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Good Day Loans

Citi

Strata Premier

Best for: everyday categories plus travel

A $95 travel card with 3x points on air travel, restaurants, supermarkets and gas, and no foreign transaction fee.

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Good Day Loans is not currently paid by the institutions shown here. Any paid placement would be labeled and never changes rankings. Advertiser disclosureVerified Sep 28, 2026

Rewards and welcome offer

  • 10xpoints per dollar on hotels, car rentals and attractions booked on cititravel.com
  • 3xpoints per dollar on air travel and other hotel purchases
  • 3xpoints per dollar at restaurants
  • 3xpoints per dollar at supermarkets
  • 3xpoints per dollar on gas and EV charging stations
  • 1xpoint per dollar on all other purchases

Strengths and trade-offs

Strengths

  • 3x points across five everyday and travel categories
  • 10x on hotels, car rentals and attractions through cititravel.com
  • No foreign transaction fees
  • $100 off a single hotel stay of $500 or more each year, booked through cititravel.com

Trade-offs

  • $95 annual fee
  • The welcome bonus is not stated on the page

Rates and fees

Annual fee
$95
Regular APR
20.24%–28.24% variable
Intro APR
None
Balance transfer fee
Applies; amount not stated on the issuer's page
Foreign transaction fee
None
Minimum credit score
Not published by the issuer
  • The variable APR of 20.24% to 28.24% applies to purchases and balance transfers, based on creditworthiness.
  • Citi's page shows placeholder text where the welcome bonus amount should be.

Figures read from citi.com on Sep 28, 2026. Terms change without notice, so confirm with the lender.

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