Home / Browse Cards / Citi Strata Elite℠
Citi Strata Elite℠
Citi

Citi Strata Elite℠

A $595-a-year travel rewards card from Citi.

Transfers to airlines & hotels
Annual fee
$595/yr
Welcome bonus
75,000 ThankYou® Points
Min spend
$6,000 in 3 months
Recommended credit
Excellent (720+)
Network
Mastercard
Foreign transaction fee
None
Apply on Citi site7.2/10Our rating · review ›

Rates, fees, and full terms are set by Citi and can change. See current rates & fees on the issuer’s site, and always confirm the latest terms before applying.

Before you apply: Citi application and welcome-bonus rules →
Offer last verified July 24, 2026. How we verify.

Is this card right for you?

✓ Best for

people who spend heavily on dining and want travel rewards they can grow.

⚠ Think twice if

you will not use enough of its perks and credits to cover the $595 annual fee.

Earning rates

12x ThankYou® Points on hotels, car rentals, and attractions booked via Citi Travel
6x on air travel booked via Citi Travel
6x at restaurants on Friday & Saturday nights (6pm to 6am ET), 3x all other times
1.5x on all other purchases
Transfer points to 18+ airline and hotel partners including American Airlines AAdvantage®

Best ways to earn & redeem

Put your dining spending on this card to earn at its highest rates, and let a different card handle the categories it does not bonus.

When you cash in, transfer the points to airline and hotel partners for potential outsized value, or take a flat 1 cent as cash or travel. We value every point at a flat 1 cent, so treat any transfer upside as a bonus rather than the baseline — see what your points are really worth.

Features & benefits

$300 hotel credit on 2+ night stays booked via Citi Travel
$200 annual choice credit (up to 2 brands: American Airlines, Best Buy, Live Nation & more)
$200 Blacklane chauffeur credit annually ($100 Jan to Jun, $100 Jul to Dec)
Global Entry or TSA PreCheck fee credit (up to $120 every 4 years)
No foreign transaction fees

Lounge access

Priority Pass Select membership: 1,500+ airport lounges worldwide, you plus 2 guests, no visit cap (lounges only, no restaurants)
4 Admirals Club passes per year, each admitting 1 adult plus up to 3 children under 18 (about 50 American Airlines Admirals Club lounges)

Statement credits

$300 hotel credit on 2+ night stays via Citi Travel
$200 annual choice credit (American Airlines, Best Buy, Live Nation & more)
$200 Blacklane chauffeur credit annually
Global Entry or TSA PreCheck fee credit

Transfer partners

Your ThankYou Points transfer directly to airline and hotel loyalty programs, usually at 1:1. That is where transferable points beat flat cash back, because the right award can be worth well over 1 cent each. Major partners include:

Airline partners

American Airlines AAdvantage, Turkish Miles & Smiles, JetBlue TrueBlue, Virgin Atlantic, Avianca LifeMiles, Air France/KLM

To see what a specific flight award actually costs, look up live mileage prices and seat availability on seats.aero.

Hotel partners

Wyndham Rewards, Choice Privileges, The Leading Hotels of the World

You can check the live points price for a specific stay on rooms.aero.

See the full Citi ecosystem, card lineup, and live transfer bonuses →

Alternatives to the Citi Strata Elite℠

Pairs well with

The Citi Strata Elite℠ is a Citi transfer hub. Pair it with these strong ThankYou Points earners, whose points pool into it so you can transfer the combined balance.

Learn more

How does it rank for your spending?

Every card is ranked by what it actually returns on the way you spend. Run your numbers and see where the Citi Strata Elite℠ lands.

Calculate My Card
Back to all cards