Citi Strata Elite℠: High-Earning Travel Card with Premium Benefits

The Citi Stata Elite℠ Card was launched in July 2025.

Welcome Offer

• Earn 75,000 bonus points after spending $6,000 in the first three months.

Rewards

• 12x Points on Select Citi Travel^®: Earn 12x points on hotels, car rentals, and attractions booked through Citi Travel^®.
• 6x Points on Air Travel booked through Citi Travel^®.
• Up to 6x Points at Restaurants:
  • 6x Points at Restaurants on Citi Nights℠ purchases, Friday and Saturday from 6pm - 6am ET.
  • 3x Points at Restaurants any other time.
• 1.5x Points on all other purchases.

Redemption Options

• Flexible Redemption: Redeem points for cashback, gift cards, travel, purchases at Amazon.com, PayPal checkout, and more.
• Travel Partner Transfers: Points can be transferred to select airline and hotel partners, though transfer ratios may vary.

Fees and APR

• Annual Fee: $595, with an additional $75 for each authorized user.
• Regular APR: 20.49% - 28.49% Variable APR.
• Balance Transfer Fees: $5 or 5% of each transfer amount, whichever is greater.
• Foreign Transaction Fee: None.

Annual Credits & Statement Credits

• Up to $300 Annual Hotel Credit: Receive up to $300 off a hotel stay of two nights or more each calendar year when you book through Citi Travel^®.
• Up to $200 Annual Splurge Credit℠: Earn up to $200 in statement credits per calendar year across up to two selected participating brands (terms and exclusions apply). Participating brands currently include 1stDibs, American Airlines (select purchases), Best Buy^®, Future Personal Training, and Live Nation.
• Up to $200 Annual Private Chauffeur Credit with Blacklane^®: Earn up to $200 in statement credits per calendar year on eligible Blacklane bookings – up to $100 January-June and up to $100 July-December.

Relationship Credits

• Citigold^® Relationship Credit: Eligible Citigold^® clients may receive a $145 annual banking relationship credit when the primary cardmember has an open and active Citi Strata Elite℠ Card with the $595 annual fee assessed.
• Citigold^® Private Client Relationship Credit: Eligible Citigold^® Private Client members may receive a $595 banking relationship credit in the first year and $145 annually thereafter when the primary cardmember has an open and active Citi Strata Elite℠ Card with the $595 annual fee assessed.

Lounge Access

• Priority Pass™ Select membership (Valued up to $469): Complimentary membership for primary cardmembers and authorized users, with access to 1,500+ airport lounges worldwide. Includes up to 2 guests per visit (additional guests $35 each). Access is subject to lounge capacity and participation.
• American Airlines Admirals Club^® Lounge Passes ($300+ in Value): Receive four Admirals Club^® passes per calendar year for access to nearly 50 Admirals Club^® locations. Passes are subject to availability and lounge access policies.

Travel Benefits

• Up to $120 Global Entry or TSA PreCheck^® Credit: Receive a statement credit (up to $120 every four years) as reimbursement for your Global Entry^® or TSA PreCheck^® application fee.
• The Reserve by Citi Travel^®: Curated hotel collection offering benefits such as daily breakfast for two, a $100 on-property credit (varies by property), and select perks like upgrades or late checkout when available. Benefits apply when booking an eligible Reserve rate through Citi Travel.

Travel Protections

• Trip Delay Protection: Get reimbursed for eligible expenses like meals and lodging if your trip is delayed for a covered reason.
• Trip Cancellation & Interruption Insurance: Get reimbursed for non-refundable travel costs if you need to cancel or cut your trip short due to a covered reason. Applies to airfare, ferry, train, bus, and cruise tickets when purchased with your card.
• Lost or Damaged Luggage: Get reimbursed for eligible expenses if your checked or carry-on luggage is lost or damaged during your trip.
• MasterRental^® Coverage (Car Rental): Get coverage for damage or theft of a rental car when you pay for the rental with your card and decline the rental company’s collision damage waiver.

Purchase Protections

• Purchase Assurance Plus: Covers eligible new purchases against damage or theft.
• Extended Warranty: Get extra warranty protection at no cost on eligible items you purchase with your card.

Convenience Features

• Digital wallet compatible: Apple Pay^®, Google Pay™, Samsung Pay.

Nice Extras

• Entertainment Access: Citi Entertainment^® (presale ticket access and occasional exclusive events).
• Citi Travel^®: :** Integrated travel booking portal (book flights, hotels, car rentals, and attractions using your eligible Citi card, points, or a combination of both).
• Dining Events Access: Access to select ticketed dining events through The Supper Club^® (tickets available for purchase; availability varies by city and event).
• Access to Fashioned by Death & Co^®: Complimentary access to Fashioned by Death & Co^®, an online learning platform for cocktail education (enrollment required; 21+).

Buy Now, Pay Later Options

• Citi^® Flex Pay: Buy now and pay over time with fixed monthly payments on eligible purchases of $75 or more, while still earning points on your purchases.

Additional Features

• Identity Theft Assistance: Mastercard ID Theft Protection (identity monitoring alerts and guided recovery support).
• Card Lock: Citi Quick Lock (temporarily blocks new purchases while allowing recurring transactions).
• Free credit score access.

Terms and Conditions

• Click Apply Now to see the terms and conditions.

EarnSmart Rewards Strategy

• Citi Double Cash^®: Unlimited 2% cashback on all purchases, with rewards that can be combined with Citi Strata Elite℠ points. 👉 Learn more about Citi Double Cash^®.
• Citi Custom Cash^®: Earn up to 5% cashback on your top eligible spending category each billing cycle, complementing Citi Strata Elite℠’s broader rewards structure. 👉 Learn more about Citi Custom Cash^®.