THE CARDTUNED DATABASE
Citi Strata Elite Card
Issuer: Citi · Network: Mastercard
12X hotels, car rentals and attractions through Citi Travel; 6X air travel through Citi Travel; 6X restaurants during Citi Nights (Friday/Saturday 6 PM–6 AM ET); 3X restaurants at other times; 1.5X all other purchases
- Annual fee
- $595
- Foreign transaction fee
- None
- Intro APR
- No public introductory APR listed; promotional terms, if any, are disclosed in the application.
- Regular APR
- Variable purchase APR; exact rate is disclosed in the application and card agreement.
Full card review date:
This date covers the full card review. Individual terms may have been checked separately afterward; see dates noted in the terms and offer below.
Current offer
75,000 ThankYou points after $6,000 in 3 months; public-page offer may vary
- Spending requirement
- $6,000 in eligible purchases
- Time window
- First 3 months of account opening
Offer last checked: 2026-09-30
Earning rates
Scroll the table horizontally on smaller screens.
| Category | Rate | Eligible purchases and conditions |
|---|---|---|
| Hotels & Car rentals & Attractions | 12X | hotels, car rentals and attractions through Citi Travel |
| Flights | 6X | air travel through Citi Travel |
| Dining | 6X | restaurants during Citi Nights (Friday/Saturday 6 PM–6 AM ET) |
| Dining | 3X | restaurants at other times |
| Other purchases | 1.5X | all other purchases |
Additional benefits
• Receive up to $300 off one hotel stay of 2+ nights booked through Citi Travel each calendar year.
• Receive up to $200 in annual Splurge Credits and up to $200 in annual Blacklane credits.
• Complimentary Priority Pass Select membership plus 4 Admirals Club passes each calendar year.
• Up to $120 Global Entry or TSA PreCheck application-fee credit every 4 years, eligible travel protections, and no foreign transaction fees.
Restrictions to know
Public rewards-page offer: 75,000 ThankYou points after $6,000 in eligible purchases in the first 3 months; offers vary by channel. New-account bonus is unavailable if you currently have or previously had a Citi Strata Elite account; other issuer eligibility factors apply. The $300 hotel benefit applies once per calendar year to a single stay of at least 2 nights through Citi Travel and excludes taxes and fees. Splurge Credit is limited to up to 2 selected eligible brands. Blacklane credit is split into $100 for Jan–Jun and $100 for Jul–Dec. Lounge access, credits, transfers, and protections are subject to enrollment and benefit terms.
Who can apply
U.S. applicant of legal age; subject to Citi credit approval, identity and income verification, and current product/application rules.
Credit profile: Not Public / issuer underwriting applies