Citi Strata Elite Card
| Annual fee | $595 Fact |
| Foreign transaction fee | None |
| Rewards currency | ThankYou Points |
| Est. point value | 1.90¢ Estimate |
Last updated Oct 25, 2026
Checked Oct 25, 2026
Before you apply
General Citi policies as commonly reported by applicants, not a prediction about your application.
Sign-up bonus history
5-year best: 100,000 pointsView as a table
| Period | Bonus | Spend requirement |
|---|---|---|
| Jul 2025 to Nov 2025 · 3 mo | 80,000 points | $4,000 |
| Nov 2025 to Mar 2026 · 4 mo | 100,000 points Best | $6,000 |
| Mar 2026 to now · 8 mo | 75,000 points | $6,000 |
Based on the public offers we have on record over time. Short-lived offers may not appear, and elevated or targeted offers are not shown.
How you earn
| Category | Rate | Currency | Cap |
|---|---|---|---|
| Travel (issuer portal) 12 points per dollar spent on Hotels, Car Rentals, and Attractions booked on cititravel.com |
12x | n/a | No cap |
| Restaurants | 6x | ThankYou Points | No cap |
| Flights | 6x | points | No cap |
| Everything else | 1.5x | 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. Shared across the account
|
$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. Shared across the account
|
$300/yr (Calendar Year) |
| Earn up to $200 in statement credits each calendar year when you book with Blacklane, a premium global chauffeur service. Earn up to $100 on Blacklane purchases January through June and up to $100 July through December. Shared across the account
|
$200/yr (Semiannual) |
| 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. Shared across the account
|
$200/yr (Calendar Year) |
| 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. Shared across the account
|
$145/yr (Calendar Year) |
| Receive a statement credit, up to $120 every four years, as reimbursement for your Global Entry or TSA PreCheck application fee. Shared across the account
|
$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.
Citi cardmembers get special access to purchase tickets to thousands of events, including presale tickets and exclusive experiences to concerts, sporting events, and arts and culture experiences.
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.
Authorized users on the Citi Strata Elite
Card facts$75 a year for each authorized user.
Each authorized user gets
- Priority Pass select membership
- Travel and shopping protection
Shared across the account
- Annual blacklane credit
- Annual hotel benefit
- Annual splurge credit
- Citigold private client relationship credit
- Citigold relationship credit
- Global Entry or TSA PreCheck application fee credit
Only when traveling with you
- American airlines Admirals Club lounge access passes
Transfer partners
A transfer bonus is running on this currency. Navigator shows how big it is and when it ends.
Alliance reach: Oneworld, SkyTeam, Star Alliance. Points transferred to a member can often be redeemed across the alliance.