Is the Citi Strata Premier worth $95/yr?
The honest math on the Citi Strata Premier: which credits you'd actually use, what its points earn beyond a plain 2% card, and what its protections would cost to buy — against the $95 annual fee.
Citi · $95 annual fee · earns Citi ThankYou Points
Earning rates
- 10x Hotels, car rentals & attractions via Citi Travel
- 3x Air travel
- 3x Hotels booked outside the portal
- 3x Restaurants
- 3x Supermarkets
- 3x Gas & EV charging stations
- 1x Everything else
Statement credits (1)
- $100 Annual Hotel Credit — $100 off one hotel stay of $500+ (excluding taxes and fees) booked through Citi Travel, once per calendar year.
Protections and perks (7)
- Trip Cancellation / Interruption — Up to $5,000 per covered traveler per trip ($10,000 per 12 months) for non-refundable travel cancelled or cut short for covered reasons.
- Trip Delay Protection — Up to $500 per trip for meals, lodging, and essentials when a covered trip is delayed 6+ hours.
- Lost or Damaged Luggage — Up to $3,000 for luggage lost, stolen, or damaged by a common carrier.
- Secondary Rental Car Coverage (MasterRental) — Secondary collision/damage coverage on rentals up to 31 days — pays after your personal auto policy.
- Damage & Theft Purchase Protection — New purchases covered 90 days against damage or theft, up to $10,000 per claim.
- Extended Warranty — Adds up to 24 months to eligible manufacturer warranties, up to $10,000 per item.
- No Foreign Transaction Fees — No surcharge on purchases abroad.
Card data verified against Citi on 2026-08-20.
All cards · Compare cards · Find your card