What credit score do I need to get Citi Strata Elite Card?

The recommended credit score for Citi Strata Elite Card is Good to Excellent.

Advertiser Disclosure

Citi Strata Elite Card

Learn More

Rates and Fees

Annual Fee: $595

‍

Bonus Miles

Bonus Points

80,000

Recommended Credit

Good to Excellent

Current Offer

Earn 80,000 bonus ThankYou Points after spending $4,000 within the first 3 months of account opening.

✅ Check if you're pre-approved or eligible for elevated offers using the CardMatch Tool

80,000

Bonus Points

Earn 80,000 bonus ThankYou Points after spending $4,000 within the first 3 months of account opening.

Summary

With strong earning rates, flexible statement credits, and access to valuable transfer partners, including American Airlines, the Citi Strata Elite is a well-rounded and strong contender in the premium credit card category.

‍

Earning Rewards

12x points on hotels, car rentals, and attractions booked through Citi Travel
6x points on air travel booked through Citi Travel
6x points at restaurants (and delivery) every Friday and Saturday from 6 p.m. to 6 a.m. ET
3x points at restaurants all other times
1.5x points on everything else (including all travel booked outside of Citi Travel)

Additional Benefits

Up to $300 Annual Hotel Benefit: Every calendar year, enjoy up to $300 off a hotel stay of two nights or more booked through Citi Travel.
Up to $200 Annual Splurge Credit^SM: Every calendar year, earn up to $200 in statement credits on your choice of up to two of the following brands: 1stDibs, American Airlines, Best Buy®, Future Personal Training, and Live Nation.
Up to $200 Annual Blacklane Credit: Every calendar year, enjoy up to $200 in statement credits when booking with Blacklane, a global chauffeur service. Earn up to $100 on Blacklane purchases January through June and up to $100 July through December.
Up to $120 Global Entry® or TSA PreCheck® Application Fee Credit: Receive a statement credit, up to $120 every four years, as reimbursement for the application fee for Global Entry or TSA PreCheck®.
Four American Airlines Admirals Club® Citi Strata Elite Passes (Worth Over $300 Annually): Every calendar year, receive four Admirals Club® Citi Strata Elite℠ Passes for access to nearly 50 Admirals Club® lounges worldwide.
Complimentary Priority Pass Select^TM membership (Worth $469 Annually): Complimentary access for primary cardmembers and authorized users, and up to two guests to 1,500+ airport lounges worldwide (not all lounges admit guests).
Access to The Reserve by Citi Travel: A collection of 4.5-5 star participating hotels on the Citi Travel platform offering on-property benefits including daily complimentary breakfast for two, free wi-fi, a $100 experience credit (varies by property) and early check-in, late check-out, and room upgrades (subject to availability).
Access to Citi Entertainment®: Get special access to purchase tickets to thousands of events, including presale tickets and exclusive experiences for the year’s most anticipated concerts, sporting events, arts and dining experiences.
Access to Fashioned, offering bespoke mixology content: Complimentary access to the Death & Co® lifestyle platform “Fashioned” for cocktail tutorials, videos and individual mixology courses. 21 and over.
Access to the Mastercard Collection Benefits: Citi Strata Elite is the first World Legend credit card issued featuring Mastercard’s new premium tier benefits, offering priority reservations at thousands of the most sought-after restaurants abroad; ticketing access across music, theater, and sporting events globally; and more.

‍

Foreign Transaction Fee

Rates and Fees

None

Also consider

No items found.

Citi Strata Elite Card

CURRENT OFFER

80,000

Bonus Points

Earn 80,000 bonus ThankYou Points after spending $4,000 within the first 3 months of account opening.

Learn More Rates & Fees

REWARDS RATE

1.5-12x points

ANNUAL FEE

$595

Our Score

Annual fee (20%)

Welcome Offer (20%)

Point Redemption Value (20%)

Rewards Rates (15%)

Benefits (15%)

Travel Protections (10%)

Our Take

Benji Stawski

Comparable Cards

Capital One Venture X Rewards Credit Card

Annual Fee: $395

Rates & Fees

Terms Apply

WELCOME OFFER

75,000

Bonus Miles

OUR SCORE

Read Our Review

Chase Sapphire Reserve®

Annual Fee: $795

Rates & Fees

Terms Apply

WELCOME OFFER

$500 Travel℠ promo credit + 100k

Bonus Points

OUR SCORE

Read Our Review

FULL COMPARISON

Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more.

Pros & Cons

Pros

Cons

Rewards Summary

12x points on hotels, car rentals, and attractions booked through Citi Travel
6x points on air travel booked through Citi Travel
6x points at restaurants (and delivery) every Friday and Saturday from 6 p.m. to 6 a.m. ET
3x points at restaurants all other times
1.5x points on everything else (including all travel booked outside of Citi Travel)

Additional Benefits

Up to $300 Annual Hotel Benefit: Every calendar year, enjoy up to $300 off a hotel stay of two nights or more booked through Citi Travel.
Up to $200 Annual Splurge Credit^SM: Every calendar year, earn up to $200 in statement credits on your choice of up to two of the following brands: 1stDibs, American Airlines, Best Buy®, Future Personal Training, and Live Nation.
Up to $200 Annual Blacklane Credit: Every calendar year, enjoy up to $200 in statement credits when booking with Blacklane, a global chauffeur service. Earn up to $100 on Blacklane purchases January through June and up to $100 July through December.
Up to $120 Global Entry® or TSA PreCheck® Application Fee Credit: Receive a statement credit, up to $120 every four years, as reimbursement for the application fee for Global Entry or TSA PreCheck®.
Four American Airlines Admirals Club® Citi Strata Elite Passes (Worth Over $300 Annually): Every calendar year, receive four Admirals Club® Citi Strata Elite℠ Passes for access to nearly 50 Admirals Club® lounges worldwide.
Complimentary Priority Pass Select^TM membership (Worth $469 Annually): Complimentary access for primary cardmembers and authorized users, and up to two guests to 1,500+ airport lounges worldwide (not all lounges admit guests).
Access to The Reserve by Citi Travel: A collection of 4.5-5 star participating hotels on the Citi Travel platform offering on-property benefits including daily complimentary breakfast for two, free wi-fi, a $100 experience credit (varies by property) and early check-in, late check-out, and room upgrades (subject to availability).
Access to Citi Entertainment®: Get special access to purchase tickets to thousands of events, including presale tickets and exclusive experiences for the year’s most anticipated concerts, sporting events, arts and dining experiences.
Access to Fashioned, offering bespoke mixology content: Complimentary access to the Death & Co® lifestyle platform “Fashioned” for cocktail tutorials, videos and individual mixology courses. 21 and over.
Access to the Mastercard Collection Benefits: Citi Strata Elite is the first World Legend credit card issued featuring Mastercard’s new premium tier benefits, offering priority reservations at thousands of the most sought-after restaurants abroad; ticketing access across music, theater, and sporting events globally; and more.

‍

Customer Reviews & Redemptions

WRITE A REVIEW

Click the button above to leave our first review!

The reviews above are not provided or commissioned by the bank advertiser. Customer reviews have not been reviewed, approved, or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.

How to make the most of your