Credit card · issued by Citi
Citi Strata Premier℠
Among the 9 credit cards we track, it ranks 4th by annual fee.
Citi
Citi Strata Premier℠
3.3Bank Compass score
#4 of 9 in our credit card rankingAnnual fee
$95
Rewards
10x points on Citi Travel bookings, 3x points on dining and fuel, 1x on everything else
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Bank Compass is not a bank, is not FDIC-insured, does not provide financial advice, and is not affiliated with the entities compared unless otherwise noted. Rates and terms change — always verify on the bank's official website.
Related reading
A card is cheap or expensive depending on one thing: whether the balance survives the month. These explain what happens either way.
- How Credit Card APR Actually Works (And How to Make It Irrelevant)Your card's APR is an annual rate, but it is charged daily on whatever balance you carry past the due date. Pay the statement balance in full and you never touch it. Carry a balance and it becomes the most expensive number in your finances.Guide · 5 min read
- What Happens If You Only Pay the Minimum on a Credit CardThe minimum payment is not a suggested payment. It is the smallest amount that keeps your account in good standing — calculated so that the balance goes down as slowly as the issuer is allowed to make it.Guide · 4 min read
- Credit Utilization: The Fastest-Moving Part of Your Credit ScoreHow much of your available credit you are using gets recalculated every month, which makes it the one score factor you can change quickly. It is also the one wrapped in the most confident misinformation — starting with the famous 30% rule.Guide · 4 min read
- 7 Credit Card Perks You Are Probably Not UsingRewards get the advertising. The protections buried in the benefits guide are often worth more — and unlike points, they cost you nothing to have. Here are the seven worth checking on your own card, and how to find out if you have them.Guide · 5 min read
Run the numbers
An APR is a percentage until it has a balance next to it. These put one there.
- Credit Card Payoff CalculatorSee how long paying only the minimum really takes, and how much an extra $50 or $100 a month saves.
- Debt Payoff CalculatorCompare the debt avalanche and debt snowball strategies to see which pays off your debts faster and cheaper.
- 50/30/20 Budget CalculatorSplit your income into needs, wants, and savings using the 50/30/20 rule.
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