Citi Strata℠ Card vs Strata Premier® vs Strata Elite℠ (Foreign Transaction Fees)
Accurate as of: May 03, 2026
This page compares only one thing: foreign transaction fees across the Citi Strata card lineup.
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Citi Strata℠ Card
The Citi Strata℠ Card charges a 3% foreign transaction fee on purchases made outside the U.S. It has a $0 annual fee.
What this means: This card works well if you want a no-annual-fee option and mainly spend domestically, but it is not ideal for international travel due to the fee.
Citi Strata Premier® Card
The Citi Strata Premier® Card has no foreign transaction fees and carries a $95 annual fee.
What this means: This is a middle option. It removes foreign fees while keeping the annual cost relatively low, making it better for occasional international use.
Citi Strata Elite℠ Card
The Citi Strata℠ Elite Card has no foreign transaction fees and a $595 annual fee.
What this means: This is a premium travel card. It makes sense only if you want higher-end travel benefits and are willing to pay a significantly higher annual fee.
Summary
- Strata: 3% foreign transaction fee, $0 annual fee — best for domestic use
- Premier: No foreign fees, $95 annual fee — balanced travel option
- Elite: No foreign fees, $595 annual fee — premium travel use only
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