Are you eligible for the Citi Strata Elite's 100,000-point welcome bonus?
Editor's Note
The Citi Strata Elite℠ Card (see rates and fees) came onto the premium credit card scene this summer, adding another option for luxury travel card enthusiasts.
Citi's highly anticipated successor to the Citi Prestige® Card, the card is featuring a limited-time welcome bonus and multiple perks at a $595 annual fee.
The information for the Citi Prestige Card has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.
And for a limited time, new Citi Strata Elite cardholders can earn 100,000 points after spending $6,000 in the first three months from account opening.
The Citi Strata Elite's suite of benefits includes high earning rates, unique lifestyle credits and useful travel rewards. If you like what you've read, you may be considering an application. But, are you eligible for the bonus?
Here's what to know about welcome offer restrictions and determining whether you're a candidate for the new card.
Citi Strata Elite Card welcome offer
First, let's get into what this welcome bonus entails.
For a limited time, new Citi Strata Elite cardholders can earn 100,000 bonus points after spending $6,000 within the first three months of account opening.
TPG's October 2025 valuations place Citi ThankYou Rewards points at 1.9 cents apiece, meaning this welcome offer is worth $1,900.
Since the card launched so recently, this is the best bonus we've seen in its short history.
Related: Citi adds American Airlines as a 1:1 transfer partner, offers Admirals Club passes on brand-new card
Am I eligible for the Citi Strata Elite's welcome bonus?
If you've decided to apply for the Citi Strata Elite and earn its historic welcome offer, you may have a few specific questions related to bonus eligibility. We have you covered with the answers to some commonly asked questions.
What credit score do I need for the Citi Strata Elite?
TPG recommends a minimum score of 670 to be approved for the Citi Strata Elite, although some people with lower scores may be approved.
If your credit score is too low or you're still building credit history, you should hold on getting the Strata Elite and instead go for a starter card.
What are Citi's application rules for new cards?
In general, Citi doesn't limit how many cards you can have from the bank.
However, your overall credit across all Citi cards could be limited. So, if you run into this issue, a quick call to Citi's reconsideration line should help you get approved by moving credit from one Citi card to a new one. Citi's number for checking your application status is 1-866-606-2787.
Citi also limits how frequently you can earn a welcome bonus on one of its cards. Once you earn a bonus on a Citi card, you'll have to wait 48 months to earn the welcome bonus again.
However, this isn't an issue for new applicants to the Citi Strata Elite since it's a brand-new card.
What if I already have other Citi cards?
You're eligible for the bonus on the Citi Strata Elite even if you hold other Citi cards and have earned bonuses on them. This includes the Citi Prestige, so that's good news for current Citi cardholders.
What if I also want to apply for the new Citi Strata Card?
Along with the Citi Strata Elite news, the Citi Rewards+® Card has been rebranded to the Citi Strata℠ Card (see rates and fees).
The information for the Citi Rewards+ Card has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.
The Citi Strata is a no-annual-fee card that earns Citi ThankYou Rewards points and comes with its own welcome bonus. New applicants can earn 20,000 bonus points after spending $1,000 on purchases within the first three months from account opening.
It is possible for someone looking to earn a chunk of Citi ThankYou Rewards points to successfully apply for both the Citi Strata Elite and the Citi Strata. New applicants will also be eligible to earn both bonuses.
It's worth mentioning that you can only apply for one Citi card (personal or business) every eight days, and you won't be approved for more than two cards in a 65-day window.
The only stipulations are that you won't be able to earn the welcome offer on the Citi Strata if you received a new bonus for a Citi Rewards+ account in the past 48 months or converted another Citi card that you'd earned a bonus on in the last 48 months into a Citi Strata or Citi Rewards+ account. These restrictions do not apply to the Citi Strata Elite.
Related: New Citi Strata Card now accepting applications
Bottom line
New applicants to the Citi Strata Elite should be pleased with the limited restrictions on earning the card's 100,000-point welcome bonus — the highest in the card's short history.
Applicants who are approved for the Strata Elite will receive the bonus as long as they meet the spending requirement. This card features multiple valuable perks and could be a solid addition to a frequent traveler's wallet.
To learn more, read our full review of the Citi Strata Elite Card.
Apply here: Citi Strata Elite Card
TPG featured card
at American Express's secure site
Terms & restrictions apply. See rates & fees.
| 3X | Earn 3X Miles on Delta purchases. |
| 1X | Earn 1X Miles on all other eligible purchases. |
Pros
- Delta SkyClub access when flying Delta
- Annual companion ticket for travel on Delta (upon renewal)
- Ability to earn MQDs through spending
- Various statement credits for eligible purchases
Cons
- Steep annual fee of $650
- Other Delta cobranded cards offer superior earning categories
- Earn 100,000 Bonus Miles after you spend $6,000 or more in purchases with your new Card within the first 6 months of Card Membership and an additional 25,000 bonus miles after you make an additional $3,000 in purchases on the Card within your first 6 months, starting from the date that your account is opened. Offer Ends 04/01/2026.
- Delta SkyMiles® Reserve American Express Card Members receive 15 Visits per Medallion® Year to the Delta Sky Club® when flying Delta and can unlock an unlimited number of Visits after spending $75,000 in purchases on your Card in a calendar year. Plus, you’ll receive four One-Time Guest Passes each Medallion Year so you can share the experience with family and friends when traveling Delta together.
- Enjoy complimentary access to The Centurion® Lounge in the U.S. and select international locations (as set forth on the Centurion Lounge Website), Sidecar by The Centurion® Lounge in the U.S. (see the Centurion Lounge Website for more information on Sidecar by The Centurion® Lounge availability), and Escape Lounges when flying on a Delta flight booked with the Delta SkyMiles® Reserve American Express Card. § To access Sidecar by The Centurion® Lounge, Card Members must arrive within 90 minutes of their departing flight (including layovers). To access The Centurion® Lounge, Card Members must arrive within 3 hours of their departing flight. Effective July 8, 2026, during a layover, Card Members must arrive within 5 hours of the connecting flight.
- Receive $2,500 Medallion® Qualification Dollars with MQD Headstart each Medallion Qualification Year and earn $1 MQD for each $10 in purchases on your Delta SkyMiles® Reserve American Express Card with MQD Boost to get closer to Status next Medallion Year.
- Enjoy a Companion Certificate on a Delta First, Delta Comfort, or Delta Main round-trip flight to select destinations each year after renewal of your Card. The Companion Certificate requires payment of government-imposed taxes and fees of between $22 and $250 (for itineraries with up to four flight segments). Baggage charges and other restrictions apply. Delta Basic experiences are not eligible for this benefit.
- $240 Resy Credit: When you use your Delta SkyMiles® Reserve American Express Card for eligible purchases with U.S. Resy restaurants, you can earn up to $20 each month in statement credits. Enrollment required.
- $120 Rideshare Credit: Earn up to $10 back in statement credits each month after you use your Delta SkyMiles® Reserve American Express Card to pay for U.S. rideshare purchases with select providers. Enrollment required.
- Delta SkyMiles® Reserve American Express Card Members get 15% off when using miles to book Award Travel on Delta flights through delta.com and the Fly Delta app. Discount not applicable to partner-operated flights or to taxes and fees.
- With your Delta SkyMiles® Reserve American Express Card, receive upgrade priority over others with the same Medallion tier, product and fare experience purchased, and Million Miler milestone when you fly with Delta.
- Earn 3X Miles on Delta purchases and earn 1X Miles on all other eligible purchases.
- No Foreign Transaction Fees. Enjoy international travel without additional fees on purchases made abroad.
- $650 Annual Fee.
- Apply with confidence. Know if you're approved for a Card with no impact to your credit score. If you're approved and you choose to accept this Card, your credit score may be impacted.
- Terms Apply.
- See Rates & Fees