The Citi Strata Elite℠ Card carries a hefty $595 annual fee, but it packs in premium travel perks and generous rewards that could easily justify the cost for frequent travelers and diners. From elevated points on travel bookings to valuable credits and lounge access, this card is designed for those who want to maximize their travel experience.
Here’s what you need to know about the Citi Strata Elite℠ Card and its standout benefits.
High Rewards on Travel and Dining
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12 points per $1 spent on hotels, car rentals, and attractions booked through cititravel.com
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6 points per $1 on airfare booked via cititravel.com
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6 points per $1 at restaurants during “Citi Nights” — Fridays and Saturdays, 6 p.m. to 6 a.m. ET. Outside of these hours, earn 3 points per $1 on dining
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1.5 points per $1 on all other purchases
Welcome Bonus
New cardholders can earn a substantial bonus:
80,000 bonus ThankYou® points after spending $4,000 within the first 3 months of account opening.
Flexible Redemption Options
Points are earned as ThankYou® points, which you can redeem in multiple ways:
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Book travel through Citi (points worth 1 cent each)
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Redeem for cash back (points worth 0.75 cents each)
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Get gift cards or shop online at select retailers
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Transfer points to Citi’s airline and hotel partners — including American Airlines, a unique transfer partner for Citi cards
Valuable Travel Perks & Credits
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Up to $300 annual hotel credit for stays of two or more nights booked via cititravel.com
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Up to $200 annual “Splurge Credit” redeemable with two merchants from a list including American Airlines, Best Buy, 1stDibs, and more (some exclusions apply)
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Up to $200 annual Blacklane chauffeur service credit ($100 every six months)
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Priority Pass Select membership for airport lounge access (valued at $469)
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Four American Airlines Admirals Club passes annually
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TSA PreCheck or Global Entry fee credit once every four years
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The Reserve by Citi Travel benefits: hotel perks like $100 experience credit, free breakfast, room upgrades, and more on bookings through cititravel.com
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Citi Entertainment access: presales and exclusive experiences for concerts and sporting events
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Complimentary online cocktail classes with Death & Co
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Mastercard Collection benefits: preferred dining reservations, event tickets, and airport lounge access
Protections and Insurance
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Purchase protection covers damage or theft of eligible items up to $1,000 per incident, $10,000 per item, with a $50,000 annual limit
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Travel protections include trip cancellation/interruption, delayed travel, lost/damaged luggage coverage, and rental car insurance
Why Consider the Citi Strata Elite℠ Card?
If you’re a frequent traveler, especially someone who books hotels, flights, and car rentals regularly, the Citi Strata Elite℠ Card’s elevated rewards and travel credits can help offset its premium annual fee. Dining enthusiasts can also benefit from the enhanced points earned during Citi Nights.
Plus, the unique ability to transfer points to American Airlines makes it a valuable choice for loyal flyers since few other cards offer this perk.
Ready to learn more about which Citi Strata card fits your lifestyle?
Check out our guide: Which Citi Strata credit card is right for you?
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