Citi Strata Elite℠ Card
$595 annual fee · $730/yr in printed statement credits · 1.5x on everything else · no foreign transaction fees
Earn rates
| Category | Rate | Cap |
|---|---|---|
| Dining | 3x | uncapped |
| Everything else | 1.5x | uncapped |
| Issuer travel portal portal only — pays only if you book through the issuer's own site, so it is excluded from every ranking on this site |
6x | uncapped |
See how it ranks: best dining cards.
Signup bonus: 75,000 points after $6,000 in 3 months. We never count unearned bonuses in savings math — a bonus you don't clear is worth zero.
Statement credits — $730/yr on paper
| Credit | Value | How it pays |
|---|---|---|
| Annual Hotel Benefit | $300/year | annual |
| Annual Splurge Credit℠ | $200/year | annual · enrollment required |
| Annual Blacklane Credit | $200/year | twice a year |
| Global Entry/TSA PreCheck credit | $30/year | once every 4 years |
Monthly and quarterly credits expire if unused — that's where most of their printed value quietly disappears.
Non-cash perks
- Priority Pass™ Select membership (1,500+ lounges; covers primary, authorized users, and up to 2 guests; valued at $469)
- 4 Admirals Club® Citi Strata Elite℠ Passes per calendar year (~$300+ value, ~50 lounges)
- Trip Cancellation/Interruption, Trip Delay, Lost or Damaged Luggage, MasterRental (car rental) coverage
- Extended Warranty and Purchase Assurance Plus
- Points transfer to American Airlines, JetBlue, Virgin Atlantic, Cathay Pacific, Eva Air, Choice Hotels, The Leading Hotels of the World
- Citi Entertainment presale/exclusive event access
- Citigold/Citigold Private Client banking relationship credits ($145/yr, $595 first-year for Private Client) if primary cardmember also holds qualifying Citigold banking relationship — conditional, not a standard cardholder credit
Does the fee earn out?
The printed statement credits ($730/yr) cover the $595 fee on paper — if you'd spend that way anyway. Credits you have to remember, enroll in, or change behavior for are worth less than face value. Our app tracks each one against your actual charges.
Is this $595 fee worth it? See the break-even math →
Check the current offer on the issuer's site → Where a card link will appear once available — no link on this page pays us today.
Compared head-to-head
Don't want the fee any more?
Citi Strata Elite℠ Card can normally be product-changed to two lower-fee cards in the Citi ThankYou family instead of being closed — which keeps the account, its age and its credit line.
Comparing cards in the same currency? See the best cards that earn Citi ThankYou points →
More from Citi
Which card should this spending actually be on? The demo re-scores a year of realistic spending against every card in a wallet — free, no signup. See it on sample data →
Verified 2026-08-21 against issuer terms · sources: www.citi.com · www.citi.com · www.nerdwallet.com. Spot an error? Tell us.