Strata, Premier or Elite: How to choose a Citi Strata credit card
Editor's Note
Citi rounded out its lineup of Strata credit cards this year, giving consumers three options to choose from.
But what's behind the names, and what should applicants know before sending in their applications?
For one, the Citi Strata℠ Card (see rates and fees) is ideal for beginners to transferable points. The mid-tier Citi Strata Premier® Card (see rates and fees) is excellent for frequent travelers looking to build their balance of Citi ThankYou Rewards points. And the premium Citi Strata Elite℠ Card (see rates and fees) is a solid option for luxury travelers loyal to Citi.
There are multiple reasons you'd want to pick up a Strata credit card — including the ability to collect one of TPG's most valuable transferable rewards currencies, valued at 1.9 cents apiece per our September 2025 valuations. You can use these points for cash back, gift cards or travel, booked through Citi Travel or transferred to loyalty partners.
Which Strata card is right for you? Let's get into the details to help you decide.
Comparing the Citi Strata cards
Before we detail the benefits of each card, let's go over the basics.
| Card | Welcome offer | Annual fee | Transfer ratio |
|---|---|---|---|
Earn 30,000 bonus points after spending $1,000 on purchases in the first three months from account opening. | $0 | 1:0.7 | |
Earn 60,000 bonus points after spending $4,000 on purchases in the first three months from account opening. | $95 | 1:1 | |
For a limited time, earn 100,000 bonus points after spending $6,000 on purchases in the first three months from account opening. | $595 | 1:1 |
As is the case with most rewards credit cards, these welcome offers provide the majority of each card's first-year value. So, it's important to keep these in mind and apply for the card when the bonus is high.
With the Strata Premier and Strata Elite, we recommend transferring your ThankYou points to receive maximum value. When you transfer to partners such as Air France-KLM Flying Blue, American Airlines AAdvantage or Wyndham Rewards, you will receive a transfer ratio of 1:1. This means if you were to transfer 1,000 ThankYou points, you'd receive 1,000 points or miles in the program you're transferring to.
The no-annual-fee Strata does not unlock a 1:1 transfer ratio. So, if you transferred 1,000 ThankYou points, you'd receive just 700 points or miles in the partner program. Because of this, we don't recommend transferring ThankYou points from the Strata.
Of course, you can pool your Citi ThankYou points in one account (like you can with Chase Ultimate Rewards), but you'll want to be sure you have a premium card, like the Strata Premier, Strata Elite or Citi Prestige® Card, to unlock the full 1:1 transfer ratio.
The information for the Citi Prestige has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.
Related: Citi points now transfer to American Airlines: How long does it take?
Strata: Award travel beginners
If you're newer to earning points for travel, applying for the Strata is a good place to start. The card isn't ideal for experienced award travelers, but it's a decent learning tool for those just getting into the hobby.
Top perks
The Strata provides an excellent introduction to earning ThankYou points. Because the card doesn't charge an annual fee, additional perks are limited.
However, the Strata features an impressive list of bonus categories for a no-annual-fee card:
- 5 points per dollar spent on attractions, car rentals and hotels booked through Citi Travel
- 3 points per dollar spent on electric vehicle charging stations, gas purchases, select transit and supermarkets
- 3 points per dollar spent on an eligible self-selected category (which you can change each quarter)
- 2 points per dollar spent at restaurants
- 1 point per dollar spent on all other purchases
The self-selected categories are:
- Barber shops, cosmetic stores and hair salons
- Fitness clubs
- Live entertainment
- Pet supply stores
- Select streaming services
Points from the Strata transfer to loyalty partners at a 1:0.7 ratio, so this isn't the card to use with partners. However, if you want to supplement with a premium ThankYou points-earning card or redeem your points in another way, this card is a good choice.
The Strata is best for cardholders who ...
- Don't want to pay an annual fee
- Redeem ThankYou points through Citi Travel or cash back (not transferring to partners)
- Spend frequently across multiple categories
To learn more, read our full review of the Strata.
Related: When (and why) you should downgrade from the Citi Strata Premier to the Citi Strata Card
Strata Premier: Frequent travelers
The mid-tier Strata Premier is the best choice for travelers who want to earn points quickly and redeem them at a high value.
Top perks
With the Strata Premier, it's easy to collect ThankYou points and redeem them for excellent value.
The card features a long list of bonus categories, with many tailored toward frequent travelers:
- 10 points per dollar spent on attractions, car rentals and hotels booked through Citi Travel
- 3 points per dollar spent on air travel, EV charging stations, gas purchases, other hotels, restaurants and supermarkets
- 1 point per dollar spent on all other purchases
The Strata Premier also provides a $100 annual hotel benefit on stays booked through Citi Travel of $500 or more (excluding taxes and fees). This credit helps offset the card's $95 annual fee.
The Strata Premier is the best option for unlocking a full 1:1 ThankYou point transfer ratio to Citi's loyalty program partners since it charges the lowest annual fee for this benefit.
The Strata Premier is best for cardholders who ...
- Maximize bonus categories
- Transfer ThankYou points to partners
- Want to pay a modest annual fee
To learn more, read our full review of the Strata Premier.
Related: I'm not sold on the Strata Elite — but the Strata Premier might become my new wallet staple
Strata Elite: Luxury-minded travelers
The Strata Elite is best for premium travelers who are also organized spenders and can keep track of multiple statement credits.
Top perks
The Strata Elite packs a punch to help offset its high $595 annual fee.
First among these is its earning rates, tailored to earn more on travel and dining:
- 12 points per dollar spent on attractions, car rentals and hotels booked through Citi Travel
- 6 points per dollar spent on airfare booked through Citi Travel
- 6 points per dollar spent at restaurants, including restaurant delivery services on CitiNights℠ purchases, every Friday and Saturday from 6 p.m. to 6 a.m. Eastern time (3 points per dollar spent on restaurant purchases outside of these days and hours)
- 1.5 points per dollar spent on all other purchases
If lounge access is a priority and you fly with a Oneworld alliance member, the Strata Elite is a great choice. That's because cardholders receive four Admirals Club Citi Strata Elite passes each calendar year and a complimentary Priority Pass Select membership.
The card also comes with many statement credits, such as a $300 annual hotel benefit, a $200 Splurge credit, a $200 Blacklane credit and $120 toward Global Entry or TSA PreCheck every four years.
The key to getting the most out of the Strata Elite is organization. Cardholders who remember to use up the statement credits and maximize CitiNights will receive the most value.
The Strata Elite is best for cardholders who ...
- Leverage premium perks
- Use statement credits
- Value lounge access
To learn more, read our full review of the Strata Elite.
Related: Is the Citi Strata Elite worth the annual fee?
Should you hold multiple Strata cards?
Having multiple Strata cards has several perks, especially if you want to supercharge your ThankYou point capabilities.
For instance, you could combine bonus categories to earn more points. Use the Strata to spend in a category not covered by the Strata Premier, like fitness clubs or pet supply stores, while swiping your Strata Premier for travel purchases such as air travel and hotels.
The Strata Elite adds benefits such as lounge access, valuable statement credits and bonus rewards at restaurants during hours covered by CitiNights.
Of course, spending smart and staying organized is the best way to ensure you're getting the most out of holding all three cards, especially since the Strata Premier and Strata Elite charge annual fees.
If keeping up with the details sounds overwhelming to you, choosing one or two cards out of the Strata family could be just as advantageous.
Related: Maximize the Citi Trifecta
Bottom line
When it comes to selecting among the Strata, Strata Premier and Strata Elite, you'll want to consider how you want to redeem your rewards, how much you want to track your spending toward statement credits and how much you want to be charged in annual fees.
As always, welcome offers and earning rates also play a big role. Weigh all of these factors to decide which card best suits your lifestyle and travel habits.
Apply here: Strata
Apply here: Strata Premier
Apply here: Strata Elite
TPG featured card
Rewards
| 4X | Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year. |
| 4X | Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year. |
| 3X | Earn 3X Membership Rewards® points per dollar spent on flights booked directly with airlines or on AmexTravel.com. |
| 2X | Earn 2X Membership Rewards® points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com. |
| 1X | Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases. |
Intro offer
Annual Fee
Recommended Credit
Why We Chose It
There’s a lot to love about the Amex Gold. It’s a fan favorite thanks to its fantastic bonus-earning rates at restaurants worldwide and at U.S. supermarkets. If you’re hitting the skies soon, you’ll also earn bonus Membership Rewards points on travel. Paired with up to $120 in Uber Cash annually (for U.S. Uber rides or Uber Eats orders, card must be added to Uber app and you can redeem with any Amex card), up to $120 in annual dining statement credits to be used with eligible partners, an up to $84 Dunkin’ credit each year at U.S. Dunkin Donuts and an up to $100 Resy credit annually, there’s no reason that foodies shouldn’t add the Amex Gold to their wallet. These benefits alone are worth more than $400, which offsets the $325 annual fee on the Amex Gold card. Enrollment is required for select benefits. (Partner offer)Pros
- 4 points per dollar spent on dining at restaurants worldwide and U.S. supermarkets (on the first $50,000 in purchases per calendar year; then 1 point per dollar spent thereafter and $25,000 in purchases per calendar year; then 1 point per dollar spent thereafter, respectively)
- 3 points per dollar spent on flights booked directly with the airline or with amextravel.com
- Packed with credits foodies will enjoy
- Solid welcome bonus
Cons
- Not as useful for those living outside the U.S.
- Some may have trouble using Uber and other dining credits
- You may be eligible for as high as 100,000 Membership Rewards® Points after you spend $6,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you’re approved and find out your exact welcome offer amount – all with no credit score impact. If you’re approved and choose to accept the Card, your score may be impacted.
- Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.
- Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.
- Earn 3X Membership Rewards® points per dollar spent on flights booked directly with airlines or on AmexTravel.com.
- Earn 2X Membership Rewards® points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com.
- Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases.
- $120 Uber Cash on Gold: Add your Gold Card to your Uber account and get $10 in Uber Cash each month to use on orders and rides in the U.S. when you select an American Express Card for your transaction. That’s up to $120 Uber Cash annually. Plus, after using your Uber Cash, use your Card to earn 4X Membership Rewards® points for Uber Eats purchases made with restaurants or U.S. supermarkets. Point caps and terms apply.
- $84 Dunkin' Credit: With the $84 Dunkin' Credit, you can earn up to $7 in monthly statement credits after you enroll and pay with the American Express® Gold Card at U.S. Dunkin' locations. Enrollment is required to receive this benefit.
- $100 Resy Credit: Get up to $100 in statement credits each calendar year after you pay with the American Express® Gold Card to dine at U.S. Resy restaurants or make other eligible Resy purchases. That's up to $50 in statement credits semi-annually. Enrollment required.
- $120 Dining Credit: Satisfy your cravings, sweet or savory, with the $120 Dining Credit. Earn up to $10 in statement credits monthly when you pay with the American Express® Gold Card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, and Five Guys. Enrollment required.
- Explore over 1,000 upscale hotels worldwide with The Hotel Collection and receive a $100 credit towards eligible charges* with every booking of two nights or more through AmexTravel.com. *Eligible charges vary by property.
- No Foreign Transaction Fees.
- Annual Fee is $325.
- Terms Apply.
Rewards Rate
| 4X | Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year. |
| 4X | Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year. |
| 3X | Earn 3X Membership Rewards® points per dollar spent on flights booked directly with airlines or on AmexTravel.com. |
| 2X | Earn 2X Membership Rewards® points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com. |
| 1X | Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases. |
Intro Offer
You may be eligible for as high as 100,000 Membership Rewards® Points after spending $6,000 in eligible purchases on your new Card in your first 6 months of Membership. Welcome offers vary and you may not be eligible for an offer.As High As 100,000 points. Find Out Your Offer.Annual Fee
$325Recommended Credit
Credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.Excellent to Good
Why We Chose It
There’s a lot to love about the Amex Gold. It’s a fan favorite thanks to its fantastic bonus-earning rates at restaurants worldwide and at U.S. supermarkets. If you’re hitting the skies soon, you’ll also earn bonus Membership Rewards points on travel. Paired with up to $120 in Uber Cash annually (for U.S. Uber rides or Uber Eats orders, card must be added to Uber app and you can redeem with any Amex card), up to $120 in annual dining statement credits to be used with eligible partners, an up to $84 Dunkin’ credit each year at U.S. Dunkin Donuts and an up to $100 Resy credit annually, there’s no reason that foodies shouldn’t add the Amex Gold to their wallet. These benefits alone are worth more than $400, which offsets the $325 annual fee on the Amex Gold card. Enrollment is required for select benefits. (Partner offer)Pros
- 4 points per dollar spent on dining at restaurants worldwide and U.S. supermarkets (on the first $50,000 in purchases per calendar year; then 1 point per dollar spent thereafter and $25,000 in purchases per calendar year; then 1 point per dollar spent thereafter, respectively)
- 3 points per dollar spent on flights booked directly with the airline or with amextravel.com
- Packed with credits foodies will enjoy
- Solid welcome bonus
Cons
- Not as useful for those living outside the U.S.
- Some may have trouble using Uber and other dining credits
- You may be eligible for as high as 100,000 Membership Rewards® Points after you spend $6,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you’re approved and find out your exact welcome offer amount – all with no credit score impact. If you’re approved and choose to accept the Card, your score may be impacted.
- Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.
- Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.
- Earn 3X Membership Rewards® points per dollar spent on flights booked directly with airlines or on AmexTravel.com.
- Earn 2X Membership Rewards® points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com.
- Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases.
- $120 Uber Cash on Gold: Add your Gold Card to your Uber account and get $10 in Uber Cash each month to use on orders and rides in the U.S. when you select an American Express Card for your transaction. That’s up to $120 Uber Cash annually. Plus, after using your Uber Cash, use your Card to earn 4X Membership Rewards® points for Uber Eats purchases made with restaurants or U.S. supermarkets. Point caps and terms apply.
- $84 Dunkin' Credit: With the $84 Dunkin' Credit, you can earn up to $7 in monthly statement credits after you enroll and pay with the American Express® Gold Card at U.S. Dunkin' locations. Enrollment is required to receive this benefit.
- $100 Resy Credit: Get up to $100 in statement credits each calendar year after you pay with the American Express® Gold Card to dine at U.S. Resy restaurants or make other eligible Resy purchases. That's up to $50 in statement credits semi-annually. Enrollment required.
- $120 Dining Credit: Satisfy your cravings, sweet or savory, with the $120 Dining Credit. Earn up to $10 in statement credits monthly when you pay with the American Express® Gold Card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, and Five Guys. Enrollment required.
- Explore over 1,000 upscale hotels worldwide with The Hotel Collection and receive a $100 credit towards eligible charges* with every booking of two nights or more through AmexTravel.com. *Eligible charges vary by property.
- No Foreign Transaction Fees.
- Annual Fee is $325.
- Terms Apply.