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You have the Citi Strata Premier® Card
Citi · $95/yr
What you’re getting
- ✓$100 annual hotel benefit (1 stay of $500+)
- ✓No foreign transaction fees
- ✓Strong 3x earn across 5 categories
3x Air travel3x Hotels3x Restaurants3x Supermarkets3x Gas stations1x All else
What you’re probably missing
There's a 2x gap between your worst and best redemption
Citi ThankYou Points runs from 1¢ (Gift cards / statement credit) to 1.7¢ (Transfers to Flying Blue / Turkish sweet spots). Most people redeem at the bottom of that range without knowing it.
The value spread on your points
1¢ floor1¢ everyday1.7¢ maximized
Maximized play: Transfers to Flying Blue / Turkish sweet spots.
Go deeper
- Chase Sapphire Reserve in 2026: $795 fee, $2,000+ in credits, and a Park Hyatt run on the welcome bonus →
- Authorized users in 2026: when the fee pays off, when it doesn't, and the household point-pooling play most couples miss →
- Transferable Points 101: Why Chase UR, Amex MR, Citi TY, and Capital One Miles Beat Airline-Specific Cards →
This is the generic version.
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