Card details · Citi
Citi Strata Elite Card review: fees, rewards and APR
The Citi Strata Elite℠ Card is a credit card from Citi with a $595 annual fee. By our overall score it ranks #124 of the 294 credit cards we rank (store-only cards excluded), and #9 of 14 Citi cards. It is listed in our travel and dining rankings.
Key facts
- Issuer
- Citi
- Network
- Mastercard
- Annual fee
- $595
- Welcome offer
- Earn 75,000 bonus points after spending $6,000 in the first 3 months.
- Foreign transaction fee
- None
- Our overall score
- 53 (#124 of 294 cards)
Sign-up bonus history
Below the highest offer we’ve tracked (100,000 points)
- Current offer
- 75,000 points
Earn 75,000 bonus points after spending $6,000 in the first 3 months. - Highest tracked since April 2026
- 100,000 points
Earn 100,000 bonus points after spending $6,000 in the first 3 months. - Lowest tracked since April 2026
- 75,000 points
Earn 75,000 bonus points after spending $6,000 in the first 3 months. - Changes tracked
- 1
Show each tracked change
| Date | Headline amount | Offer as recorded |
|---|---|---|
| Apr 22, 2026 | 100,000 points | Earn 100,000 bonus points after spending $6,000 in the first 3 months. |
| Aug 2, 2026 | 75,000 points | Earn 75,000 bonus points after spending $6,000 in the first 3 months. |
We compare each offer’s headline bonus amount and track it since April 2026 (earlier history is not covered). Spend requirements and time windows may have changed too. Past offers don’t predict future ones. Methodology.
Rewards
- 12x points per dollar spent on Hotels, Car Rentals, and Attractions booked on cititravel.com
- 6x points per dollar spent on Air Travel booked on cititravel.com
- 6x points per dollar spent at restaurants on Citi Nights℠ purchases
- 3x points per dollar spent at restaurants any other time
- 1.5x points per dollar spent on All Other Purchases
Benefits and notes
Up to $300 off a hotel stay of 2 nights or more when booked through cititravel.com each year; Up to $200 Annual Splurge Credit℠; Up to $200 Annual Blacklane® Credit; Priority Pass™ Select membership; American Airlines Admirals Club® Lounge Access Passes; Up to $120 Global Entry® or TSA PreCheck® Application Fee Credit
Where it ranks
- Overall: #124 of 294 cards (score 53)
- Citi credit cards: #9 of 14
- Travel cards: #45 of 47 by our travel score
- Dining cards: #59 of 67 by our dining score
Category positions use the score each category ranking is built on, among the non-store cards tagged with that category in our database; a category page can show fewer cards (for example after filters), so its on-page position can differ slightly.
How we put this page together
Everything on this page comes from our card database (checked against Citi’s own site) as of October 21, 2026: fees, APRs, rewards and the welcome offer are shown as stored, without our own estimates. The score is our overall card score, explained in our methodology. We don’t publish star ratings or user reviews. Terms apply; confirm current terms with the issuer before applying.
Compare the Citi Strata Elite Card
Frequently asked questions
What is the annual fee on the Citi Strata Elite Card?
$595, as stored in our database. Confirm the current fee on Citi’s site.
Does the Citi Strata Elite Card have a welcome bonus?
Our database lists this offer: Earn 75,000 bonus points after spending $6,000 in the first 3 months. Offers change often and terms apply.
Does the Citi Strata Elite Card have a 0% intro APR?
Our database lists no intro APR offer for this card.
Does the Citi Strata Elite Card charge foreign transaction fees?
Our database lists no foreign transaction fee for this card.
How does the Citi Strata Elite Card rank on YourBestCards?
#124 of 294 cards by our overall score (53). In our category lists: #45 of 47 travel cards; #59 of 67 dining cards.
What is the highest Citi Strata Elite Card sign-up bonus you have tracked?
Since April 2026, the highest headline amount we have tracked is 100,000 points and the lowest is 75,000 points, across 1 change. The current offer is 75,000 points. This only covers the period we have tracked; terms apply.
Other top Citi cards
- 10x points per $1 spent on hotels, car rentals and attractions booked at cititravel.com
- 3x points on air travel and other hotel purchases
- 3x points at supermarkets, restaurants, gas & EV charging stations
- Annual fee
- $95
- Welcome offer
- Earn 60,000 bonus points spending $4,000 in the first 3 months of account opening, redeemable for $600 in gift cards or travel rewards at thankyou.com.
- 5x points per dollar on hotels, car rentals, and attractions booked on cititravel.com
- 3x points per dollar spent at supermarkets
- 3x points per dollar spent on select transit and at gas & EV charging stations
- Annual fee
- $0
- Welcome offer
- Earn 20,000 bonus points after spending $1,000 in the first 3 months.
- Intro APR
- purchases 15 months · balance transfers 15 months
- 3 AAdvantage® miles for every $1 spent on eligible American Airlines purchases
- 6 AAdvantage® miles for every $1 spent on eligible AAdvantage Hotels™ bookings
- 2 AAdvantage® miles for every $1 spent at restaurants, including takeout and delivery
- Annual fee
- $350
- Welcome offer
- Earn 60,000 AAdvantage® bonus miles after $4,000 in purchases in the first 3 months
- 12 AAdvantage® miles for every $1 spent on eligible AAdvantage Hotels® bookings and eligible AAdvantage Cars® bookings
- 4 AAdvantage® miles for every $1 spent on eligible American Airlines purchases. After you spend $150,000 in purchases in a calendar year, earn a total of 5 AAdvantage® miles for every $1 spent on eligible American Airlines purchases for the remainder of the year
- 1 mile for all other purchases
- Annual fee
- $695
- Welcome offer
- Earn 125,000 AAdvantage® bonus miles after making $15,000 in purchases within the first 5 months of account opening.
- 2X AAdvantage® miles for every $1 spent on American Airlines purchases
- 2X miles at restaurants including takeout
- 2X miles at gas stations
- Annual fee
- $99
- Welcome offer
- Earn 80,000 American Airlines AAdvantage® bonus miles after $3,500 in purchases in the first 4 months.
Offers, fees and APRs are shown as stored in our database and can change at any time; terms apply. Always confirm current terms on the issuer’s site before applying. Not financial advice. Partner links, where they exist, never change the order. Affiliate disclosure.