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. For a limited time, new applicants can earn 30,000 bonus points after spending $1,000 within the first three months of 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
Rewards
| 2X miles | 2 miles per dollar on every purchase |
| 5X miles | 5 miles per dollar on flights and vacation rentals booked through Capital One Business Travel |
| 10X miles | 10 miles per dollar on hotels and rental cars booked through Capital One Business Travel |
Intro offer
Annual Fee
Recommended Credit
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- Another drawback is that the annual travel credit can only be used on bookings made through Capital One Business Travel.
- LIMITED-TIME OFFER: Earn up to 400K bonus miles: 200K miles when you spend $30K in the first 3 months, and an additional 200k miles when you spend $150k in the first 6 months
- Earn unlimited 2X miles on every purchase, everywhere—with no limits or category restrictions
- Earn 10X miles on hotels and rental cars and 5X miles on flights and vacation rentals booked through Capital One Business Travel
- With no preset spending limit, enjoy big purchasing power that adapts so you can spend more and earn more rewards
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Rewards Rate
| 2X miles | 2 miles per dollar on every purchase |
| 5X miles | 5 miles per dollar on flights and vacation rentals booked through Capital One Business Travel |
| 10X miles | 10 miles per dollar on hotels and rental cars booked through Capital One Business Travel |
Intro Offer
Earn 200K miles when you spend $30K in the first 3 months, and an additional 200K miles when you spend $150K in the first 6 monthsLIMITED-TIME OFFER: Earn up to 400K bonus milesAnnual Fee
$395Recommended Credit
Credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.740-850Excellent
Why We Chose It
The Capital One Venture X Business Card has all the Capital One Venture X Rewards Credit Card has to offer and more. It offers an incredible welcome bonus and requires an equally impressive spend to qualify. In addition, the card comes with premium travel perks like annual travel credit. (Partner offer)Pros
- The Capital One Venture X business card has a very lucrative welcome offer.
- In addition, the card comes with many premium travel perks such as an annual $300 credit for bookings through Capital One Business Travel.
- Business owners are also able to add employee cards for free.
Cons
- The card requires significant spending to earn the welcome offer.
- Another drawback is that the annual travel credit can only be used on bookings made through Capital One Business Travel.
- LIMITED-TIME OFFER: Earn up to 400K bonus miles: 200K miles when you spend $30K in the first 3 months, and an additional 200k miles when you spend $150k in the first 6 months
- Earn unlimited 2X miles on every purchase, everywhere—with no limits or category restrictions
- Earn 10X miles on hotels and rental cars and 5X miles on flights and vacation rentals booked through Capital One Business Travel
- With no preset spending limit, enjoy big purchasing power that adapts so you can spend more and earn more rewards
- Empower your teams to make business purchases while earning rewards on their transactions, with free employee and virtual cards. Plus, automatically sync your transaction data with your accounting software and pay your vendors with ease
- Redeem your miles on flights, hotels and more. Plus, transfer your miles to any of the 15+ travel loyalty programs
- Every year, you'll get 10,000 bonus miles after your account anniversary date. Plus, receive an annual $300 credit for bookings made through Capital One Business Travel
- Receive up to a $120 credit for Global Entry or TSA PreCheck®. Enjoy access to 1,300+ airport lounges worldwide, including Capital One Lounge locations and Priority Pass™ lounges, after enrollment
- Enjoy a $100 experience credit and other premium benefits with every hotel and vacation rental booked from the Premier Collection
- This is a pay-in-full card, so your balance is due in full every month