The Points Guy believes that credit cards can transform lives, helping you leverage everyday spending for cash back or travel experiences that might otherwise be out of reach. That's why we publish a variety of editorial content and card comparisons: to help you find a great card to turn your goals into reality.
Our site may earn compensation when a customer clicks on a link, when an application is approved, or when an account is opened with our partners, and this may impact how or where these products appear. While we don't cover all available credit cards, our editorial team creates and maintains all of the analysis of these cards, and our content is not influenced nor subject to review by any credit card company, bank or partner prior to (or after) publication. Please view our advertising policy and product review methodology for more information.
The Points Guy believes that credit cards can transform lives, helping you leverage everyday spending for cash back or travel experiences that might otherwise be out of reach. That's why we publish a variety of editorial content and card comparisons: to help you find a great card to turn your goals into reality.
Our site may earn compensation when a customer clicks on a link, when an application is approved, or when an account is opened with our partners, and this may impact how or where these products appear. While we don't cover all available credit cards, our editorial team creates and maintains all of the analysis of these cards, and our content is not influenced nor subject to review by any credit card company, bank or partner prior to (or after) publication. Please view our advertising policy and product review methodology for more information.
Earn 75,000 bonus Points
Earn 75,000 bonus Points after spending $6,000 in the first 3 months of account opening.
1.5 - 12X points
$595
20.74% - 28.74% (Variable)
Excellent
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 reviewThe 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®.
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.
Rewards Rates
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
20.74% - 28.74% (Variable)
Ongoing Balance Transfer APR
20.74% - 28.74% (Variable)
Ongoing Cash Advance APR
29.99% (Variable)
Ongoing Penalty APR
Up to 29.99% (Variable)
Annual Fee
$595
Recommended Credit
More Details