Citi Strata Elite
$595/year, earning Citi ThankYou Points, on the Mastercard network.
Card terms last verified against issuer pages on 2026-09-20.
The Citi Strata Elite is a $595/year card from Citi earning Citi ThankYou Points. It earns 3x on dining and 12x on everything else. It carries 5 recurring statement credits worth $1,170 a year, listed in full below with the cap and reset date for each.
What it earns
Rates are the multipliers Citi advertises. We do not convert them into a percentage return, because that requires putting a price on Citi ThankYou Points and that price is a judgement, not a fact — see how we source this.
| Category | Rate | Notes |
|---|---|---|
| Hotel(CitiTravel) | 12x | Everything else |
| Airline(CitiTravel) | 6x | Everything else |
| Dining(CitiTravel) | 6x | Everything else |
| Dining | 3x | |
| Other | 1.5x | Everything else |
Statement credits
$1,170 a year across 5 credits against a $595 annual fee. The columns that matter are the cap and the reset date: a credit paid monthly cannot be saved up, and one that resets on the calendar year expires on 31 December no matter when you opened the card.
Other perks
Benefits that are not dollar statement credits — certificates, lounge visits, point bonuses. Where a value appears it is an estimate, not an amount the issuer credits you, and it is excluded from the credits total above.
| Perk | How often | Estimated value |
|---|---|---|
| Annual Hotel BenefitUp to $300 off hotel stays of 2+ nights booked through Citi Travel each calendar year | Once a year | ~$300 |
| American Airlines Admirals Club PassesFour Admirals Club passes each calendar year for access to nearly 50 Admirals Club lounges worldwide | Once a year | ~$300 |
Status and included memberships
- Priority Pass Select Membership — Complimentary access to 1,500+ airport lounges worldwide for primary cardmember, authorized users, and up to 2 guests
- Mastercard World Legend Benefits — Priority reservations at sought-after restaurants and ticketing access across music, theater, and sporting events globally
- The Reserve by Citi Travel Benefits — Access to 4.5-5 star participating hotels offering daily complimentary breakfast for 2, free Wi-Fi, $100 experience credit, early check-in, late checkout, room upgrades
- Citi Entertainment Access — Special access to purchase tickets to thousands of events including presale tickets and exclusive experiences for concerts, sporting events, arts and dining
Protections and insurance
Coverage terms below are summaries. Insurance benefits are governed by a separate guide to benefits document from the issuer, and the exclusions in that document are what actually decide a claim.
- Travel and Shopping Protections — Trip delay protection, enhanced trip cancellation and interruption protection, lost or damaged luggage protection, MasterRental coverage, extended warranty and purchase assurance plus
Questions people ask about the Citi Strata Elite
What is the annual fee on the Citi Strata Elite?
The Citi Strata Elite has a $595 annual fee.
What statement credits does the Citi Strata Elite include?
It carries 5 recurring statement credits worth $1,170 a year in total: Citigold Private Client Relationship Credit ($595, resets on the cardmember year); Annual Splurge Credit ($200, resets on the cardmember year); Annual Blacklane Credit ($100 twice a year, resets on the cardmember year); Citigold Relationship Credit ($145, resets on the cardmember year); Global Entry or TSA PreCheck Credit ($30, resets on the cardmember year). Verified 2026-09-20.
What does the Citi Strata Elite earn?
12x on hotel(cititravel), 6x on airline(cititravel), 6x on dining(cititravel), 3x on dining, and 12x on everything else, in Citi ThankYou Points.
Is the Citi Strata Elite worth the annual fee?
Its recurring statement credits total $1,170 a year against a $595 fee, so the card pays for itself on credits alone if you use 51% of them. Whether that holds depends on whether the specific merchants suit you — the credit table on this page lists each one.
Does the Citi Strata Elite charge foreign transaction fees?
No — the Citi Strata Elite has no foreign transaction fee.
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