$95 annual fee· #5
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Citi Strata Premier
3x across the most spending categories of any $95 card
The Citi Strata Premier's 3x earning across hotels, air, restaurants, grocery, AND gas is the broadest bonus category coverage of any $95 travel card. For families with significant spending across all these categories, the straightforward earning structure maximizes points without tracking complex bonus categories.
✓ Pros
- 3x on hotels, air, restaurants, grocery, and gas — broadest earning of any $95 card
- $100 hotel annual credit offsets the annual fee
- Strong transfer partners including Turkish Miles&Smiles and Flying Blue
✕ Cons
- Citi ThankYou points slightly less flexible than Chase UR or Amex MR
- No lounge access or premium travel protections
Scores
Overall
8.8
Safety
9
Value
9.2
Ease
9
Quality
8.9
Specifications
annual Fee$95
signup Bonus70,000 points
base Earning3x hotels/air/dining/grocery/gas, 1x else
hotel Credit$100
loungeNone