Credit card

Citi Strata Elite℠ Card

Points

MASTERCARD

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Card review

Citi Strata Elite℠ Card

4.6 9.2/10 DebitCue Score Verified Jun 20, 2026

Premium travel perks and up to $1,100+ in annual credits.

Fee: $595 USD/yr
Purchase APR: 20.49% - 28.49%
Interest-free: -
Foreign fee: None

Rewards

12X ThankYou Points on hotels, car rentals, and attractions via Citi Travel; 6X on airfare booked via Citi Travel; 6X at restaurants on Friday–Saturday evenings (3X other times); 1.5X on all other purchases.

Welcome offer

75,000 ThankYou Points after spending $6,000 in the first 3 months (a 100,000-point limited-time offer has also been available).

Our verdict

What stands out, and where it falls short.

What we like

12X ThankYou Points on hotels, car rentals, and attractions…
Welcome bonus
No foreign transaction fees
Airport lounge access
Travel insurance included

Worth weighing

$595 USD/yr card fee

Who It Is For

Whether the Citi Strata Elite℠ Card fits how you actually spend.

Pick it if you are

Frequent travelers
People who want rewards on their spending
Travelers who value airport lounges
People who pay big purchases off over time

Skip it if you are

Light spenders who won't beat the $595 USD/yr fee

Rates and fees

As of June 20, 2026

All amounts shown in USD.

Card fee: $595 USD/yr
Purchase APR: 20.49% - 28.49%
Interest-free period: -
Foreign transaction fee: None
Purchase APR: 20.49%–28.49% variable
Annual Fee: $595

Rewards and features

Rewards: 12X ThankYou Points on hotels, car rentals, and attractions via Citi Travel; 6X on airfare booked via Citi Travel; 6X at restaurants on Friday–Saturday evenings (3X other times); 1.5X on all other purchases.
Welcome offer: 75,000 ThankYou Points after spending $6,000 in the first 3 months (a 100,000-point limited-time offer has also been available).
Installments: Citi Flex Pay available
Pay with: Apple Pay, Google Pay, Contactless, Virtual card
Hotel Status: Complimentary Marriott Bonvoy Gold Elite and Hilton Honors Gold status
Annual Credits Value: Up to $700+ in travel/lifestyle credits annually

Benefits and perks

Extras that come bundled with the card.

Priority Pass Select

Complimentary Priority Pass Select membership with access to 1,500+ airport lounges worldwide for cardholder and authorized users plus 2 guests.
Admirals Club Passes

4 American Airlines Admirals Club passes annually.
Trip Delay, Cancellation & Interruption

Covers trip delays, cancellations, and interruptions due to covered reasons.
Lost Baggage Protection

Coverage for lost or damaged luggage on commercial carriers.
Rental Car Coverage

MasterRental car rental collision damage coverage.
Global Entry / TSA PreCheck Credit

Up to $120 statement credit on application fee every 4 years.
$300 Annual Hotel Credit

Up to $300 per year on hotel stays of 2+ nights booked via Citi Travel.
$200 Blacklane Ride Credit

Up to $200 annually in Blacklane luxury ride credits (split semi-annually).
$200 Splurge Credit

Up to $200 in annual credits for select brands including American Airlines, Best Buy, and Live Nation.
No Foreign Transaction Fee

No fees on international purchases.
Mastercard Collection Perks

Exclusive restaurant reservations, event access, and Mixology platform (Fashioned by Death & Co.).

Citi Strata Elite℠ Card: your questions answered

How much does the Citi Strata Elite℠ Card cost?

The Citi Strata Elite℠ Card costs $595 USD/yr.

What rewards does the Citi Strata Elite℠ Card earn?

The Citi Strata Elite℠ Card earns 12X ThankYou Points on hotels, car rentals, and attractions via Citi Travel; 6X on airfare booked via Citi Travel; 6X at restaurants on Friday–Saturday evenings (3X other times); 1.5X on all other purchases..

Does the Citi Strata Elite℠ Card charge foreign transaction fees?

No - the Citi Strata Elite℠ Card has no foreign transaction fees, so it suits spending abroad.

What is the interest rate on the Citi Strata Elite℠ Card?

The Citi Strata Elite℠ Card has a purchase APR of 20.49% - 28.49%.

Does the Citi Strata Elite℠ Card have a welcome offer?

Yes - 75,000 ThankYou Points after spending $6,000 in the first 3 months (a 100,000-point limited-time offer has also been available)..

Can I pay in installments with the Citi Strata Elite℠ Card?

Yes - Citi Flex Pay available.

Is the Citi Strata Elite℠ Card a credit, debit or prepaid card?

The Citi Strata Elite℠ Card is a credit card issued by Citi on the Mastercard network.

Does the Citi Strata Elite℠ Card support Apple Pay and Google Pay?

Yes - the Citi Strata Elite℠ Card works with both Apple Pay and Google Pay.