Citi Strata Elite℠ Card 2026 Review

Annual fee
$595
Rewards rate
12%-1.5%
Welcome Bonus
75,000 bonus points
Apply Now →on Citi's website

  • 12%Points on hotels, car rentals, and attractions booked through Citi Travel
  • 1.5%Points on all other purchases

Welcome Bonus:

Earn 75,000 bonus points after spending $6,000 on purchases within the first three months.

Reward Rate:

Earn 12x points on hotels, car rentals, and attractions booked through Citi Travel, and 1.5 points on all other purchases.

The Citi Strata Elite Card shines for its exceptional earning rates on travel-related purchases, making it a great choice for those who frequently book through Citi Travel and want luxury perks.

Pros:

  • High earning potential on travel
  • Luxury travel perks

Cons:

  • High annual fee
  • Limited to specific categories
Apply now →

The Citi Strata Elite℠ Card is well-suited for frequent travelers who prioritize earning rewards on travel-related purchases and value luxury benefits, despite its high annual fee. Those who regularly utilize Citi Travel for bookings may find the card’s enhanced earning potential and welcome bonus particularly advantageous.

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