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non-affiliate offer
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Annual Fee
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How to Earn Rewards
12x
points per dollar spent on Hotels, Car Rentals, and Attractions booked on cititravel.com.
6x
points per dollar spent on Air Travel booked on cititravel.com.
6x
points per dollar spent at restaurants on Citi Nights℠ purchases, Friday and Saturday from 6 PM – 6 AM ET.
3x
points per dollar spent at Restaurants any other time.
1.5x
points per dollar spent on All Other Purchases.
Benefits
Each calendar year, enjoy up to $300 off a hotel stay of 2 nights or more when booked through cititravel.com.
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).
Priority Pass™ Select membership. Enjoy complimentary access to 1,500+ airport lounges worldwide.
Every calendar year, receive 4 Admirals Club® Citi Strata Elite℠ Passes for access to nearly 50 Admirals Club® lounges.
Receive a statement credit, up to $120 every four years, as reimbursement for your application fee for Global Entry® or TSA PreCheck®.
My Take
In the battle of premium cards, I was a little surprised to feel kind of "meh" about this card's release. It's much harder to make up the annual fee than it is on a card like Capital One Venture X Rewards Credit Card. Most premium cards have a travel credit that is somewhat flexible — this one you have to use only for hotel stays of 2+ nights booked via cititravel.com and the statement credits feel a bit haphazard.
Where this card has some unique features is (1) lounge access for and (2) transfer partners.
For Priority Pass lounge access, you'll get to bring in 2 guests — not quite enough for most families. But you also get 4 passes for the Admirals Club® lounges (valid if you have a same day boarding pass arriving or departing on a oneworld airline). These passes get in an adult and up to 3 children under 18. For families flying American a few time a year, it's an interesting perk.
This card also has a few niche but great transfer partners. The biggest is new in 2025 — Citi added American Airlines as a transfer partner. Another favorite transfer partner is Choice Hotels — especially with the 1:2 ratio this card offers. That means your points double when you transfer to Choice. Another strong partner is Turkish Airways, especially for United domestic redemptions.
Ultimately, you'll need to use our Benefits Calculator (below) to find out if this makes sense for you.
offer History
This card debuted July 28, 2025. At that time, 80,000 points was the new offer. There was a limited 100,000 point offer available in branch.
Citi Strata Elite℠ Card: What's It Worth to You?
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Your Total Annual Value:
Annual Fee: $595
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Learn More About Citi Strata Elite℠ Card
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