Review
Citi Strata Elite℠ Card Review: Premium Travel Rewards and Valuable Perks
Is the Citi Strata Elite℠ Card worth its $595 annual fee? Our review breaks down its impressive rewards on travel and dining, valuable perks like lounge access and statement credits, and who will benefit most.
| Annual Fee | $595.00 |
| 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. |
| Rewards Rate | 1.5x-12x points |
| Sign-up Bonus | 100,000 bonus points |
| Other Fees | $75 Authorized User Fee Cash advance fee - either $10 or 5% of the amount of each cash advance, whichever is greater. Balance transfer fee — either $5 or 5% of the amount of each transfer, 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. |
Overview
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
Things to consider
- High annual fee
- High regular APR
- Balance transfer fee
- Authorized user fee
Benefits
Drawbacks
Decision Guidance
Summary
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 annua...