Citi
Citi Strata Elite℠ Card
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 | Authorized user fee $75 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. |
| Network | Mastercard |
About this card
The Citi Strata Elite Card is a mixed bag. Its strengths lie in its rewards program, offering high earning rates on travel and dining, a generous sign-up bonus, and luxury travel perks like lounge access and statement credits. However, the high annual fee of $595 is a major drawback, compounded by a high APR and fees for balance transfers and authorized users. While the statement credits can offset the annual fee, maximizing them requires effort and specific spending habits. The card's reputation is generally positive, but its value is highly dependent on the cardholder's ability to utilize the benefits. The high APR could negate the value of the rewards if a balance is carried. The fees rating is poor due to the high annual fee, balance transfer fee, and authorized user fee. The APR rating is also poor due to the high APR range. Considering these factors, the card is a 'Fair' option, with an overall rating of 2.7. Strengths: High rewards on travel/dining, large sign-up bonus, luxury perks. Weaknesses: Very high annual fee, high APR, other fees.
Pros & Cons
What's great
- Generous sign-up bonus
- High rewards rate
- Luxury travel perks and credits
- Extensive lounge access
- No foreign transaction fees
- Points transfer partners
Things to consider
- High annual fee
- High regular APR
- High balance transfer fee
- Authorized user 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
- Each calendar year, enjoy up to $300 off a hotel stay of 2 nights or more when booked through cititravel.com.
- 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).
- 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.
- Every calendar year, receive 4 Admirals Club Citi Strata Elite Passes for access to nearly 50 Admirals Club lounges (over $300 in value). Inside each of the nearly 50 lounges, you can enjoy a selection of snacks, complimentary cocktails, personal travel assistance and more.
- Receive a statement credit, up to $120 every four years, as reimbursement for your application fee for Global Entry or TSA PreCheck.
- Use points to book flights, hotels, car rentals and attractions.
- Points transfer to American Airlines, JetBlue, Virgin Atlantic, Cathay, Eva Air, Choice Hotels, The Leading Hotels of the World and others.
- Redeem your ThankYou Points for gift cards to your favorite retailers and more at thankyou.com.
- Use points at participating merchants like Amazon, PayPal, CVS and others.
- 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.
- 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 EliteSM Card account with an assessed Annual Membership Fee of $595.
- Help stay protected with travel insurances, including 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 without disruption.
- 24-hour fraud protection: Citi will alert you if we see unusual activity on your account.
- Mastercard ID Theft Protection: monitoring and alerts; enroll for free.
- Contactless pay: tap your card on the payment reader.
- Automatic account alerts: stay updated on balance, payments and credit limits via email or text.
- Choose your payment due date: pay your bill on any available due date in the beginning, middle or end of the month.
- Paperless statements and e-communications.
- 24/7 Customer Service via the Citi Mobile App.
- Citi Mobile App: manage your account when you want, where you want.
- Digital wallets let you shop with confidence online, in apps and in stores.
- Access FICO Score: get free access to your FICO Score online.
- Citi Entertainment: special access to purchase tickets to thousands of events, including presale tickets and exclusive experiences.
- With Citi Travel, you can book flights, hotels, car rentals and attractions using your eligible Citi card, points or a combination of both.
- Points transfer: The minimum transfer is only 1,000 points.
- Citi Flex Pay: Pay over time in fixed monthly payments and continue to earn points on purchases. Available on eligible purchases of $75 or more.
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.