Citi
Citi Strata Elite Card
Estimated value every year on typical spending
$1,004/ year
Before the annual fee — we couldn't confirm it, so check the issuer's site.
Based on a typical ~$2,600/month of spending. Points valued conservatively; confirm terms with the issuer.
Credits & perks, at estimated real use: Annual Hotel Benefit $300 → $150 · Splurge Credit $200 → $70 · Annual Blacklane Credit $200 → $70 · Admirals Club Passes (not counted) · Global Entry/TSA PreCheck Credit $30
Carry a balance? At 20%+ APR, interest usually costs more than any card earns.
Is it worth it?
We couldn't confirm the Citi Strata Elite Card's annual fee from the issuer's page, so we don't put a dollar value on it. Check the fee on the issuer's site before comparing.
The fine print
- Intro APR
- Not listed
- Regular APR
- Not listed
- Foreign fee
- None
- Top perk
- Complimentary Priority Pass™ Select membership
- Approval
- Excellent credit recommended
- Redeem for
- Airline/hotel bookings · Loyalty program transfers · Gift cards
Rewards
- 12 points per dollar on Hotels, Car Rentals, and Attractions booked on cititravel.com
- 6 points on Air Travel and select restaurant purchases
- 1.5 points on all other purchases
Sign-up bonus
Not specified
Best for
- Big spenders on dining
- Travelers who redeem points
- Keeping costs at $0
Not ideal for
- People who want plain cash back
- Thin or new credit files
Trade-offs: Better travel value ↔ less straightforward than cash back; Top-tier earning ↔ harder to qualify for; No annual fee ↔ lower category bonuses.
Worth knowing
- Annual fee
- See issuer site
- Intro APR
- Not listed
- Regular APR
- Not listed
- $400/mo on dining earns about $288/year (6x).
- $1200/mo on everyday spending earns about $216/year (1.5x).
Offer history
No changes to the fee, welcome offer or intro APR since we started checking this card daily on Oct 26, 2026.
Citi Strata Elite Card: questions people ask
Is the Citi Strata Elite Card worth it?
We couldn't confirm the Citi Strata Elite Card's annual fee from the issuer's page, so we don't put a dollar value on it. Check the fee on the issuer's site before comparing.
What is the Citi Strata Elite Card annual fee?
Citi's page didn't state the fee when we last checked. Confirm it on the issuer's site.
What does the Citi Strata Elite Card earn?
12 points per dollar on Hotels, Car Rentals, and Attractions booked on cititravel.com. 6 points on Air Travel and select restaurant purchases. 1.5 points on all other purchases.
What credit score do you need for the Citi Strata Elite Card?
The issuer doesn't say; we'd class it as: excellent credit recommended. Checking your matches on CardFit never runs a credit check.
Does the Citi Strata Elite Card charge foreign transaction fees?
No. The Citi Strata Elite Card has no foreign transaction fee.
Compare Citi Strata Elite Card
Similar cards
- ChaseAir Canada Aeroplan Card$408/yr · $195 fee
- ChaseChase Sapphire Preferred Credit Card$561/yr · $95 fee
- American ExpressDelta SkyMiles Gold American Express Card$404/yr · $150 fee
- ChaseIHG One Rewards Premier Credit Card$540/yr · $150 fee
Card details are collected from issuer websites and were last refreshed October 29, 2026. Source: Citi product page. Terms change often; confirm them with the issuer before you apply.