Citi Strata Elite Card
| Annual fee | $595 Fact |
| Foreign transaction fee | None |
| Rewards currency | ThankYou Points |
| Est. point value | 1.90¢ Estimate |
Last updated Jul 25, 2026
Checked Jul 25, 2026
Before you apply
General Citi policies as commonly reported by applicants, not a prediction about your application.
How you earn
| Category | Rate | Currency | Cap |
|---|---|---|---|
| Hotels | 12x | ThankYou Points | No cap |
| Other | 12x | points | No cap |
| Restaurants | 6x | ThankYou Points | No cap |
| Flights | 6x | ThankYou Points | No cap |
| Everything else | 1.50x | ThankYou Points | No cap |
Recurring credits
Estimated value| Qualifying Citigold Private Clients receive a $595 first year banking relationship credit and a $145 credit each year thereafter if the primary cardmember has an open and current Strata Elite Card account with an assessed Annual Membership Fee of $595. | $595/yr (Calendar Year) |
| Each calendar year, enjoy up to $300 off a hotel stay of 2 nights or more when booked through cititravel.com. | $300/yr (Calendar Year) |
| Every calendar year, earn up to $200 in statement credits when booking with Blacklane, a premium global chauffeur service. Earn up to $100 January through June and up to $100 July through December. | $200/yr (one-time/annual) |
| Every calendar year, earn up to $200 in statement credits on your choice of up to 2 of the following brands: 1stDibs, American Airlines, Best Buy, Future Personal Training, and Live Nation. | $200/yr (one-time/annual) |
| Qualifying Citigold clients receive a $145 Banking Relationship Annual Credit if the primary cardmember has an open and current Strata Elite Card account with an assessed Annual Membership Fee of $595. | $145/yr (Calendar Year) |
| Receive a statement credit up to $120 every four years as reimbursement for Global Entry or TSA PreCheck application fee. | $30/yr (one-time/annual) |
Credit value depends on whether you use each credit; treat these as potential value.
Benefits & protections
Card factsComplimentary Priority Pass Select membership offering access to 1,500+ airport lounges worldwide. Annual membership fee valued at $469.
Every calendar year, receive 4 Admirals Club Citi Strata Elite Passes for access to nearly 50 Admirals Club lounges (over $300 in value), including snacks, complimentary cocktails, and personal travel assistance.
Buy now, pay later with Citi Flex Pay. Pay over time in fixed monthly payments and continue to earn points on purchases. Available on eligible purchases of $75 or more.
Includes Trip Delay Protection, Enhanced Trip Cancellation and Trip Interruption Protection, Lost or Damaged Luggage, MasterRental Coverage (car rental insurance), and Extended Warranty and Purchase Assurance Plus.
The ID Theft Protection program offered by Mastercard helps eliminate the worry of identity theft by monitoring information and alerting you if suspicious activity is found.
Get free access to your FICO Score online to review your credit history.
Use Citi Quick Lock in the Citi Mobile App or at citi.com to instantly block new charges while allowing recurring transactions to continue without disruption.
Transfer partners
Alliance reach: Oneworld, SkyTeam, Star Alliance. Points transferred to a member can often be redeemed across the alliance.