Name: Citi Strata Elite℠ Card
Brand: Citi

Earn 75,000 bonus Points

Earn 75,000 bonus Points after spending $6,000 in the first 3 months of account opening.

at Citi's secure site.
Terms & restrictions apply. See rates & fees.

Rewards Rates
1.5 - 12X points
Annual Fee
$595
Regular APR
20.49% - 28.49% (Variable)
Recommended Credit
Excellent, Good

at Citi's secure site.
Terms & restrictions apply. See rates & fees.

At a glance

Rewards Rates

12X: Earn 12 Points per $1 spent on Hotels, Car Rentals, and Attractions booked on cititravel.com.
6X: Earn 6 Points per $1 spent on Air Travel booked on cititravel.com.
6X: Earn 6 Points per $1 spent at Restaurants including Restaurant Delivery Services on CitiNights℠ purchases, every Friday and Saturday from 6 PM to 6 AM ET. Earn 3 Points per $1 spent any other time.
1.5X: Earn 1.5 Points per $1 spent on All Other Purchases.

Intro Offer

Earn 75,000 bonus Points

Earn 75,000 bonus Points after spending $6,000 in the first 3 months of account opening.

Ongoing Purchases APR

20.49% - 28.49% (Variable)

Ongoing Balance Transfer APR

20.49% - 28.49% (Variable)

Ongoing Cash Advance APR

29.74% (Variable)

Ongoing Penalty APR

Up to 29.99% (Variable)

Annual Fee

$595

Recommended Credit

670-850Excellent, Good

More Details

Earn 75,000 bonus Points after spending $6,000 in the first 3 months of account opening.
Earn 12 Points per $1 spent on Hotels, Car Rentals, and Attractions booked on cititravel.com and 6 Points per $1 spent on Air Travel booked on cititravel.com

Our Take

TPG Editor's Rating

3.5 / 5

Overview

Citi Strata Elite℠ Card is a premium travel card that balances premium benefits with flexible lifestyle perks. It offers elevated earning rates on Citi Travel bookings, a generous mix of travel and lifestyle statement credits and exclusive 1:1 point transfers to American Airlines AAdvantage — something no other issuer currently provides. With unique benefits like four Admirals Club passes and elevated weekend dining rewards, the card delivers strong value for those who fly American Airlines a few times a year or frequently book through Citi’s travel portal. While the $595 annual fee is steep, the credits and perks can easily outweigh the cost for the right cardholder.

Read the full review

Pros

The only major issuer with American Airlines as a travel partner
Four Admirals Club passes annually
Up to $1,100 in combined lifestyle and travel statement credits
High earning potential through Citi Travel and weekend dining
No foreign transaction fees

Cons

Limited travel bonus categories outside of Citi Travel
Limited lounge access compared to other premium travel cards
Authorized user fee of $75

Who is this card good for?

The Citi Strata Elite is ideal for travelers who regularly book through Citi Travel, dine out on weekends and fly American Airlines a few times per year. It’s also a great fit for those looking to tap into premium benefits without fully committing to a card like the American Express Platinum Card® or the Chase Sapphire Reserve®.

Earning rewards

The Citi Strata Elite Card offers standout earning rates, especially when you book through Citi’s travel portal. Cardholders earn 12 points per dollar spent on hotels, car rentals and attractions booked via Citi Travel and 6 points per dollar spent on airfare booked the same way. You’ll earn 6 points per dollar spent at restaurants (including delivery) every Friday and Saturday from 6 p.m. to 6 a.m. Eastern Time. Outside of those weekend hours, restaurant purchases earn 3 points per dollar. All other purchases earn 1.5 points per dollar.