Citi

Citi Strata Premier℠

Transfers to airlines & hotels

Annual fee

$95/yr

Welcome bonus

60,000 ThankYou® Points

Min spend

$4,000 in 3 months

Recommended credit

Good to Excellent (700+)

Apply on Citi site Review

Before you apply: Citi application and welcome-bonus rules →

Offer last verified June 17, 2026. How we verify.

Earning rates

3x ThankYou® Points on hotels, air travel, restaurants, supermarkets, and gas/EV charging

10x on hotels and car rentals via Citi Travel portal

1x on all other purchases

Points transfer to 18+ airline and hotel partners (JetBlue, Virgin Atlantic, Turkish Miles & Smiles & more)

Features & benefits

$100 annual hotel savings benefit (off a single hotel stay of $500+ via Citi Travel)

No foreign transaction fees

Trip cancellation/interruption and trip delay insurance

Lost and damaged luggage protection

Purchase protection and extended warranty

World Elite Mastercard benefits and Citi Entertainment® access

Transfer partners

Your ThankYou Points transfer directly to airline and hotel loyalty programs, usually at 1:1. That is where transferable points beat flat cash back, because the right award can be worth well over 1 cent each. Major partners include:

Airline partners

American Airlines AAdvantage, Turkish Miles & Smiles, JetBlue TrueBlue, Virgin Atlantic, Avianca LifeMiles, Air France/KLM

See exactly what a flight award costs

Stop guessing at point values. Look up the real mileage price and live seat availability for a specific flight.

Search award flights on seats.aero →

Hotel partners

Wyndham Rewards, Choice Privileges

See what a hotel award costs

Look up the live points price and availability for a specific hotel stay before you book.

Search award stays on rooms.aero →

See the full Citi ecosystem, card lineup, and live transfer bonuses →

How does it rank for your spending?

Every card is ranked by what it actually returns on the way you spend. Run your numbers and see where the Citi Strata Premier℠ lands.

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