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Citi Strata Premier: 60,000 points after $4,000 in 3 months, $95 fee

What the bonus is worth: $600 in gift cards or travel; transfers to Turkish, Avianca, Qatar and more.

Citi's page says the offer may not be available if you leave the page — apply from the issuer page directly.

Our take

Strongest everyday-category card of the bunch — 3x on groceries, gas and dining with one card. 60k is below the 75k we've seen on this card before, so if you're in no hurry, wait for the next bump; if you need a grocery-and-gas points card now, it's still a solid $95.

Who it's for

Families whose spending is groceries, gas and dining more than flights. One card, 3x on all of it, $95.

Rates & fees at a glance

Welcome bonus	60,000 points
Spend requirement	$4,000 in the first 3 months
Annual fee	$95 (Citi's page says the offer may not be available if you leave the page — apply from the issuer page directly)
APR	19.74%–27.74% variable APR on purchases and balance transfers
Earns	ThankYou points
Network	Mastercard
Checked	Oct 8, 2026 on Citi's site

How to stack it

• Time the application with a big planned expense (insurance, tuition, a trip) so the spend requirement is money you'd spend anyway.
• Shop through a cashback portal and the card's own offers (Chase Offers, Amex Offers, Capital One Offers) while meeting the spend — the bonus stacks on top of normal earning.
• Set a calendar reminder for the end of the spend window and another before the first annual fee posts.

Verified: Citi's Strata Premier page, Oct 8, 2026: “Earn 60,000 bonus points after spending $4,000 in the first 3 months.” $95 annual fee. Source: citi.com. Offers change; the issuer's page is final.

Advertiser & referral disclosure: StackTheDeal may receive a referral bonus or commission when you apply for a card or open an account through links on this page. That never changes which offers we post or what we say about them. Offer terms are as shown on the issuer's own page on the date checked; the issuer's page is final, and offers can change or end without notice. We are not a bank or lender and do not make credit decisions. How we make money.

Common questions

What's the 60,000 points worth?

$600 in gift cards or travel through Citi, or more when transferred 1:1 to partners like Turkish Airlines, Avianca, Air France/KLM or Wyndham. $600 is the floor.

Answered by StackTheDeal

Can I get this if I had the Citi Premier?

The Strata Premier is the renamed Premier. Citi's rule for this card family is no bonus if you opened or closed a Premier/Strata Premier in the last 48 months, so if your Premier is older than that you're eligible.

Answered by StackTheDeal

Does it count against Chase 5/24?

Yes, any new personal card does. Citi's own unwritten rules are 1 Citi card every 8 days and 2 every 65 days.

Answered by StackTheDeal

Does the $95 fee count toward the $4,000?

No. Purchases only, within 3 months of opening.

Answered by StackTheDeal

How fast do the points post?

Citi usually posts them within 1 to 2 billing cycles after you meet the spend, often right at the next statement.

Answered by StackTheDeal

Is there a hotel credit?

Yes, $100 off a single hotel stay of $500 or more booked through Citi Travel once per calendar year, which covers the annual fee on its own.

Answered by StackTheDeal

Apply on Citi's site 👉

Questions about this offer?

💬 Ask us and we'll check it for you: message us on WhatsApp or email stackthedeal@gmail.com. Found it cheaper? Tell us and we'll update the post.