Citi Strata Premier
Arguably the best $95 travel card in 2026 for everyday earners.
Use this page as a benchmark, not as a guaranteed quote or eligibility promise. The price, rate, fee, coverage, or feature set can change with location, customer profile, promotional timing, scope, and provider terms. Compare the current source disclosure before you buy or sign.
FairPrice Guru keeps the benchmark separate from the provider's marketing. A higher price is not automatically unfair when it buys more coverage or a better scope, and a lower headline price is not automatically better when fees, restrictions, or missing features change the real cost.
Price and terms
- Annual fee: $95
- Purchase APR: 20.24%–28.24%
FairPrice score: 79/100
Rewards
10x on hotels, car rentals, and attractions via Citi Travel, 3x on air travel, dining, groceries, and gas, 1x on other.
Perks
- $100 annual hotel credit (on $500+ hotel booking through Citi Travel)
- No foreign transaction fees
- Trip delay and lost baggage protection
- Access to Citi ThankYou transfer partners
Pros
- Best mid-tier earn rate on the market — 3x on 5 everyday categories
- $100 hotel credit largely offsets the fee
- Transferable points
Cons
- Only 1 hotel credit per year (requires a $500+ booking)
- Transfer partner list is thinner than Chase/Amex
Best for
- travel
- points enthusiasts
- groceries
- gas
- dining
Official source · Last verified 2026-10-04