Are you eligible for the Citi Strata Elite's 75,000-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 new Citi Strata Elite cardholders can earn 75,000 bonus points after spending $6,000 on purchases within 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.
New Citi Strata Elite cardholders can earn 75,000 bonus points after spending $6,000 on purchases within the first three months from account opening.
TPG's October 2025 valuations place Citi ThankYou Rewards points at 1.9 cents apiece, meaning this welcome offer is worth $1,425.
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 75,000-point welcome bonus.
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.
| 4X | Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year. |
| 4X | Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year. |
| 5X | New! Earn 5X Membership Rewards® points on prepaid hotel stays booked through AmexTravel.com or the Amex Travel App. |
| 3X | Earn 3X Membership Rewards® points on flights booked through AmexTravel.com, the Amex Travel App, or purchased directly from airlines. |
| 2X | Earn 2X Membership Rewards® points on prepaid car rentals booked through AmexTravel.com or the Amex Travel App and cruises booked and paid through AmexTravel.com. |
| 1X | Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases. |
Pros
- Valuable dining and food-related credits
- Flexible rewards with airline and hotel transfer partners
- Multiple travel and purchase protections
- No foreign transaction fees
- Access to Amex Offers for additional savings (enrollment required)
Cons
- Not as useful for those living outside the U.S.
- Some may have trouble using Uber and other dining credits
- You may be eligible for as high as 100,000 Membership Rewards® Points after you spend $8,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you’re approved and find out your exact welcome offer amount – all with no credit score impact. If you’re approved and choose to accept the Card, your score may be impacted.
- Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.
- Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.
- New! Earn 5X Membership Rewards® points on prepaid hotel stays booked through AmexTravel.com or the Amex Travel App.
- Earn 3X Membership Rewards® points on flights booked through AmexTravel.com, the Amex Travel App, or purchased directly from airlines.
- Earn 2X Membership Rewards® points on prepaid car rentals booked through AmexTravel.com or the Amex Travel App and cruises booked and paid through AmexTravel.com.
- Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases.
- Pay It® lets you tap in the American Express® App to quickly pay for small purchase amounts throughout the month and still earn rewards the way you usually do. Plan It® gives you the option to split up big purchases into equal monthly payments with a fixed fee. You’ll know upfront exactly how much you’ll pay.
- Updated! $120 Dining Credit: Earn up to a total of $10 in statement credits monthly when you pay with the Gold Card at Grubhub (including Seamless), Buffalo Wild Wings, Five Guys, The Cheesecake Factory, and Wonder. This can be an annual savings of up to $120. Enrollment required.
- $100 Resy Credit: Get up to $100 in statement credits each calendar year at over 10,000 qualifying U.S. Resy restaurants after you pay for eligible purchases with the American Express® Gold Card. That’s up to $50 in statement credits semi-annually. Enrollment required.
- $84 Dunkin' Credit: Earn up to $7 in monthly statement credits after you pay with the American Express® Gold Card at U.S. Dunkin’ locations. Enrollment required.
- $120 Uber Cash on Gold: Enjoy up to $120 in Uber Cash annually with your Gold Card. Just add your Card to your Uber account and you'll get $10 in Uber Cash each month to use on orders and rides in the U.S. when you select an Amex Card for your transaction.
- New! As an American Express® Gold Card Member, you can enjoy complimentary Hertz Five Star® Status. Enjoy benefits like skipping the counter at select locations, adding an additional driver at no additional cost*, and vehicle upgrades**. Benefit enrollment and Hertz Gold+ registration are required. *Additional drivers must meet standard rental qualifications and must be a spouse or domestic partner to qualify as complimentary. Other additional drivers subject to fees. **Benefits are subject to availability and vary by location. Additional Hertz program Terms and Conditions including age restrictions apply.
- Take advantage of a $100 credit towards eligible charges* at over 1,300 upscale hotels worldwide when you book The Hotel Collection through AmexTravel.com or the Amex Travel App **. *Eligible charges vary by property. **The Hotel Collection requires a two-night minimum stay.
- Book your travel through the Amex Travel App with added peace of mind – backed by American Express® service and support. Only for American Express® Card Members.
- Whenever you need us, we're here. Our Member Services team will ensure you are taken care of. From lost Card replacement to statement questions, we are available to help 24/7.
- No Foreign Transaction Fees.
- Annual Fee is $325.
- Terms Apply.