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Citi credit card

Citi Strata Elite® - Travel Credit Card

$595 a year. 75,000 ThankYou® Points after you spend $6,000 in 3 months. Purchase APR 20.74–28.74%, variable. No foreign transaction fees.

Checked Nov 1, 2026Updated

Welcome offer
Annual fee
Purchase APR · variable
Foreign transactions

Select an underlined figure to see where it comes from.

Citi’s terms

Welcome offer

75,000 Points

After you spend $6,000 on purchases in your first 3 months.

Spending it takes
$2,000 a month
for 3 months
Tracking since
Oct 11, 2026
history will chart every change

New cardmembers only; subject to credit approval. The offer is not available if you currently have or previously had a Citi Strata Elite® account. Additional limitations, terms and conditions apply.

Who can get it: If you’ve ever had this card, you can’t get the bonus.

“New account bonus offer is not available if you currently have or previously had a Citi Strata Elite ® account.”

The issuer’s terms, from its page, as of Oct 12, 2026. Check which bonuses you can get

In dollars

What it’s worth

Yearly value in dollars: rewards and credits minus the annual fee, for three ways of spending. First year includes any welcome bonus.

SpendingValue against the feeFirst yearAfter
Light spender−$395−$395
Typical spender$660−$90
Heavy spender$1,255$505
The spending each assumes, and what isn’t counted
  • Light spender: groceries $300, dining $100, gas $100, everything else $500 a month
  • Typical spender: groceries $600, dining $300, gas $200, travel $150, everything else $1,250 a month
  • Heavy spender: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500 a month

Assumed: not counted: 12x Attractions booked on cititravel.com; not counted: 6x Restaurants on Citi Nights purchases Friday and Saturday from 6 PM – 6 AM ET; points valued at an assumed 1¢; welcome bonus needs $6,000 in 3 months; not counted: 12x Hotels booked on cititravel.com; not counted: 6x Air Travel booked on cititravel.com.

−$395a year

The same in the first year and after.

Rewards and credits$200

−$395 after the fee−$595 annual fee

The spending this assumes

A month: groceries $300, dining $100, gas $100, everything else $500. Assumed: not counted: 12x Attractions booked on cititravel.com; not counted: 6x Restaurants on Citi Nights purchases Friday and Saturday from 6 PM – 6 AM ET; points valued at an assumed 1¢; welcome bonus needs $6,000 in 3 months.

−$90a year

$660 the first year, with the welcome bonus.

Rewards and credits$505

−$90 after the fee−$595 annual fee

The spending this assumes

A month: groceries $600, dining $300, gas $200, travel $150, everything else $1,250. Assumed: not counted: 12x Attractions booked on cititravel.com; not counted: 6x Restaurants on Citi Nights purchases Friday and Saturday from 6 PM – 6 AM ET; points valued at an assumed 1¢.

$505a year

$1,255 the first year, with the welcome bonus.

Rewards and credits$1,100

You keep $505−$595 annual fee

The spending this assumes

A month: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500. Assumed: not counted: 12x Attractions booked on cititravel.com; not counted: 12x Hotels booked on cititravel.com; not counted: 6x Air Travel booked on cititravel.com; not counted: 6x Restaurants on Citi Nights purchases Friday and Saturday from 6 PM – 6 AM ET; points valued at an assumed 1¢.

Use your own spending

Estimates from the published terms above, as checked Nov 1, 2026; not advice. How we value cards

Against the market

How it compares

Other points cards with fees over $300

Against this card, for our typical spender’s value (rewards and credits minus fees, after the first year).

Shares rounded to 5 points. Fees and APRs as stated; value for our typical spender. Method

ThankYou® Rewards

How you earn

12×
Hotels booked on cititravel.comCar Rentals booked on cititravel.comAttractions booked on cititravel.com
6×
Air Travel booked on cititravel.comRestaurants on Citi Nights purchases Friday and Saturday from 6 PM – 6 AM ET
3×
Restaurants at any other time
1.5×
Everything else

Points per dollar. “What it’s worth” values a point at an assumed 1¢.

Benefits

  • Annual Hotel Benefit: $300 annual
  • Splurge Credit: $200 annual
  • Blacklane Credit: $100 semiannual
  • Global Entry or TSA PreCheck Application Fee Credit: $120 every 4 years
  • Citigold Banking Relationship Annual Credit: $145 annual
All 22 benefits
  • Citigold Private Client first-year banking relationship credit: $595 one time
  • Citigold Private Client banking relationship credit thereafter: $145 annual
  • Up to $120 statement credit every four years for Global Entry or TSA PreCheck application fee
  • Priority Pass™ Select membership: complimentary access to 1,500+ airport lounges worldwide (annual membership fee valued at $469)
  • American Airlines Admirals Club® Citi Strata Elite® Passes: 4 per calendar year for access to nearly 50 Admirals Club lounges (over $300 in value)
  • Annual Hotel Benefit: up to $300 off a single hotel stay of 2 nights or more (excluding taxes and fees) booked through cititravel.com, once per calendar year, applied instantly at booking
  • Citi Travel: book flights, hotels, car rentals and attractions with points or a combination of points and card; access to over 1.4 million hotels and resorts worldwide
  • Points transfer to American Airlines, JetBlue, Virgin Atlantic, Cathay, Eva Air, Choice Hotels, The Leading Hotels of the World®, and others; minimum transfer 1,000 points
  • No foreign transaction fees on purchases
  • Citi Entertainment access to presale tickets and exclusive experiences
  • Citi Flex Pay: pay over time in fixed monthly payments on eligible purchases of $75 or more while continuing to earn points
  • Trip delay
  • Trip cancellation
  • Baggage
  • Rental car
  • Extended warranty
  • Purchase protection

Every figure with its receipt

Rates and fees

Annual fee
Purchase APRvariable
Balance transfer APR
Balance transfer fee
Cash advance APR
Cash advance fee
Penalty APR
Late payment
Returned payment
Foreign transactions
Grace period
Minimum interest charge

Before you apply

  1. What the application asks: your name, address, date of birth, Social Security number (or ITIN), income and housing payment. By law the issuer must consider your ability to pay (Regulation Z, 1026.51).
  2. Your credit report: applying usually means a hard inquiry, which can lower your score slightly for a while. Some issuers let you check whether you’re pre-approved first without one. How credit reports work (CFPB)
  3. The bonus: If you’ve ever had this card, you can’t get the bonus.

Questions

What is the annual fee?
$595 · Reported to the CFPB, since Sep 29, 2026
Does it charge a foreign transaction fee?
No. · citi.com, since Sep 29, 2026
What is the purchase APR?
20.74–28.74% APR · citi.com, since Oct 3, 2026
Is there a welcome bonus?
75,000 ThankYou Points after $6,000 in purchases in 3 months. · citi.com, since Oct 11, 2026
See it on citi.com

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