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Citi · strata

Citi Strata Elite Card

4.3 / 5

Citi ThankYou Points · Personal card

The Strata Elite pairs a $595 fee with about $820 in annual credits plus Priority Pass Select, so the math works if you use the hotel, Splurge and Blacklane credits. Its 12x and 6x rates only apply to bookings made through cititravel.com, which limits where the top earning shows up.

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At a glance

Welcome bonus: 75,000 points; Spend $6,000 in 3 months
Annual fee: $595; Year-one and ongoing
Purchase APR: 20.49% to 28.49%; No intro APR
FX fee: None

Editorial

Our take

Verdict

Pros & cons

Pros

Up to $820 a year in hotel, Splurge, Blacklane and Global Entry credits
Priority Pass Select membership plus four Admirals Club passes a year
No foreign transaction fees
ThankYou points transfer to more than 20 airline and hotel programs

Cons

$595 annual fee plus $75 per authorized user
Top earning rates require booking through cititravel.com
Credits are split across brands and half-year windows, so they take effort to use

Earnings

Earn rates

Category	Rate	Notes
Hotels, car rentals & attractions via Citi Travel	12x points	Hotels, car rentals and attractions booked on cititravel.com.
Flights via Citi Travel	6x points	Air travel booked on cititravel.com.
Dining (Citi Nights window)	6x points	Restaurants on Citi Nights purchases, Friday and Saturday 6 PM - 6 AM ET.
Dining	3x points	Restaurants at any other time.
All other purchases	1.5x points

Benefits

Key benefits

Annual hotel benefit

Up to $300 off one hotel stay of 2 nights or more each calendar year when booked through cititravel.com.

Priority Pass Select membership

Complimentary access to 1,500+ airport lounges worldwide. Citi values the membership at $469 a year.

Admirals Club passes

Four Admirals Club Citi Strata Elite passes each calendar year for access to nearly 50 American Airlines lounges.

Splurge and Blacklane credits

Up to $200 a year in statement credits at up to two chosen brands, plus up to $200 a year on Blacklane chauffeur bookings.

No foreign transaction fees

Citi charges no fee on purchases made outside the United States.

Fit

Who this is best for

Travelers who book hotels and flights through Citi Travel
People who want lounge access without a $795 fee
Diners who spend on Friday and Saturday nights

FAQ

Frequently asked questions

What is the Citi Strata Elite welcome bonus?

Earn 75,000 bonus points after spending $6,000 in the first 3 months.

Does the Citi Strata Elite charge an annual fee?

Yes. The annual fee is $595 every year.

Does the Citi Strata Elite have a foreign transaction fee?

No. The Citi Strata Elite charges no foreign transaction fee, so it works well for international purchases.

What APR does the Citi Strata Elite charge?

The purchase APR is 20.49% to 28.49% variable.

Who is the Citi Strata Elite best for?

Travelers who book hotels and flights through Citi Travel. People who want lounge access without a $795 fee. Diners who spend on Friday and Saturday nights.

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