Chase
IHG One Rewards Premier Credit Card
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$99$700 bonus
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Citi Strata Premier Card
A mid-tier points card with a $95 annual fee and broad category coverage for travel and everyday spending.
Last verified Mar 29, 2026. Confirm live issuer terms before applying.
Bottom line
Worth a closer look if the benefits fit your routine
- Best fit
- Best fit if travel and dining is already in your budget and you can route about $1,333/mo of normal spend.
- Watch out
- $95 fee only works if the benefits are useful without changing your spending behavior.
Bonus ROI
18%
Welcome bonus on required spend
Annual fee
$95
Annual card cost
Credit needed
Good+
Issuer approval tier
Required spend
$4,000 / 3 mos
Welcome-offer threshold
Travel
10x
10 ThankYou Points per $1 on hotels, car rentals, and attractions booked through Citi Travel.
Travel
3x
3 ThankYou Points per $1 on air travel and other hotel purchases.
Dining
3x
3 ThankYou Points per $1 at restaurants.
Groceries
3x
3 ThankYou Points per $1 at supermarkets.
Credits And Perks
What actually offsets the fee
$100 Annual Hotel Benefit
~$100/yrEligible hotel stays booked through Citi Travel can receive a $100 benefit once per calendar year.
Citi Entertainment
Eligible cardholders can access select tickets, experiences, and presales through Citi Entertainment.
Trip Cancellation and Interruption Protection
Can reimburse covered prepaid travel expenses when a qualifying trip is canceled or interrupted for a covered reason.
Trip Delay Protection
Can reimburse eligible out-of-pocket expenses when a covered trip is delayed beyond the issuer's threshold.
1 recurring credit found in the current dataset.
Good Fit If
Why you would choose it
- Broad bonus categories including travel and dining
- No foreign transaction fees
- Access to ThankYou transfer partners
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