$550
Annual fee
See the card
Card reviewCiti
Updated Aug 1, 2026 · researchCS
CitiThankYou Rewards
Citi Strata Elite Card
Earn 75,000 bonus points and unlock nearly $1,500 in premium value with the ultimate luxury travel card from Citi.
LuxuryPersonal
Mastercard
$595
Annual fee
12x pts hotels, car rentals, and attractions booked on cititravel.com
Top rate
None
Foreign fee
N/A
Rating
Current Welcome Offer
Earn 75,000 points
Spend $6,000 in 90 days
Verifiedofficial site
Card Offers
public
Earn 75,000 points
Spend $6,000 in 90 days
official site
Earning Rates
Hotels, Car Rentals, and Attractions booked on cititravel.com
12xpoints
Must be booked through cititravel.com
Air Travel booked on cititravel.com
6xpoints
Must be booked through cititravel.com
Restaurants on Citi Nights purchases
6xpoints
Friday and Saturday from 6 PM - 6 AM ET
Restaurants (all other times)
3xpoints
Any time other than Friday/Saturday 6 PM - 6 AM ET
All Other Purchases
1.5xpoints
Fees
| Fee Type | Amount |
|---|---|
| Annual Fee | $595 |
| Foreign Transaction Fee | 0% |
APR Information
- Purchase APR
- 20.49% - 28.49%
- Balance Transfer APR
- 20.49% - 28.49%
- Cash Advance APR
- 29.74%
- Penalty APR
- 29.99%May apply if you pay late
APRs shown are variable and may change based on the Prime Rate. Your actual APR will be determined based on your creditworthiness.
Card Benefits
6 benefits (2 strong or better) including 1 hidden gems
Travel Access & Perks
Travel Credits
Statement Credits
Coverage Tier Legend
Best in ClassIndustry-leading coverage
StrongAbove average
StandardTypical coverage
LimitedBelow average
About This Card
The Citi Strata Elite Card is a premium travel rewards card offering up to 12x points on travel bookings, comprehensive statement credits, Priority Pass Select membership, and Admirals Club passes. Earn 75,000 bonus points after spending $6,000 in the first 3 months of account opening.
Ready to Decide?
Apply for the Citi Strata Elite Card
Earn 75,000 points with a $595 annual fee.
Spend $6,000 in 90 days
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Rewards program
ThankYou Rewards
Earns Points
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Sources & Methodology
Sources & Methodology
Data Collection
We collect card details from official issuer pages, then verify them with automated checks.
Last updated:
How it's checked
Analyzed by the Rewardopedia Engine.
Data Quality
- 6 of 6 benefits rated high confidence
- 6 source citations across benefits
- 1 of 1 offer verified
Learn More
Read our full methodology for how we collect, verify, and rate credit cards.
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