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
- Credit needed
- Excellent
- 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
- 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
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 1 Oct 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.
What credit score do you need for the Citi Strata Elite℠ Card?
The Citi Strata Elite℠ Card is generally listed for applicants with excellent credit. Approval also depends on income and the issuer's own criteria.
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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