Citi Strata Elite Card

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.

Issuer

Citi, founded in 1812 as First National City Bank, boasts a rich history of banking innovations and global leadership. Operating in nearly 160 countries with a localized presence in 95, Citi offers a diverse range of financial products, including credit cards, checking accounts, loans, and wealth management. With a customer-centric approach, Citi targets various segments, from low-income earners to high-income professionals, emphasizing innovation to simplify financial goals. The bank, with $2.6 trillion in total assets and $168 billion in annual revenue in 2025, maintains financial stability. Citi's commitment to technology is evident in its longstanding focus on innovation labs and leveraging advancements. Philanthropy and corporate social responsibility are integral to Citi's ethos, with initiatives like the Citi Foundation promoting economic progress and supporting education. Citi operates about 670 branches in the US but prioritizes online banking. Upholding values of integrity and responsibility, Citi aims to be a trusted partner in providing responsible financial services. As an FDIC-insured institution, Citi aligns its actions with regulatory compliance.

Spending Multipliers

Credits & Features