1.5–2.35¢), checked October 23, 2026.

What credits does the Citi Strata Premier include?

$100 a year in stated credits at face value, across 1 credit. By our default (only easy, flexible credits) you’d use $0, so the yearly cost after year 1 is $95.

Is the Citi Strata Premier worth it?

It depends on your spending. At our sample profile ($31,100 a year, easy credits only) it comes to $2,062 in the first year and $1,042 each year after (Year 2+ value, after the annual fee). Enter your own numbers in the calculator.

The math at our sample profile

Sample: Dining & takeout $4,800 · Groceries $7,200 · Gas & EV charging $2,400 · Flights (booked with the airline) $2,000 · Hotels (booked with the hotel) $1,500 · Other travel $1,200 · Everything else $12,000. Credits: our default “easy” ticks.

Welcome bonus: 60,000 points × 1.7¢	$1,020
A year of earning: 66,900 points × 1.7¢	$1,137
Annual fee	−$95
First year / Year 2+	$2,062 / $1,042

Use my own spending →

Verify everything on the issuer’s site before applying; offers change and may differ for you. We don’t list APRs: see the issuer’s pricing & terms. TravelCardMath earns nothing from this card today.