What you get
Rewards and benefits
How it earns
Earn ThankYou Points on travel and dining purchases Annual hotel benefit
- Receive a statement credit,up to $120 every four years,as reimbursement for your application fee for Global Entry or TSA PreCheck. Qualifying Citigold clients receive a $145 Banking Relationship Annual Credit if the primary cardmember has an…
- Enjoy complimentary access to 1,500+ airport lounges worldwide.Annual membership fee valued at $469. Every calendar year,receive 4 Admirals Club Citi Strata Elite Passes for access to nearly 50 Admirals Club lounges (over $300 in…
Shown as the issuer describes it. Caps, exclusions and enrollment rules can apply.
What it costs
Fees, rates and terms
Foreign transaction feeNo foreign transaction fees
Advertised credit profileIssuer determines eligibility; no minimum score published in the reviewed source.
The advertised credit profile is general guidance, not a score cutoff or an approval prediction. Citi makes every lending decision.
- Balance transfers and fees
- Balance transfer fee
- Redemption options and restrictions
- Redeem your ThankYou Points for gift cards to your favorite retailers and more at thankyou.com. Redeem your points
- Bonus eligibility and restrictions
- This offer may not be available if you leave this page.Offers may vary and this offer may not be available in other places where the card is offered.New account bonus offer is not available if you currently have or previously had a Citi Strata Elite account.You also may not be eligible for the new account bonus offer based on a number of factors,such as your history of opening,closing and using credit cards.
- Statement credits and enrollment
- Receive a statement credit,up to $120 every four years,as reimbursement for your application fee for Global Entry or TSA PreCheck. Qualifying Citigold clients receive a $145 Banking Relationship Annual Credit if the primary cardmember has an open and current Strata Elite Card account with an assessed Annual Membership Fee of. Every calendar year,earn up to $200 in statement credits when you book with Blacklane,a premium global chauffeur service.Earn up to $100 on Blacklane purchases January through June and up to $100 July through December. Every calendar year,earn up to $200 in statement credits on your choice of up to 2 of the following brands:1stDibs,American Airlines (exclusions apply),Best Buy,Future Personal Training,and Live Nation (exclusions apply).
- Lounge access and guest rules
- Enjoy complimentary access to 1,500+ airport lounges worldwide.Annual membership fee valued at $469. Every calendar year,receive 4 Admirals Club Citi Strata Elite Passes for access to nearly 50 Admirals Club lounges (over $300 in value).Inside each of the nearly 50 lounges,you can enjoy a selection of snacks,complimentary cocktails,personal travel assistance and more.
Recorded from Citi’s public information. Rates and fees change, so the issuer’s current disclosures are authoritative.
Your call
Before you apply for the Citi Strata Elite Card
- Confirm the ongoing annual fee on the issuer’s current pricing disclosure before estimating net rewards.
- For travel rewards, test the redemption you would actually book. Portal restrictions, transfer availability and taxes can change the value of points.
- Check merchant-category definitions, spending caps and enrollment rules before assuming the advertised bonus rate applies to every purchase.
- Treat an eligible welcome offer as first-year value only, separately from ongoing rewards. Review spend requirements and account eligibility.
- Compare the current purchase APR and consider how reliably you can pay the statement balance in full. Interest can outweigh rewards.
Read the full application checklist →See how it fits your spending in Find My Card →
