Citi Strata Elite℠ Card
A $595-annual-fee points card from Citibank, National Association, with airport lounge access.
Citibank, National Association · MASTERCARD
- Annual fee
- $595
- Purchase APR
- 20.49–28.49%variable
- Foreign transaction
- None
Earn Rules
| Dining | 300.00% |
| Travelbooked on cititravel.com | 1200.00% |
| Travelbooked on cititravel.com | 600.00% |
| Diningon Citi Nights℠ purchases, Friday and Saturday from 6 PM - 6 AM ET | 600.00% |
| All Other | 150.00% |
Statement Credits
Each credit shown at full face value. The NAV math counts the total. What you actually use is your call.
| Qualifying Citigold Private Clients receive a $595 first year banking relationship credityearSource ↗ | $595/yr |
| Up to $300 off a hotel stay of 2 nights or more when booked through cititravel.com.yearSource ↗ | $300/yr |
| 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).yearSource ↗ | $200/yr |
| 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.yearSource ↗ | $200/yr |
+ Show 3 more credits
| Qualifying Citigold Private Clients receive a $145 credit each year thereafteryearSource ↗ | $145/yr |
| Qualifying Citigold clients receive a $145 Banking Relationship Annual CredityearSource ↗ | $145/yr |
| Up to $120 every four years, as reimbursement for your application fee for Global Entry® or TSA PreCheck®.every 4 years (amortized)Source ↗ | $30/yr |
| Total credits / year we count | $1,615 |
Why this differs from the issuer's headline number. Card marketing sums every credit at full value and assumes you use all of them. We count each credit at face value too, but only the ones shown above. A credit you won't use is worth $0 to you, so the honest number for most people is lower than the brochure. Decide which ones fit your life; the calculator counts what you tell it to.
Signup Bonus
Bonus Offer after spending $6,000 in the first 3 months
· Spend $6,000 in 3 months
This bonus is counted in full in the card's Year 1 value, and only when your spend meets the requirement. It's excluded from the ongoing value.
Who This Card Makes Sense For
- People who reliably pay their balance in full each month. The 28.49% APR would wipe out the card's other benefits within a single billing cycle of revolving.
- Travelers who will actually use the lounge access. Set what a visit is worth to you in the calculator above — it is counted as $0 until you do, so the $595 fee currently has to be covered by everything else.
Wondering if this card pays off for your situation? Is the Citi Strata Elite℠ Card worth it? →
Other Cards in the Same Fee Tier
A similar annual fee, ranked at the default profile.
- Hilton Honors American Express Aspire Card$1,448 ($135)
- American Express® Gold Card$883 ($700)
- City National Crystal® Visa Infinite® Credit Card$863 ($720)