Citi Strata Elite℠ Card
- Annual fee
- $595
- Top rewards rate
- 3%on dining
- Annual credits
- $300see breakdown below
- Welcome bonus
- 75,000 points after $6,000 spend in 3 months
- Foreign transaction fee
- 0%
Much of the value here is in $300 of annual credits rather than the earn rate. Worth it only if you’d use them.
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Annual Credits
This card currently offers $300 in annual credits. What they're actually worth depends on how you spend, so run your own numbers in the calculator to see which ones you'd capture.
- $300 Annual hotel credit (Citi Travel) requires enrollment or a specific merchant
Credits are not factored into our rankings. Cards are ordered by rewards earned minus the full annual fee. We show credits separately so you can judge them against your own habits rather than taking an advertised total at face value.
Sign-Up Bonus
after spending $6,000 in the first 3 months
Rewards Breakdown
| Category | Rate | Details |
|---|---|---|
| Dining | 3% | Unlimited |
| Travel if you qualify | 12% | Earns 12% only on hotels, car rentals and attractions booked through Citi Travel, Citi's own booking site. Travel booked anywhere else earns the flat 1.5%. |
| Travel if you qualify | 6% | Earns 6% only on flights booked through Citi Travel. Flights booked direct with an airline earn the flat 1.5%. |
| All other purchases | 1.5% | Unlimited |
| Foreign Transaction Fee | None | Great for international purchases |
What that looks like
Spend $1,000 on dining and you earn 3,000 points, worth about $30 once redeemed. These points are worth a cent each, so 3X and 3% come out the same here. That is a property of this card, not a rule.
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See How Much You’d Earn
Enter your monthly spending to see how the Citi Strata Elite Card compares against other cards based on your actual habits.
See Your Estimated RewardsFrequently Asked Questions
What is the annual fee for the Citi Strata Elite Card?
The Citi Strata Elite Card has an annual fee of $595.
What is the sign-up bonus for the Citi Strata Elite Card?
New cardholders can earn 75,000 points after spending $6,000 in the first 3 months.
Does the Citi Strata Elite Card charge foreign transaction fees?
No, the Citi Strata Elite Card does not charge foreign transaction fees.
What categories earn bonus rewards with the Citi Strata Elite Card?
The Citi Strata Elite Card earns 3% on dining. It also advertises 12% through Citi Travel and 6% on flights through Citi Travel, but those rates apply only when you qualify, so they are excluded from our rankings.
These rankings are estimates based on published card terms. Actual rewards depend on your spending patterns, how you redeem, and whether your purchases qualify for bonus categories. Rates and terms may change, so verify current offers on the issuer’s site.