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Pros & Cons
Pros
- +Welcome Bonus: 80,000 points
- +Up to 3x at restaurants
- +Lounge access included
Cons
- –High annual fee ($595/yr)
Our Review
Unlock Ultra‑Premium Rewards with the Citi Strata Elite℠ Card
- 80,000 bonus points after $4,000 in purchases within your first 3 months
- 12× points on hotels, car rentals & attractions booked through CitiTravel.com
- 6× points on airfare booked through CitiTravel.com
- 6× points on weekend dining (Friday & Saturday from 6 PM–6 AM ET)
- 3× points on restaurants any other time
- 1.5× points on all other purchases
- Up to $300 annual hotel credit on two‑night bookings via CitiTravel.com
- Up to $200 annual Splurge Credit℠ (choose two brands: 1stDibs, AA, Best Buy, personal training, Live Nation)
- Up to $200 Blacklane® chauffeur credit per year
- Priority Pass™ Select lounge access plus four Admirals Club® passes
- Up to $120 Global Entry/TSA PreCheck® credit every four years
- No foreign transaction fees
Designed for discerning travelers, the Strata Elite℠ Card turbocharges your points on every journey and gourmet meal, then offsets its $595 fee with generous annual credits and premium lounge benefits. Redeem ThankYou® Points for flights, hotels, gift cards or transfers to top airline and hotel partners—your next luxury experience is just a swipe away.
Terms apply. Bonus points, credits and benefits require qualifying spend and enrollment. See issuer for details.
Rewards
All Spending
1.5x
Citi ThankYou pts per dollar
Restaurants
3x
Citi ThankYou pts per dollar
Credit Card Rewards Calculator
See how much you could earn with this card based on your spending.
Points Earned
50,400
Citi ThankYou/yr
Estimated Value
$504
After Fees
$-91
1st Year Value
$709
incl. welcome bonus
Breakdown
Perks & Benefits
Lounge Access
Unlimited
NEXUS membership
Included
Travel Credits
Included
NEXUS Credit
$120
Additional Benefits
Travel Insurance
Trip Cancellation
Up to $5,000
Trip Interruption
Up to $5,000
Lost Baggage
Up to $5,000
Flight Delay
Up to $500
Purchase Protection
Purchase Protection
Up to $10,000 / 120 days
Extended Warranty
+2 years
Auto Rental Collision
Included
Fees and interest rates
- Annual Fee$595
- Additional card fee$75
- Foreign currency conversion fee0%
Terms & Conditions
Card Features
- Earn 80,000 bonus points after spending $4,000 in the first 3 months
- 12 points per dollar spent on Hotels, Car Rentals, and Attractions booked on cititravel.com
- 6 points per dollar spent on Air Travel booked on cititravel.com
- 6 points per dollar spent at restaurants on Citi Nights℠ purchases, Friday and Saturday from 6 PM – 6 AM ET
- 3 points per dollar spent at Restaurants any other time
- 1.5 points per dollar spent on All Other Purchases
- Up to $300 Annual Hotel Benefit
- Up to $200 Annual Splurge Credit℠
- Up to $200 Annual Blacklane® Credit
- Priority Pass™ Select membership
- American Airlines Admirals Club® Lounge Access Passes
- Additionally, Up to $120 Global Entry® or TSA PreCheck® Application Fee Credit
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Conditions apply. All information is believed accurate but not guaranteed. Card details, rewards, and offers are subject to change at any time. Always verify the latest terms on the issuer’s website before applying. Milesopedia USA may receive compensation through affiliate links. This does not affect our editorial choices or card rankings. © 2026 Citibank. All trademarks are property of their respective owners.