Citi Strata Elite
- Annual fee
- $595
- Earns
- Citi ThankYou points
- Point value
- 1.9 CPP
- Credits a year
- Up to $824
Welcome offer
Earn 75,000 Citi ThankYou points after you spend $6,000 in 3 months
≈ $1,425 at 1.9 CPP
Earning rates
| Category | Earns | Return |
|---|---|---|
| Travel booked through Citi Travel | 12x | 22.8% |
| Dining | 3x | 5.7% |
| Travel | 1.5x | 2.85% |
| Groceries | 1.5x | 2.85% |
| Gas | 1.5x | 2.85% |
| Everything else | 1.5x | 2.85% |
Return is what each $1 of spend is worth with points valued at 1.9 CPP.
Credits and benefits
- Annual Hotel Credit$300 a calendar year
- Annual Splurge Credit$200 a calendar year
- Blacklane Credit$100 every 6 months
- Admirals Club Passes$4 a calendar year
- Global Entry/TSA PreCheck Credit$120 every 4 years
Up to $824 a year if you use every credit. Track them in the benefits tracker
Lounge access
Priority Pass Select membership with 2 free guests per visit ($35 per extra guest); authorized users ($75/year each) get their own membership. Plus 4 Admirals Club passes each calendar year, each admitting one person.
Guests
- Priority Pass Select: 2 free guests, then $35 per guest
- Admiral: no free guests
Transfer partners for Citi ThankYou points
| Partner | Ratio | Transfer time |
|---|---|---|
| Accor Live Limitless | 2:1 | Up to 48 hours |
| AeroMexico | 1:1 | Almost Instantly |
| American Airlines | 1:1 | Almost Instant |
| Avianca Airlines | 1:1 | Almost Instantly |
| Cathay Pacific | 1:1 | Almost Instantly |
| Choice | 1:1.5 | Almost Instantly |
| Emirates | 1:0.8 | Almost Instantly |
| Etihad | 1:1 | Almost Instantly |
| EVA Air | 1:1 | 2 days |
| Flying Blue AIR FRANCE KLM | 1:1 | Almost Instantly |
| Japan Airlines | 1:1 | Almost Instant |
| JetBlue | 1:1 | Almost Instantly |
| LHF Leaders Club | 5:1 | Almost Instantly |
| Preferred Hotels and Resorts | 1:2 | Almost Instantly |
| Qantas Airways | 1:1 | Almost Instantly |
| Qatar Airways | 1:1 | 2 days |
| Singapore Airlines | 1:1 | 2 days |
| Thai Airways | 1:1 | 4 days |
| Turkish Airlines | 1:1 | 1-2 Days |
| Virgin Atlantic | 1:1 | 2 days |
| Virgin Red | 1:1 | 2 days |
| Wyndham Rewards | 1:1 | Within 24 Hours |
Application rules
Counts toward 5/24
Opening it takes one of your Chase 5/24 slots.
Once per lifetime
You can't get this card's welcome bonus if you have or have ever had a Citi Strata Elite. Citi may also deny the bonus based on your history of opening, closing and using credit cards.
1/8 and 2/65 velocity
Citi approves at most one personal card application every 8 days and no more than two every 65 days, so space out your Citi applications.
Product changes
- Downgrade to AAdvantage Platinum Select · Cardholders report being offered American AAdvantage cards when leaving the Strata Elite. Ask Citi what happens to your ThankYou points before you switch.
- Downgrade to AAdvantage MileUp · A no-annual-fee option cardholders report being offered. Ask Citi what happens to your ThankYou points before you switch.
- Downgrade to AT&T Points Plus · Cardholders report this as a common downgrade offer. It earns ThankYou points, but they can't be transferred to airline or hotel partners from this card.
About the Citi Strata Elite
The Citi Strata Elite is a personal Mastercard card from Citi with a $595 annual fee that earns Citi ThankYou points. It earns 12x on travel booked through Citi Travel, 3x on dining and 1.5x on everything else. The current welcome offer: earn 75,000 Citi ThankYou points after you spend $6,000 in 3 months. It comes with 5 statement credits worth up to $824 a year if you use them all. Cardholders get access to Priority Pass Select and Admirals Club (passes). Points transfer to 22 airline and hotel partners, including Accor Live Limitless, AeroMexico and American Airlines. AwardHack values Citi ThankYou points at 1.9 CPP.
Frequently asked questions
What is the Citi Strata Elite annual fee?
The Citi Strata Elite has a $595 annual fee. Its statement credits add up to $824 a year if you use all of them.
What is the Citi Strata Elite welcome bonus?
Earn 75,000 Citi ThankYou points after you spend $6,000 in 3 months. AwardHack values that at about $1,425.
Does the Citi Strata Elite include airport lounge access?
Yes: Priority Pass Select and Admirals Club (passes). Priority Pass Select membership with 2 free guests per visit ($35 per extra guest); authorized users ($75/year each) get their own membership. Plus 4 Admirals Club passes each calendar year, each admitting one person.
Does the Citi Strata Elite count toward Chase 5/24?
Opening it counts as one of your 5/24 slots.
Where can I transfer Citi ThankYou points?
To 22 partners: Accor Live Limitless (2:1), AeroMexico (1:1), American Airlines (1:1), Avianca Airlines (1:1), Cathay Pacific (1:1), Choice (1:1.5), Emirates (1:0.8), Etihad (1:1), EVA Air (1:1), Flying Blue AIR FRANCE KLM (1:1), Japan Airlines (1:1), JetBlue (1:1), LHF Leaders Club (5:1), Preferred Hotels and Resorts (1:2), Qantas Airways (1:1), Qatar Airways (1:1), Singapore Airlines (1:1), Thai Airways (1:1), Turkish Airlines (1:1), Virgin Atlantic (1:1), Virgin Red (1:1) and Wyndham Rewards (1:1).
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Offers, fees and benefits change often. Check the issuer's site before you apply.