Citi Strata Elite Card:: Offers over $700 in annual benefits through statement credits, including hotel, Blacklane, and Splurge credits. It earns bonus points on dining and travel booked through Citi Travel. Why this matters: These credits can offset the $595 annual fee and provide significant value to frequent travelers and foodies.
Citi Strata Card:: A no-annual-fee card offering 30,000 bonus points after spending $1,000 in the first 3 months. It earns 3X points at supermarkets, gas stations, and on select transit purchases. Why this matters: This card provides strong rewards for everyday spending without an annual fee.
Strata Elite Statement Credits:: The Strata Elite card includes up to $300 annual hotel benefit, up to $200 Blacklane credit (luxury limousine service), and up to $200 Splurge Credit for selected merchants. Why this matters: These credits are relatively easy to redeem and provide tangible savings.
Strata Card Bonus Categories:: The Strata card offers 5X ThankYou Points for hotels, car rentals, and attractions booked on Citi Travel, and 3X points for a self-selected category (fitness clubs, streaming, etc.). Why this matters: These bonus categories allow cardholders to maximize points earned on their spending.
Citi Strata Elite Card
The Citi Strata Elite Card is designed for frequent travelers and food enthusiasts. It features a $595 annual fee but offers a range of benefits that can offset this cost.
Earning Points:
12x points on hotels, car rentals, and attractions booked via Citi Travel.
6x points on air travel booked via Citi Travel and at restaurants during Citi Nights (Friday and Saturday, 6 p.m. to 6 a.m. Eastern Time).
3 points per $1 at restaurants at other times.
1.5 points per $1 on all other purchases.
Statement Credits:
$300 annual hotel benefit for prepaid hotel stays of 2 nights or longer booked through Citi Travel.
Up to $200 annual Blacklane credit ($100 from January-June, $100 from July-December).
$200 annual Splurge Credit for selected merchants (e.g., Best Buy, American Airlines).
Global Entry or TSA PreCheck credit (up to $120 every 4 years).
Additional Benefits:
Priority Pass Select membership for airport lounge access.
4 American Airlines Admirals Club lounge passes per year.
Citi Strata Card
The Citi Strata Card is a no-annual-fee card that provides solid rewards for everyday spending.
Earning Points:
30,000 bonus points after spending $1,000 in the first 3 months.
3X ThankYou Points at supermarkets, gas stations, and on select transit purchases.
5X ThankYou Points for hotels, car rentals, and attractions booked on Citi Travel.
3X ThankYou Points for a self-selected category (fitness clubs, select streaming services, live entertainment, cosmetic stores/barber shops/hair salons, or pet supply stores).
2X ThankYou Points at restaurants.
1X ThankYou Point on all other purchases.
Introductory APR:
0% introductory APR for 15 months on purchases and balance transfers.
Comparison
| Feature | Citi Strata Elite Card | Citi Strata Card |
| ------------------- | -------------------------------------------------------------- | ----------------------------------------------------------------------------- |
| Annual Fee | $595 | $0 |
| Welcome Offer | Varies | 30,000 bonus points after spending $1,000 in 3 months |
| Supermarkets | Part of broader dining/travel categories | 3X ThankYou Points |
| Gas Stations | Part of broader dining/travel categories | 3X ThankYou Points |
| Travel | 12x on Citi Travel | 5X on hotels, cars, attractions via Citi Travel |
| Statement Credits | Hotel, Blacklane, Splurge, Global Entry/TSA PreCheck | None |
| Lounge Access | Priority Pass, Admirals Club | None |
| Intro APR | None | 0% for 15 months on purchases and balance transfers |
What is the annual fee for the Citi Strata Elite Card?
The annual fee is $595.
What is the welcome offer for the Citi Strata Card?
Earn 30,000 bonus points after spending $1,000 in the first 3 months.
What are Citi Nights?
Citi Nights are Friday and Saturday nights from 6 p.m. to 6 a.m. Eastern Time, during which the Citi Strata Elite Card earns 6x points at restaurants.
What is the Splurge Credit on the Citi Strata Elite Card?
The Splurge Credit provides up to $200 in statement credits for purchases with selected merchants.
The Citi Strata Elite Card is best for those who can maximize its statement credits and bonus categories, offsetting the annual fee with travel and dining rewards. The Citi Strata Card is ideal for those seeking a no-annual-fee card with strong rewards on everyday spending, particularly on groceries and gas.
Do you think the benefits of the Citi Strata Elite Card justify its annual fee? Let us know!
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