Citi Strata Elite® Card
Citi · MASTERCARD
The Citi Strata Elite® Card is a credit card from Citi on the MASTERCARD network. It has an annual fee of $595. It earns 12x on travel, 6x on dining & restaurants. The welcome offer is Earn 75,000 bonus Points after spending $6,000 in the first 3 months of account opening.
Key facts
- Annual fee
- $595
- Purchase APR
- 20.49% - 28.49% variable APR
- Foreign transaction fee
- None
- Network
- MASTERCARD
- Welcome offer
- Earn 75,000 bonus Points after spending $6,000 in the first 3 months of account opening.
Reward rates by category
| Category | Rate | Detail |
|---|---|---|
| Travel | 12x | 12x on Hotels |
| Dining & restaurants | 6x | 6x on Restaurants on |
Benefits and perks
- What lounge access benefits does the Citi Strata Elite® Card offer? The Citi Strata Elite® Card offers premium airport lounge access benefits through both Admirals Club® passes and a Priority Pass™ Select membership. These benefits include:Four Admirals Club® Citi Strata Elite® Passes, a value of over $300, which can be used for access to nearly 50 Admirals Club® lounges. A Priority Pass™ Select membership, with an annual value of $469, providing complimentary access to more than 1,500 airport lounges worldwide.Priority Pass access for authorized users for $75.No separate Priority Pass card or
- What is the Annual Fee for the Citi Strata Elite® Card? The Annual Fee is $595.
- How does the Annual Hotel Benefit work? Once per calendar year, you can enjoy $300 off a single hotel stay of 2 nights or more (excluding taxes and fees) booked through cititravel.com. The benefit is applied instantly at the time of booking.
- Are there foreign transaction fees for the Citi Strata Elite® Card? There are no foreign transaction fees with the Citi Strata Elite® Card.
- How do you redeem ThankYou® Points with the Citi Strata Elite® Card? You can easily redeem ThankYou® Points online or by calling the ThankYou Service Center. You can also use ThankYou® Points for travel at cititravel.com. If you choose to redeem online, visit thankyou.com to view the entire rewards collection available through the ThankYou® Rewards program. Upon login, there are several ways you can browse and redeem for rewards: The main Rewards page presents all categories. Simply select the type of reward you're interested in to see what the collection has to offer.Browse by specific points
- Is the Citi Strata Elite® Card a Mastercard® or Visa® Credit Card? The Citi Strata Elite® Card is a Mastercard®.
- What credit score is needed to qualify for the Citi Strata Elite® Card? Typically, applicants for the Citi Strata Elite® Card may need a credit score in the Very Good to Excellent range. However, Citi considers your creditworthiness alongside other factors like income and debt-to-income ratio. Approval eligibility is determined based on a full review of an applicant’s credit profile and application details.
Rates and fees
Annual membership fee: $595. Purchase APR: 20.49% - 28.49% variable APR, based on creditworthiness and the Prime Rate. Foreign transaction fee: None.
Rates and fees as published by the issuer and recorded on 7 Sept 2026. See the issuer's terms for current rates. View the issuer's terms
Questions about the Citi Strata Elite® Card
What is the annual fee on the Citi Strata Elite® Card?
The Citi Strata Elite® Card has an annual fee of $595.
What rewards does the Citi Strata Elite® Card earn?
The Citi Strata Elite® Card earns 12x on travel, 6x on dining & restaurants.
Is the Citi Strata Elite® Card worth it?
The Citi Strata Elite® Card is worth it when the rewards you would earn on your own spending exceed its annual fee. Upload a statement to Woodo and the calculation runs against your real categories rather than an assumed budget.
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