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Citi Strata Premier: terms, score and downsides Not credit advice. Facts and math from issuer pages and the CFPB, each with its date. Offers change; approval depends on your credit. Verify on the issuer's site.
Rubric score 68.3% across 78 cards. Issuer page ↗
Downsides first $95 annual fee APR up to 27.74% if you carry a balance Penalty APR up to 29.99% Late fee up to $41 Terms & fees Issuer Citi Type travel Annual fee $95 citi.com, 2026-10-11 Regular purchase APR 19.74%–27.74% variable citi.com, 2026-10-11 Rewards 10x Citi Travel hotels/cars/attractions; 3x air, hotels, restaurants, supermarkets, gas/EV; 1x other citi.com, 2026-10-11 Sign-up bonus (≈$) $600 60,000 points after $4,000 in 3 months citi.com, 2026-10-11 Intro APR none No intro APR offer shown citi.com, 2026-10-11 Foreign transaction fee none citi.com, 2026-10-11 Penalty APR up to 29.99% up to; may apply after a late or returned payment citi.com, 2026-10-12 Late fee up to $41 up to (first and repeat late fee) files.consumerfinance.gov, 2025-12-31 Balance transfer fee 5% files.consumerfinance.gov, 2025-12-31 Cash advance fee 5% files.consumerfinance.gov, 2025-12-31 Credit needed 620–719, 720+ (CFPB TCCP targeted tiers) files.consumerfinance.gov, 2025-12-31 Grace period 23 days files.consumerfinance.gov, 2025-12-31 Cash advance APR 29.74% files.consumerfinance.gov, 2025-12-31 CFPB survey APR (2025-12-31) 19.49%–27.49% files.consumerfinance.gov, 2025-12-31 older; issuer figure above is newer Complaint record (CFPB) Complaints, last 12 months 23,436 Trend ▲ 28.7% (last 12 mo 23,436 vs prior 12 mo 18,210)Timely response (last 36 mo) 100.0% Per $1B deposits (12 mo) 15.14 Top issue Problem with a purchase shown on your statement Insurance status FDIC-insured: Citibank, National Association (cert 7213, active; deposits $1,547.6B as of 06/30/2026) Company-level (CITIBANK, N.A.), all products, as of 2026-10-12. Citi complaints: full record → Shown for context; does not change the score.
Score breakdown Annual fee 8.0 /10 Annual fee $95 (as of 2026-10-11). Rubric: $0=10, ≤$95=8, ≤$395=5, ≤$695=3, more=1 (perks/credits are not counted). Rewards rate 6.5 /10 Base 1% on everything, top category 10% (as of 2026-10-11; points/miles valued at 1¢). Score = base/2%×7 + min(top,6)/6%×3. 10x Citi Travel hotels/cars/attractions; 3x air, hotels, restaurants, supermarkets, gas/EV; 1x other Sign-up bonus 8.0 /10 Bonus ≈ $600: 60,000 points after $4,000 in 3 months (as of 2026-10-11). Score = value/$75, max 10. Intro 0% APR 0.0 /10 No intro APR offer shown (as of 2026-10-11). Score = months/21×10. Regular APR 7.3 /10 19.74%–27.74% variable (as of 2026-10-11); midpoint 23.74%. Score = (34 − midpoint)/1.4, 0–10. Foreign transaction fee 10.0 /10 No foreign transaction fee (as of 2026-10-11). Regulatory record (CFPB) 8.0 /10 Issuer Citi: Base 10, −2 CFPB 2023-11 0.143×8.0 + 0.143×6.5 + 0.143×8.0 + 0.143×0.0 + 0.143×7.3 + 0.143×10.0 + 0.143×8.0 = 6.83 → 68.3%
Is Citi Strata Premier worth it? (break-even math) → Value for my spending →
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FAQ What is the Citi Strata Premier annual fee? $95
What is the Citi Strata Premier APR? 19.74%–27.74% variable
Estimates, not financial advice. Taxes, insurance, PMI and fees vary by lender, county and city; confirm with your lender, dealer and state agency before acting.