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Citi · credit
Last updated
Typically needs excellent credit (guideline, not a guarantee)
Is the Citi Strata Elite worth keeping when the fee hits? →
Welcome offer — 80,000 ThankYou points after $4,000 spend in 3 months (offer varies) Inferred by source
Portal caveat — Citi Travel averages ~14.59% above booking direct; portal redemptions are worth less than the headline rate.
Apply on Citi's siteOfficial issuer page (not an affiliate link yet) · how we earn
Personalize this for you → add your cards & memberships and we'll show what it's really worth to you.
What this card delivers across six value dimensions (0–100, normalized).
| 12× | Hotels, car rentals & attractions via CitiTravel Inferred by source |
|---|---|
| 6× | Air travel via CitiTravel Inferred by source |
| 3× | Restaurants Inferred by source |
| 1.5× | Everything else Inferred by source |
Citi ThankYou points transfer to these loyalty programs. Premium cards transfer 1:1. Inferred by source
| Airlines (14) | |
|---|---|
| Hotels (3) |
| CitiTravel hotel credit | $300/yr · annual Inferred by source |
|---|---|
| Splurge credit | $200/yr · annual Inferred by sourceenroll |
| Global Entry / TSA PreCheck | $120/yr · one-time Inferred by source |
Which of these will you actually use?
Pre-checked = a typical cardholder captures it. Uncheck the ones you won't.
Heads up: Priority Pass isn't automatic — the card makes you eligible, but you must enroll and activate your Priority Pass membership through your card's benefits portal first. Without that step you won't get in, even with the card.
| Rental car CDW | Secondary in country of residence, primary outside; covers rental car actual cash value for up to 31 days; includes up to 2 tows and loss-of-use charges (up to $500 max) Verified by source |
|---|---|
| Trip cancellation | Up to $5,000/covered trip, $10,000/account per 12 months; must be round-trip charged to card Verified by source |
| Trip delay | Up to $500/trip when delayed 6+ hours; covers meals, lodging, toiletries; max 2 claims per account per 12 months Verified by source |
| Baggage | Up to $5,000/trip for lost/damaged checked or carry-on luggage ($2,000/trip for NY residents); electronics and jewelry excluded Verified by source |
| Purchase protection | Up to $10,000/claim, $50,000/year; covers damage or theft for 120 days after purchase Verified by source |
| Extended warranty | Adds 24 months to manufacturer's warranty (original ≤24 months); max $10,000/item Verified by source |
*Realized/net assume full use of non-spend-gated credits — an upper bound. Personalize it
The Citi Strata Elite℠ Card has a $595 annual fee.
Using its non-spend-gated credits fully, the Citi Strata Elite℠ Card returns about $620 in value against its $595 annual fee — a net of +$25 per year. It can pay for itself if you actually use the credits.
The Citi Strata Elite℠ Card earns 12x on hotels, car rentals & attractions via cititravel, 6x on air travel via cititravel, 3x on restaurants.
Yes. The Citi Strata Elite℠ Card grants access to Priority Pass.
No — the Citi Strata Elite℠ Card has no foreign transaction fee, so it's a good card to use abroad.
80,000 ThankYou points after $4,000 spend in 3 months (offer varies). Welcome offers change frequently — confirm the current one on the issuer's page before applying.