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Citi · card facts

Citi Strata Premier

Strong earning categories with a manageable annual fee.

WELCOME BONUS60k pointsSpend $4,000
ANNUAL FEE$95First year: $95
CREDITSHard$100/yr advertised
LOUNGE ACCESSNo lounge access
Dollar estimates below use $3,000/month benchmark spending and TPG's August 2026 points/miles valuation. Lounge visits are not assigned a dollar value.
Year 1 · best case

+$2,513

Welcome bonus · TPG est.+$1,140
Full advertised annual credits+$100
Rewards on $36,000 benchmark spend+$1,368
First-year annual fee−$95
Keep / year · best case credits

+$1,373

Definitely keep

This recurring estimate uses the full advertised credit amount. The Hard label tells you how realistic it may be to capture all $100 of those credits.

Advertised credits$100
Credit difficultyHard
TPG Aug. 2026 value1.90¢
Annual fee$95
Fee minus advertised credits+$5 credit surplus
Credit details

$100 advertised per year · Hard to use fully

Card creditsVaries · Varies difficulty
$100 advertised

See issuer terms for eligible purchases, timing and restrictions.

Lounge access

No lounge access

No lounge access included in the current dataset.

Compare all cards →Read the methodology
Offer accuracy: Card offers and benefits change. Verify current issuer terms before applying. The credit amount shown is the advertised total; difficulty labels warn about restrictions rather than discounting the credit to a made-up personal value. Affiliate disclosure.