Citi Strata Elite Card Credit Card

Citi Strata Elite Card

Last Updated: 02/25/2026

Rating
3.8 / 5
Sign Up Bonus
75,000 Points
Annual Fee
$595
Credit Score
Good

Summary

Sign-Up Bonus
3
Spending Multipliers
4
Credits & Features
5
Fees
2
Application
3.5
Issuer
NaN

The Citi Strata Elite Card from Citibank is a premium travel rewards card tailored for frequent flyers and high-spending travelers who want robust perks and credits to justify an annual fee that isn’t waived the first year. With no foreign transaction fees, a rewarding 1.5x catch-all rewards rate, and a suite of travel benefits — including Priority Pass Select airport lounge access, four American Airlines Admirals Club® passes, baggage insurance, trip delay and cancellation coverage, and a $120 Global Entry/TSA PreCheck credit every four years — it’s designed for those who spend heavily on travel and everyday purchases. The card also offers generous credits like $300 annual hotel credit, $200 annual splurge credit, $100 semi-annual Blacklane credit, and a $145 Banking Relationship credit, though these niche perks may not fully offset the annual fee for all users and are distributed throughout the year. With an extended warranty and premium protections, the Citi Strata Elite card benefits seasoned travelers who value comprehensive travel insurance, airport perks, and elevated rewards over simple cashback, making it ideal for frequent domestic and international adventurers who can take full advantage of the extensive benefits package.

Pros

Check mark
No foreign transaction fee
Check mark
6x Points at restaurants on Citi Nights
Check mark
Extended warranty

Cons

Negative sign
Annual fee not waived in the first year
Negative sign
Credits may not offset annual fee as they are niche perks
Negative sign
Some credits are paid incrementally throughout the year
Negative sign
1.5x catch all category

Issuer

Spending Multipliers

Credits & Features

$300 annual hotel credit
$200 annual splurge credit
$100 semi-annual Blacklane credit
$145 annual Banking Relationship credit
Priority Pass Select
4 American Airline Admirals Lounge Passes
$120 credit for Global Entry or TSA PreCheck every 4 years
Baggage Insurance
Trip Delay Insurance
Trip Cancellation and Interruption Insurance

Application

  • Citi has a strict 8/65 rule, meaning you can only apply for 1 Citi card every 8 days and at most 2 Citi cards every 65 days
  • Welcome bonus is only available if you didn’t receive one in the last 48 months
  • Number of hard pulls have a huge impact on Citi applications, consider having less than 3 hard pulls in the past 6 months
  • Consider having at least a credit history for 1 year

Fees

  • $595 Annual Fee
  • No Foreign Transaction Fee
  • Up to $41 late fee
  • Up to $41 return payment fee
  • 20.49% - 28.49% Variable APR
  • 29.74% APR for Cash Advance
  • $10 or 5% of each cash advance amount (whichever is greater)
  • 20.49% - 28.49% APR for Balance Transfer
  • $5 or 5% of each transfer amount (whichever is greater)
See Full and Updated Rate & Fee Schedule During Application Process