Earn 80,000 bonus ThankYou Points after spending $4,000 within the first 3 months of account opening.
The information for the Cit Strata Elite Card has been collected independently by Daily Drop. The card details on this page have not been reviewed or provided by the card issuer.
Citi Strata Elite Card
ELEVATED OFFER
80,000 Bonus Points
Rewards Rate
1.5-12x points
Annual Fee
$595
Our Mission
At Daily Drop, our mission is simple: to help you explore the world affordably and experience life-changing travel by maximizing miles and points. Our team of travel and credit card experts is here to help you make decisions about which cards belong in your wallet. Based on your travel goals, we offer unbiased advice to help you make the best choices. Keep in mind that our suggestions require responsible credit card use.
Rating Methodology
Here at Daily Drop, we score credit cards using a proprietary formula based on dozens of metrics across six key categories: annual fee, welcome offer, rewards rates, redemption value, benefits & perks, and travel protections. Higher scores indicate better overall value.
We net the annual fee against statement credits you'll likely use and focus on a welcome offer's true return on spending (ROI) rather than just the headline number. We value rewards by their actual worth in cents per point, which is why flexible, transferable points typically score highest. APR is not a standalone scoring category because we recommend paying in full to maximize points and miles, but an intro 0% APR counts as a perk.
Our reviews are editorial and experience-driven. Our team has earned and redeemed millions of miles and points and tested these cards around the world. After all, we would not be Daily Drop if we were not practicing what we preach.
Read our full methodology for more information.
Comparable Cards
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.
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 CreditSM: 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 SelectTM 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.
Recommended Credit
The recommended credit score for the Citi Strata Elite is good to excellent.
Daily Drop credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
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Our Experts
Editorial disclaimer: opinions expressed here are the author's alone, not those of any bank, credit card issuer, airline or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities. Information was last updated Jul 3, 2026.