Citi Strata Elite℠ Card Review

Last Updated on May 13, 2026

Offer Rating

4.5/5

The Citi Strata Elite℠ Card, from our partner Citibank, is a premium rewards card packed with bonus Point opportunities for frequent travelers and restaurant enthusiasts.

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Citi Strata Elite Card card art Rates & Fees

Citi Strata Elite℠ Card

4.5 BCC Score
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on Citibank's secure site

Welcome Offer
Earn 75,000 bonus Points after spending $6,000 in the first 3 months of account opening.
Rewards Rate
Earn 12 Points per $1 spent on Hotels, Car Rentals, and Attractions booked on cititravel.com and 6 Points per $1 spent on Air Travel booked on cititravel.com. Earn 6 Points per $1 spent at Restaurants including Restaurant Delivery Services on CitiNights℠ purchases, every Friday and Saturday from 6 PM to 6 AM ET. Earn 3 Points per $1 spent any other time. Earn 1.5 Points per $1 spent on All Other Purchases.
Intro APR
N/A, then 20.49% - 28.49% (Variable)
Annual Fee
$595
Credit Score Needed
Excellent, Good
Card Brand
Mastercard
  • Earn 75,000 bonus Points after spending $6,000 in the first 3 months of account opening.
  • Earn 12 Points per $1 spent on Hotels, Car Rentals, and Attractions booked on cititravel.com and 6 Points per $1 spent on Air Travel booked on cititravel.com
  • Earn 6 Points per $1 spent at Restaurants including Restaurant Delivery Services on CitiNights℠ purchases, every Friday and Saturday from 6 PM to 6 AM ET. Earn 3 Points per $1 spent any other time
  • Earn 1.5 Points per $1 spent on All Other Purchases
  • Up to $300 Annual Hotel Benefit: Each calendar year, enjoy up to $300 off a hotel stay of two nights or more when booked through cititravel.com.
  • No Foreign Transaction Fees

Pros

  • Enjoy a generous rewards rate of up to 12 Points per $1 spent.
  • There's no cap on the Points you can earn in the bonus categories.
  • Pay no foreign transaction fees with this card.

Cons

  • The annual fee is rather high, and is not waived the first year.
  • There is no intro APR on purchases or balance transfers.

OUR EXPERT REVIEW

Why We Like It

The Citi Strata Elite℠ Card is a rewarding travel card from our partner Citibank, built to help frequent travelers and foodies maximize every dollar they spend. Cardholders earn an impressive 12 Points per $1 spent on Hotels, Car Rentals, and Attractions booked on cititravel.com and 6 Points per $1 spent on Air Travel booked on the same platform. Love dining out or ordering in? You’ll earn 6 Points per $1 spent at Restaurants including Restaurant Delivery Services on CitiNights℠ purchases, every Friday and Saturday from 6 PM to 6 AM ET and 3 Points per $1 spent any other time.

The value doesn’t stop there. Cardholders earn 1.5 Points per $1 spent on all other purchases, making it easy to rack up rewards across everyday spending. Plus, Points never expire and there’s no cap on how many you can earn. New cardholders can also earn a generous 75,000 bonus Points after spending $6,000 in the first 3 months of account opening – equivalent to $750 in rewards(!), and redeemable for gift cards, travel purchases, and more at thankyou.com. Travelers will also love the annual hotel benefit: Each calendar year, enjoy up to $300 off a hotel stay of two nights or more when booked through cititravel.com. Add in no foreign transaction fees, and the Citi Strata Elite℠ Card becomes a strong companion for international trips.

While the $595 annual fee might give some consumers pause, the combination of elevated earnings, valuable perks, and a generous welcome offer makes this card an excellent choice for those looking to get the most out of their travel and dining purchases.

Pros & Cons

Pros

  • Enjoy a generous rewards rate of up to 12 Points per $1 spent.
  • There's no cap on the Points you can earn in the bonus categories.
  • Pay no foreign transaction fees with this card.

Cons

  • The annual fee is rather high, and is not waived the first year.
  • There is no intro APR on purchases or balance transfers.

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