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Citi

Strata Elite

Annual fee
$145
Network
mastercard
Type
personal

Rewards information for this exact Citi Strata Elite product is unavailable.

Citi Strata Elite

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.

Perqt Analysis

Three ways to value this card. Only one of them is yours.

01Published
$575

What the issuer advertises.

02Realistic
$375

Pays out with no hoops.

03Yours
Open your wallet

From your real spend and redemptions.

$200 of the advertised value — 35% — comes with strings attached.

Why Perqt says this
  • $575 advertised across 4 benefits.
  • $200 (35%) needs a booking, enrollment, or deadline.
  • Biggest credit — $200 Annual Blacklane Credit, $200 — comes with conditions.
  • $200 Annual Splurge Credit ($200) posts automatically. No hoops.
  • No-hoops value covers 259% of the annual fee.
Better fit if
  • You'll actually use $200 Annual Blacklane Credit.
  • You'll actually use $200 Annual Splurge Credit.
  • 12× on hotels, car rentals matches your spend.
Probably not if
  • You won't use $200 Annual Blacklane Credit.
How Perqt calculates this

Welcome offer

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

Minimum spend
$6,000
Within
3 mo

Earning rates

  • All other purchases
    1×
    pts
  • Top earn
    Hotels, car rentals
    booked through Citi Travel
    12×
    pts
    Citi Travel
  • Air travel
    booked through Citi Travel
    6×
    pts
    Citi Travel
  • Dining
    Friday and Saturday nights
    6×
    pts
  • Dining
    all other dining (Sunday through Thursday)
    3×
    pts

On-card benefits & credits

  • $200 Annual Splurge Credit
    $200
    /Annual

    Earn up to $200 in statement credits annually on your choice of up to 2 of the following brands: 1stDibs, American Airlines, Best Buy, Future Personal Training, and Live Nation.

  • Citigold Relationship Credit
    $145
    /Annual

    Qualifying Citigold clients receive a $145 Banking Relationship Annual Credit.

  • Global Entry or TSA PreCheck Credit
    $120
    /One-time

    Receive a statement credit, up to $120 every four years, for Global Entry or TSA PreCheck application fees.

  • $200 Annual Blacklane Credit
    $100
    /Annual

    Earn up to $200 in statement credits annually when you book with Blacklane, awarded as up to $100 from Jan-Jun and up to $100 from Jul-Dec.

  • Priority Pass Select
    $0
    /Annual

    Enjoy complimentary access to 1,500+ airport lounges worldwide.

  • 4 Admirals Club Passes
    $0
    /Annual

    Receive 4 Admirals Club passes every calendar year for access to nearly 50 lounges.

  • Purchase Protection
    $0
    /One-time

    Protects eligible items if they are stolen or damaged within 90 days of purchase, up to $10,000 per item and $50,000 per year.

  • No Foreign Transaction Fees
    $0
    /Annual

    Pay no foreign transaction fees when traveling internationally.

Other Citi cards

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