Travel Rewards card review
Citi Strata Elite℠ Card
Citi's answer to the premium tier. Worth a look if you already live in the ThankYou ecosystem; otherwise the credits are narrow.
Open to new applicantsPartly verified
At a glance
Annual fee$595
Welcome offer75,000 ThankYou points$6,000 in 3 months
IssuerCiti
Rewards programCiti ThankYou
Foreign transaction feeNone
Welcome offer
75,000 ThankYou points after $6,000 of spending within 3 months.
Some readers have reported a higher 100,000-point offer. Check what Citi shows you before applying. Once per lifetime per product.
Offers vary. Welcome offers on this card can differ by applicant, by referral and by the link you apply through. The figure above is what our source showed on the date given, not a guarantee of what you will be offered.
Earning rates
| Rate | On | Cap or condition |
|---|---|---|
| 6x–12x | Select Citi Travel purchases | No cap stated |
| 6x | Dining on Citi Nights (Friday and Saturday evenings) | No cap stated |
| 3x | Dining at other times | No cap stated |
| 1.5x | Everything else | No cap stated |
Benefits and credits
- Up to $300 annual hotel credit On Citi Travel hotel bookings.
- Up to $200 Splurge credit At a selected merchant from Citi's list.
- Up to $200 Blacklane credit For airport transfers.
- Priority Pass membership Lounge access.
- Admirals Club passes Four 24-hour passes per year.
Restrictions worth knowing
- Welcome bonus once per lifetime on this product.
- The Splurge credit is limited to a merchant you select from Citi's list, not open-ended spending.
- Credits reset on Citi's schedule, not your cardmember year. Confirm the reset dates.
How to use it well
- Add up only the credits you would spend anyway. The Blacklane and Splurge credits are the two most often left unused.
- The 1.5x base rate is below the 2x you get from a Venture X, so this is a credits-and-lounges card rather than an everyday earner.
- Strata Elite holders get the best ratio on the current Citi to Cathay Pacific transfer bonus.
Sources and freshness
What we checked: Fee, offer, rates and credits from One Mile at a Time, read 2 November 2026. Citi's own page did not render amounts during this build.
- One Mile at a Time: Citi Strata card bonuses compared — read November 2, 2026
Last updated: November 2, 2026.
Other Citi cards
- Citi Double Cash® Card — $0, open to new applicants
- Citi Custom Cash® Card — $0, closed to new applicants
- Citi Strata Premier® Card — $95, open to new applicants