Strata Elite

Annual fee: $595
Network: mastercard
Type: personal

Earn 12x points on hotels and car rentals via Citi Travel, 6x on air travel via Citi Travel, 6x on Friday/Saturday night dining, and 3x on all other dining.

Heads up: Rates, fees, and welcome offers below are pulled directly from the issuer and refreshed continuously. Confirm final terms on the issuer site before applying.

Welcome offer

Earn 75,000 bonus points after spending $6,000 in the first 3 months of account opening.

Est. value: $750
Minimum spend: $6,000
Within: 3 mo

Earning rates

all other purchases
1×
pts
Citi ThankYou Points
Top earn
hotels
Booked through Citi Travel
12×
pts
Citi ThankYou Points · Citi Travel
Top earn
car rentals
Booked through Citi Travel
12×
pts
Citi ThankYou Points · Citi Travel
flights
Booked through Citi Travel
6×
pts
Citi ThankYou Points · Citi Travel
dining
Friday and Saturday nights
6×
pts
Citi ThankYou Points
dining
All other days (Sunday through Thursday)
3×
pts
Citi ThankYou Points

On-card benefits & credits

Citigold Private Client Relationship Credit
$595
/one_time
Qualifying Citigold Private Clients receive a full $595 credit for the first year and $145 annually thereafter.
$300 Annual Travel Credit
$300
/annual
Annual Hotel Benefit
$300
/annual
Get up to $300 off a hotel stay of 2 nights or more when booked through cititravel.com.
Priority Pass Select Membership
$250
/annual
Annual Splurge Credit
$200
/annual
Up to $200 in statement credits on your choice of up to 2 brands: 1stDibs, American Airlines, Best Buy, Future Personal Training, and Live Nation.
Cell Phone Protection
$200
/annual
Admirals Club Lounge Access PassesBase
$180
/annual
Receive 4 one-time use passes for American Airlines Admirals Club lounges every calendar year.
Citigold Relationship Credit
$145
/annual
Qualifying Citigold clients receive a $145 annual credit toward the card's annual fee.
Global Entry / TSA PreCheck Credit
$120
/one_time
Reimbursement for the application fee of Global Entry (up to $120) or TSA PreCheck.
Annual Blacklane Credit
$100
/monthly
Up to $200 in statement credits for Blacklane chauffeur services, split as $100 for Jan-Jun and $100 for Jul-Dec.
Comprehensive Travel Protections
$100
/annual
Global Entry / TSA PreCheck / NEXUS Application Fee Credit
$100
/one_time
Travel Protections
$100
/annual
Includes Trip Delay Protection, Enhanced Trip Cancellation/Interruption Protection, and Lost or Damaged Luggage coverage.
Primary Auto Rental CDW
$75
/annual
Shopping and Rental Protections
$75
/annual
MasterRental Coverage for car rentals, plus Extended Warranty and Purchase Assurance Plus for shopping.
No Foreign Transaction Fees
$50
/annual
Purchase & Warranty Protection
$50
/annual

Other Citi cards

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