How much does the Citi Strata Premier℠ Card earn on typical spending?

About $322 a year on a $2,400/month mix — an effective 1.12% back, before its $95 annual fee.

What is the Citi Strata Premier℠ Card first-year value?

Roughly $977: $322 in rewards plus the $750 welcome bonus (as of July 2026), minus the $95 fee.

On a typical $2,400/month spending mix, the Citi Strata Premier℠ Card earns about $322 a year — an effective 1.12% back. Its annual fee is $95.

Rate caveats: 10X on hotels and car rentals booked through CitiTravel.

Category	Monthly spend	Rate	Per year
Groceries	$220	1x	$26
Dining	$140	1x	$17
Travel	$70	3x	$25
Gas & transit	$100	1x	$12
Online shopping	$120	1x	$14
Streaming	$20	1x	$2
Everything else	$530	1x	$64
Total	$1,200	1.12%	$161

Category	Monthly spend	Rate	Per year
Groceries	$430	1x	$52
Dining	$290	1x	$35
Travel	$140	3x	$50
Gas & transit	$190	1x	$23
Online shopping	$240	1x	$29
Streaming	$50	1x	$6
Everything else	$1,060	1x	$127
Total	$2,400	1.12%	$322

Category	Monthly spend	Rate	Per year
Groceries	$810	1x	$97
Dining	$540	1x	$65
Travel	$270	3x	$97
Gas & transit	$360	1x	$43
Online shopping	$450	1x	$54
Streaming	$90	1x	$11
Everything else	$1,980	1x	$238
Total	$4,500	1.12%	$605

$322 rewards + $750 welcome bonus (75,000 points, as of July 2026) − $95 fee = $977

Wondering if the $95 fee pays for itself? See the breakeven math.

Groceries$430

Dining$290

Travel$140

Gas & transit$190

Online shopping$240

Streaming$50

Everything else$1060

$2,400/mo → $322/yr with the Citi Strata Premier℠ Card (1.12% back)

Source: 67.credit, “Citi Strata Premier℠ Card Rewards Calculator”, rates verified 2026-05-12 — 67.credit/card/citi-strata-premier/calculator