Citi
Citi Strata Elite Card
TravelDiningLuxuryExcellent CreditNo Foreign Transaction FeesHotelAirline
Key Features
| Annual Fee | $595.00 |
| Sign-up Bonus | 75,000 bonus points |
| Rewards Rate | 1.5x-12x points |
| Regular APR | The variable APR for purchases, and balance transfers is 20.49% - 28.49%, based on your creditworthiness. For Citi Flex Plans subject to an APR, the variable APR is 20.49% - 28.49%, based on creditworthiness. The variable APR for cash advances is 29.74%. The variable penalty APR is up to 29.99% and may be applied if you make a late payment or make a payment that is returned. |
| Other Fees | $75 Authorized User Fee Balance transfer fee — either $5 or 5% of the amount of each transfer, whichever is greater. Cash advance fee — either $10 or 5% of the amount of each cash advance, whichever is greater. Fee for foreign purchases — None. Minimum interest charge — $0.50. For Citi Flex Pay Plans subject to a Plan Fee, a monthly fee of up to 1.72% will apply, based on the Citi Flex Plan duration, the APR that would otherwise apply to the Transaction, and other factors. |
| Network | Mastercard |
Read the full review
Best for those with
Very Good Credit
About this card
The Citi Strata Elite Card presents a mixed bag. Its strongest appeal lies in its generous rewards program, particularly for travel and dining, coupled with valuable perks such as lounge access and travel credits. However, the hefty $595 annual fee is a major deterrent and significantly impacts its overall value proposition. The APR is also on the higher end, making it less attractive for those who carry a balance. While the rewards can potentially offset the annual fee for frequent travelers who maximize the benefits, the card's value is limited for others. Considering the combination of strengths and weaknesses, a rating of 2.6 out of 5 seems appropriate. The high fee and APR bring down an otherwise solid rewards card.
2.6
Overall Rating
Pros & Cons
What's great
- Generous sign-up bonus
- High rewards rate on travel and dining
- No foreign transaction fees
- Transfer partners
- Luxury perks
- Lounge membership
- Travel and shopping protection
Things to consider
- High annual fee
- High regular APR
- Authorized user fee
- Balance transfer fee
What this card offers
Sign-up bonuses
- Earn 75,000 bonus points after spending $6,000 in the first 3 months
Rewards
- 12 points per dollar spent on Hotels, Car Rentals, and Attractions booked on cititravel.com
- 6 points per dollar spent on Air Travel booked on cititravel.com
- 6 points per dollar spent at Restaurants on Citi Nights purchases, Friday and Saturday from 6 PM - 6 AM ET
- 3 points per dollar spent at Restaurants any other time
- 1.5 points per dollar spent on All Other Purchases
Other features
- Up to $300 Annual Hotel Benefit — Each calendar year, enjoy up to $300 off a hotel stay of 2 nights or more when booked through cititravel.com.
- Up to $200 Annual Splurge Credit — Every calendar year, earn up to $200 in statement credits on your choice of up to 2 of the following brands: 1stDibs, American Airlines (exclusions apply), Best Buy, Future Personal Training, and Live Nation (exclusions apply).
- Up to $200 Annual Blacklane Credit — Every calendar year, earn up to $200 in statement credits when you book with Blacklane, a premium global chauffeur service. Earn up to $100 on Blacklane purchases January through June and up to $100 July through December.
- Priority Pass Select membership — Enjoy complimentary access to 1,500+ airport lounges worldwide. Annual membership fee valued at $469.
- American Airlines Admirals Club Lounge Access Passes — Every calendar year, receive 4 Admirals Club Citi Strata Elite Passes for access to nearly 50 Admirals Club lounges.
- Additionally, Up to $120 Global Entry or TSA PreCheck Application Fee Credit — Receive a statement credit, up to $120 every four years, as reimbursement for your application fee for Global Entry or TSA PreCheck.
- Citi Travel — Use points to book flights, hotels, car rentals and attractions.
- Points transfer — Points transfer to American Airlines, JetBlue, Virgin Atlantic, Cathay Pacific, Eva Air, Choice Hotels, The Leading Hotels of the World and others.
- Gift cards, cash back and more — Redeem your ThankYou Points for gift cards to your favorite retailers and more at thankyou.com.
- Shop with points — Use points at participating merchants like Amazon, PayPal, CVS and others.
- Travel and Shopping Protection — Trip Delay Protection, Enhanced Trip Cancellation and Trip Interruption Protection, Lost or Damaged Luggage, MasterRental Coverage (car rental insurance), and Extended Warranty and Purchase Assurance Plus.
- No foreign transaction fees.
- Citi Quick Lock — Instantly block new charges while allowing recurring transactions to continue.
- 24-hour fraud protection.
- Mastercard ID Theft Protection.
- Contactless pay.
- Automatic account alerts.
- Choose your payment due date.
- Paperless statements and e-communications.
- 24/7 Customer Service.
- Citi Mobile App.
- Digital wallets.
- Access FICO Score.
- Citi Entertainment.
- Citi Flex Pay — Buy now, pay later with Citi Flex Pay. Available on eligible purchases of $75 or more.
- Citigold Relationship Credit — Qualifying Citigold clients receive a $145 Banking Relationship Annual Credit if the primary cardmember has an open and current Strata Elite Card account with an assessed Annual Membership Fee of $595.
- Citigold Private Client Relationship Credit — Qualifying Citigold Private Clients receive a $595 first year banking relationship credit and a $145 credit each year thereafter if the primary cardmember has an open and current Strata Elite Card account with an assessed Annual Membership Fee of $595.
Additional Notes
This offer may not be available if you leave this page. Offers may vary and this offer may not be available in other places where the card is offered. Bonus ThankYou Points are not available if you have received a new account bonus for a Citi Strata Elite account in the past 48 months or if you converted another Citi credit card account on which you earned a new account bonus in the last 48 months into a Citi Strata Elite.
Ratings
3.5
3.7
2.5
1.5
1.8