Citi Strata Elite℠ Card
Bonus Offer
Earn bonus points
after spending $ in the first months2
Annual fee1
Unlock
nearly $1,500 in value
This offer may not be available if you leave this page. Offers may vary and this offer may not be available in other places where the card is offered. Bonus ThankYou® Points are not available if you have received a new account bonus for a Citi Strata Elite℠ account in the past 48 months or if you converted another Citi credit card account on which you earned a new account bonus in the last 48 months into a Citi Strata Elite.
12x
12 points per dollar spent on Hotels, Car Rentals, and Attractions booked on cititravel.com26x
6 points per dollar spent on Air Travel booked on cititravel.com26x
6 points per dollar spent at Restaurants on Citi Nights℠ purchases, Friday and Saturday from 6 PM - 6 AM ET23x
3 points per dollar spent at Restaurants any other time21.5x
1.5 points per dollar spent on All Other Purchases2
Unlock nearly $1,500 in value
Up to $300 Annual Hotel Benefit
Each calendar year, enjoy up to $300 off a hotel stay of 2 nights or more when booked through cititravel.com.2
Up to $200 Annual Splurge Credit℠
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).2
Up to $200 Annual Blacklane® Credit
Every calendar year, earn up to $200 in statement credits when you book with Blacklane, a premium global chauffeur service. Earn up to $100 on Blacklane purchases January through June and up to $100 July through December.2
Priority Pass™ Select membership
Enjoy complimentary access to 1,500+ airport lounges worldwide. Annual membership fee valued at $469.2
American Airlines Admirals Club® Lounge Access Passes
Every calendar year, receive 4 Admirals Club® Citi Strata Elite℠ Passes for access to nearly 50 Admirals Club® lounges (over $300 in value). Inside each of the nearly 50 lounges, you can enjoy a selection of snacks, complimentary cocktails, personal travel assistance and more.2
Additionally, Up to $120 Global Entry® or TSA PreCheck® Application Fee Credit
Receive a statement credit, up to $120 every four years, as reimbursement for your application fee for Global Entry® or TSA PreCheck®.2
Variable APR1
% - %
on purchases and balance transfers based on your creditworthiness
Balance transfer fee1
Either $ or %
of the amount of each transfer, whichever is greater
REDEEM YOUR POINTS
Citi Travel®
Use points to book flights, hotels, car rentals and attractions.
Points transfer
Points transfer to American Airlines, JetBlue, Virgin Atlantic, Cathay Pacific, Eva Air, Choice Hotels, The Leading Hotels of the World® and others.
Gift cards, cash back and more
Redeem your ThankYou® Points for gift cards to your favorite retailers and more at thankyou.com.
Shop with points
Use points at participating merchants like Amazon, PayPal, CVS and others.
Dining
Citi Entertainment®
The Reserve by Citi Travel®
Citigold® Relationship Credit
Qualifying Citigold clients receive a $145 Banking Relationship Annual Credit if the primary cardmember has an open and current Strata Elite℠ Card account with an assessed Annual Membership Fee of .2
Citigold® Private Client Relationship Credit
Qualifying Citigold Private Clients receive a $595 first year banking relationship credit and a $145 credit each year thereafter if the primary cardmember has an open and current Strata EliteSM Card account with an assessed Annual Membership Fee of .2
Travel and Shopping Protection
Help stay protected with travel insurances, including Trip Delay Protection, Enhanced Trip Cancellation and Trip Interruption Protection, Lost or Damaged Luggage, MasterRental Coverage (car rental insurance), and Extended Warranty and Purchase Assurance Plus.2
No foreign transaction fees1
Citi® Quick Lock
Misplaced your card? Use Citi® Quick Lock in the Citi Mobile® App or at citi.com to instantly block new charges while allowing recurring transactions to continue without disruption.
24-hour fraud protection
Citi will alert you if we see unusual activity on your account.
Mastercard® ID Theft Protection
The ID Theft Protection program offered by Mastercard® helps eliminate the worry of identity theft by monitoring the information you choose to protect and alerting you if suspicious activity is found. It takes just a few minutes to enroll for free, and as soon as you do, your monitoring begins. Visit mastercardidps.idprotectiononline.com to learn more.
Contactless pay
Shop safely with a contactless chip-enabled card. Just tap your card on the payment reader and go in seconds.
Automatic account alerts
Stay updated on balance, payments and credit limits via email or text.
Choose your payment due date
Choose to pay your bill on any available due date in the beginning, middle or end of the month. Enjoy the flexibility of paying your full balance or just the minimum payment due each month.
Paperless statements and e-communications
Reduce clutter and get your statements and most legal notices online instead of in the mail.
24/7 Customer Service
Questions about your Citi® card account? Just call the number on the back of your credit card. Just say "representative" to access fast, live help from a friendly Customer Service representative ready to help with virtually every aspect of your cardmembership (including technical assistance) — 24 hours a day, 365 days a year.
Citi Mobile® App
Manage your account when you want, where you want and the way you want. It's how Citi digital services help you get the most out of your time.
Digital wallets
Digital wallets let you shop with confidence in millions of places online, within apps and in stores. With digital wallets you can speed through checkout and continue to enjoy all the great benefits that come with your card. Learn how to get started and how digital wallets can help protect your card information at citi.com/digitalservices.
Access FICO® Score
Get free access to your FICO® Score online to review your credit history.
Citi Entertainment®
Citi Entertainment® is an entertainment access program available to eligible Citi® credit card and Citibank® Debit Card customers. Citi cardmembers get special access to purchase tickets to thousands of events, including presale tickets and exclusive experiences to the year's most anticipated concerts, sporting events, arts and culture experiences.
Citi Travel®
With Citi Travel®, you can book flights, hotels, car rentals and attractions using your eligible Citi card, points or a combination of both. Citi Travel offers access to over 1.4 million hotels and resorts available worldwide.
Points transfer
Points transfer to American Airlines, JetBlue, Virgin Atlantic, Cathay Pacific, Eva Air, Choice Hotels, The Leading Hotels of the World® and others. There is no fee, and the minimum transfer is only 1,000 points.
Citi® Flex Pay
Buy now, pay later with Citi® Flex Pay. Pay over time in fixed monthly payments and continue to earn points on purchases. Available on eligible purchases of $75 or more.2
Explore the family of Strata Cards
Discover a range of credit cards tailored to your passions and priorities. Explore our collection of Citi Strata Credit Cards.
FREQUENTLY ASKED QUESTIONS
The Citi Strata Elite℠ Card offers several benefits, including the ability to enjoy rewards through the ThankYou® Rewards program:
- 12X points on Hotels, Car Rentals, and Attractions booked through cititravel.com
- 6X points on Air Travel booked through cititravel.com
- 6X points at Restaurants on Citi Nights℠ purchases (Friday and Saturday from 6 p.m. – 6 a.m. ET)
- 3X points at Restaurants at any other time2
- 1.5X points on All Other Purchases2
- Enjoy an Annual Hotel Benefit, complimentary Priority Pass Select membership, and the opportunity to earn statement credits on Blacklane purchases and more. Plus, every calendar year, you will receive four Admirals Club® Citi Strata Elite℠ Passes for access to nearly 50 Admirals Club® lounges.2
- Complimentary Priority Pass™ Select membership
- Trip Cancellation and Trip Interruption (Common Carrier)
- Trip Delay
- Lost or Damaged Luggage
- MasterRental Coverage (Car Rental)
The Annual Fee is .1
Once per calendar year, you can enjoy $300 off a single hotel stay of 2 nights or more (excluding taxes and fees) booked through cititravel.com. The benefit is applied instantly at the time of booking.
There are no foreign transaction fees1 with the Citi Strata Elite℠ Card.
You can easily redeem ThankYou® Points online or by calling the ThankYou Service Center. You can also use ThankYou® Points for travel at cititravel.com.
If you choose to redeem online, visit thankyou.com to view the entire rewards collection available through the ThankYou® Rewards program. Upon login, there are several ways you can browse and redeem for rewards:
If you choose to redeem online, visit thankyou.com to view the entire rewards collection available through the ThankYou® Rewards program. Upon login, there are several ways you can browse and redeem for rewards:
- The main Rewards page presents all categories. Simply select the type of reward you're interested in to see what the collection has to offer.
- Browse by specific points ranges.
- Use the search tool to find specific items in the collection.
- Add any desired item to your cart. After your order has been placed, a confirmation email will be sent to confirm that the redemption was successful.
- If you choose to redeem points by calling the ThankYou Service Center at 1-800-THANKYOU (1-800-842-6596), please note that only select items are redeemable by phone. For speech or hearing impaired TTY: We accept 711 or other Relay Service.
The Citi Strata Elite℠ Card is a Mastercard®.
There are many factors that Citi uses to determine creditworthiness, including your credit score. You can always visit Citi's Credit Cards homepage and navigate to the pre-qualify section to see which type of Citi card you may be pre-qualified for without affecting your credit score.
Citi Strata Elite℠ Card
1Citi Strata Elite℠ Card Pricing Details
The variable APR for purchases, and balance transfers is % - %, based on your creditworthiness. For Citi Flex Plans subject to an APR, the variable APR is % - %, based on creditworthiness. For Citi Flex Pay Plans subject to a Plan Fee, a monthly fee of up to % will apply, based on the Citi Flex Plan duration, the APR that would otherwise apply to the Transaction, and other factors. The variable APR for cash advances is %. The variable penalty APR is up to % and may be applied if you make a late payment or make a payment that is returned. Minimum interest charge – $. Annual fee - . Annual fee for Authorized Users - $. Fee for foreign purchases - None. Cash advance fee - either $ or % of the amount of each cash advance, whichever is greater. Balance transfer fee — either $ or % of the amount of each transfer, whichever is greater.
New cardmembers only. Subject to credit approval. Additional limitations, terms and conditions apply. You will be given further information when you apply.
New cardmembers only. Subject to credit approval. Additional limitations, terms and conditions apply. You will be given further information when you apply.