Citi Strata Elite Card
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Earn 75,000 ThankYou Points after $6,000 in purchases in the first 3 months.
Citi's premium answer to Amex Platinum + Sapphire Reserve. The 12x on Citi-booked hotels is the best earning rate in the category; the $200 Blacklane and 4 Admirals Club passes are differentiated perks. $595 fee penciled out if you'll actually use the hotel + Splurge credits.
Earning Rates
At a glance
- 12x on Citi hotels
- $300 hotel + $200 Splurge + $200 Blacklane
- 4 Admirals Club passes
- Citi TY transfer to 16 partners
Earning rates
5- 12xlodging
12x points on hotels, car rentals, and attractions booked through cititravel.com (Citi Travel)
- 6xflights
6x points on air travel booked through cititravel.com (Citi Travel)
- 6xdining
6x points at restaurants on Citi Nights, defined as restaurant purchases every Friday and Saturday from 6:00 PM to 6:00 AM Eastern Time
- 3xdining
3x points at restaurants (including restaurant delivery services) at all other times outside the Citi Nights window
- 1.5xeverything else
1.5x points on all other eligible purchases
Statement credits
11- $200Splurge CreditYearly
Up to $200 in annual statement credits on your choice of up to 2 brands: 1stDibs, American Airlines, Best Buy, Future Personal Training, or Live Nation
- $200Blacklane CreditTwice a year
$100 in Blacklane chauffeur statement credits Jan-Jun and again Jul-Dec. $200/year cap.
- $300Hotel BenefitYearly
$300 off your first qualifying 2+ night hotel booking through Citi Travel each year
- $316Admirals Club PassesYearly
4 single-visit Admirals Club passes per year (editorial value 4 × $79 day pass)
- $120Global Entry/TSA PreCheckYearly
Up to $120 statement credit for Global Entry, every 4 years.
- $300Up to $300 Hotel Benefit each calendar year
Up to $300 Hotel Benefit each calendar year: a statement credit toward a single prepaid hotel stay of 2 nights or more booked through cititravel.com (resets every January, not on the cardmember anniversary, so the first year of holding the card carries outsized value)
- $200Up to $200 Splurge Credit each calendar year
Up to $200 Splurge Credit each calendar year: cardholder picks up to 2 of the eligible brands annually (1stDibs, American Airlines, Best Buy, Future Personal Training, Live Nation), with statement credits issued automatically on qualifying purchases (exclusions apply on American Airlines and Live Nation)
- $200Up to $200 Blacklane Credit each calendar year, split into two $100 semi-annual buckets ($100 January through June, $100 July through December) for premium global chauffeur bookings
- $120Up to $120 statement credit every 4 years as reimbursement for the application fee for Global Entry or TSA PreCheck (charged to the card)
- $100Access to The Reserve by Citi Travel luxury hotel collection (4
Access to The Reserve by Citi Travel luxury hotel collection (4.5- to 5-star properties), with on-property benefits at every stay: daily complimentary breakfast for 2, complimentary Wi-Fi (unless covered by resort fee), $100 per-stay experience credit redeemable on dining, spa, or other property charges (varies by property), room upgrade at check-in subject to availability, and early check-in plus late checkout subject to availability
- $145Citigold relationship credits
Citigold relationship credits: $145 annual statement credit toward the annual fee for qualifying Citigold clients each year; Citigold Private Clients receive a $595 first-year banking relationship credit (effectively offsetting the full first-year annual fee) followed by $145 each year thereafter
Perks & memberships
8- Authorized users$595 annual fee, plus $75 per authorized user
- Lounge accessComplimentary Priority Pass Select membership with unlimited visits to 1,500+ airport lounges worldwide for the primary cardmember, authorized users, and up to 2 guests per visit (Priority Pass annual value cited at $469)
- Lounge access4 single-use Admirals Club Citi Strata Elite Passes each calendar year for the primary cardmember at nearly 50 American Airlines Admirals Club locations (Admirals Club one-day pass face value $79, so 4 passes is more than $300 in value)
- No foreign feesNo foreign transaction fees on purchases made outside the United States
- ConciergeWorld Legend Mastercard 24/7 Concierge service for restaurant reservations, hard-to-find item sourcing, event and travel booking, and other concierge assistance (Strata Elite is the first card on the new World Legend Mastercard tier, which sits above World Elite)
- ExperiencesThe Mastercard Collection and Priceless Experiences: priority restaurant reservations at thousands of high-demand restaurants globally, plus presale and preferred ticketing access for music, theater, and sporting events (Priceless experiences benefit period running through March 31, 2027)
- ExperiencesCiti Entertainment: presale and exclusive access to concerts, sporting events, and curated experiences
- Card networkNetwork: Mastercard World Legend (a new top tier above World Elite Mastercard, introduced with the Strata Elite launch in 2025)
Travel & purchase protections
6- MasterRental car rental coverage: when you decline the rental company's collision damage waiver and charge the full rental to the card, coverage reimburses for collision, theft, vandalism, and overturn damage to the rental vehicle. Primary outside the cardholder's country of residence and secondary inside the U.S.; rental period limited to 31 consecutive days; up to $500 of loss-of-use charges covered (per the Mastercard World Legend Guide to Protection Benefits for the Citi Strata Elite, CRE388 06/25)
- Enhanced Trip Cancellation and Trip Interruption: up to $5,000 per Covered Trip and up to $10,000 per Eligible Account per 12 consecutive month period for nonrefundable amounts paid to a Travel Supplier when a covered loss (covered illness, injury, severe weather, jury duty, military orders, terrorist action, quarantine, and other listed reasons) cancels or interrupts a trip charged to the card
- Trip Delay coverage: reimburses up to $500 per Covered Trip for reasonable additional expenses (meals, lodging, toiletries, medication, personal use items) when a common carrier trip is delayed more than 6 hours due to a covered loss such as inclement weather, equipment failure, or lost or stolen travel documents; up to 2 claims per Eligible Account per 12 consecutive months
- Lost or Damaged Luggage: reimburses up to $5,000 per Covered Trip for permanently lost or damaged checked or carry-on luggage and contents, secondary to common carrier reimbursement; New York State residents capped at $2,000 per bag; up to 2 claims per Eligible Account per 12 months
- Extended Warranty: doubles the time period of the original U.S. manufacturer's warranty (or store warranty) of 24 months or less, up to an additional 24 months, with a maximum benefit of $10,000 per claim
- Additional Mastercard World Legend benefits: Mastercard ID Theft Protection (credit monitoring and suspicious activity alerts), Mastercard Travel Rewards cash back at participating merchants in 25 countries, Mastercard Golf with PGA Tour experiences and golf concierge, Global Emergency Services, and Zero Liability protection against unauthorized use
More benefits & fine print (2)ShowHide
- Purchase Assurance Plus: covers eligible purchases against theft or damage for 120 days from the date of purchase (90 days for New York State residents), up to $10,000 per claim and $50,000 per Eligible Account per 12 consecutive months
- Access to Fashioned by Death & Co.: a Citi Strata Elite cocktail and lifestyle content platform with home mixology tutorials (21+)
How we verified this card (10 sources)ShowHide
- citi.com
- citigroup.com
- cardbenefits.citi.com
- onemileatatime.com
- upgradedpoints.com
- upgradedpoints.com
- thepointsguy.com
- thepointsguy.com
- onemileatatime.com
- asksebby.com
Spotted something off? Report an issue. Read our verification methodology.
Transfer Partners
Full guide →Citi ThankYou points transfer to these loyalty programs:
How to Earn the Bonus
Spend $6,000 in the first 3 months to earn the 75,000 points bonus.
See the Current Offer
Earn 75,000 points
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