Strata Premier

Citi · WORLD ELITE MASTERCARD · annual fee $95

The Wallet Audit values statement credits at what a typical person actually captures rather than at their advertised ceiling, and gives each rewards currency a single honest cents-per-point figure.

Earn rates

• 10× Hotels, car rentals & attractions, booked via cititravel.com
• 3× Air travel & other hotel purchases (outside Citi Travel)
• 3× Restaurants
• 3× Supermarkets
• 3× Gas & EV charging stations
• 1× Everything else

Statement credits, at their advertised value

• Annual Hotel Benefit, up to $100 a year

Advertised total $100 a year. This page shows a realistic estimate for each of these instead, which is usually lower, plus sliders to set your own figures.

No foreign transaction fee.

Purchase APR: 20.24%-28.24%

The verdict, the realistic credit values, the points valuation and the earn-rate breakdown are on the card's page. Open https://thewalletaudit.com/cards/citi-strata-premier.