Citi
Citi Strata Premier
Annual fee
$95
Rewards
Citi ThankYou Points
Benefits
5 · $2,600/yr
Earn Rates
| Category | Rate | True cash-back value |
|---|---|---|
| Flights | 3% | 3% |
| Hotels | 3% | 3% |
| Dining | 3% | 3% |
| Groceries | 3% | 3% |
| Gas | 3% | 3% |
| Everything else | 1% | 1% |
| EV Charging | 3x | 0% |
True value converts point multipliers to dollars using MaxWorth point valuations. Issuer-portal-exclusive rates are excluded.
Credits (1)
Annual Hotel Benefit
$100/yr
$100 off a single hotel stay of $500 or more when booked through Citi Travel once per calendar year
Protections (4)
Trip Cancellation/Interruption Insurance
$1,000/yr
Coverage for trip cancellation and interruption due to covered reasons
Lost or Damaged Luggage Insurance
$1,000/yr
Coverage for lost or damaged luggage during travel
Trip Delay Insurance
$500/yr
Coverage for additional expenses due to trip delays
MasterRental Coverage
Secondary car rental collision damage coverage
Stop tracking this in a spreadsheet.
The MaxWorth app tracks all 5 Citi Strata Premier benefits automatically — redemption progress, reset dates and expiry alerts.