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Citi Strata Premier
Best $95 travel card if you spend across multiple bonus categories (gas, groceries, dining, hotels). The recently added American AAdvantage transfer partnership is a major draw — Citi is now the only major issuer with both AA and the full international airline transfer lineup.
$1,483/yrest. value at typical spending
$95annual fee
$100yearly credits
−$5fee after credits
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| Category | Rate | Typical spend |
|---|---|---|
| Dining | 3x | $400/mo |
| Groceries | 3x | $600/mo |
| Flights & hotels | 4.6x | $300/mo |
| Rent | 1x | $2,500/mo |
| Gas & transit | 3x | $150/mo |
| Streaming | 1x | $80/mo |
| Online shopping | 1x | $200/mo |
| Everything else | 1x | $600/mo |
Rates are what our model counts per dollar. Brand-specific bonuses (like a hotel card at its own hotels) are blended, since most people don't put all category spending with one brand. Typical spending here means our quiz defaults: $4,830 a month, including $2,500 rent or mortgage. Points are valued at 1.5¢ each (travel portal redemption); transferring to airline or hotel partners can be worth more.
Rewards and perks
Points, 17 transfer partners
- 10x ThankYou Points on hotels, car rentals, and attractions via CitiTravel.com
- 3x on air travel and other hotel purchases
- 3x on restaurants worldwide
- 3x at supermarkets
- 3x at gas stations and EV charging
- 1x on everything else
- $100 annual hotel credit — single hotel stay of $500+ booked via CitiTravel.com or 1-833-737-1288
- No foreign transaction fees
- Access to 17 transfer partners including American AAdvantage and Japan Airlines (added Sept 2026)
- Trip cancellation, baggage, and rental car coverage
Transfer partners
Air France-KLM Flying BlueAvianca LifeMilesCathay Pacific AsiaMilesChoice PrivilegesEmirates SkywardsEtihad GuestEva Air Infinity MileageLandsJetBlue TrueBlueQantas Frequent FlyerQatar Privilege ClubSingapore KrisFlyerThai Royal Orchid PlusTurkish Miles&SmilesVirgin Atlantic Flying ClubWyndham RewardsAmerican AAdvantageJapan Airlines Mileage Bank
Head-to-head
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