Citi Strata Elite
Citi and related product names are trademarks of their respective owners. Madeen is not affiliated with, sponsored by, endorsed by, or acting on behalf of Citi. Madeen is an independent credit-card comparison and education service. Issuer websites control current terms, fees, and eligibility.
How we calculate effective rate →
The Citi Strata Elite from Citi earns up to 2.4% effective value on dining in Madeen's catalog snapshot. Its annual fee is $595. New applicants may see: Earn 100,000 bonus points after spending $6,000 in the first 3 months..
- Top category
- Dining
- Effective value
- 2.4%
- Annual fee
- $595
Best for dining-heavy spend when the $595 fee fits your usage; confirm issuer terms before applying. Best for spenders who put meaningful volume in dining and can earn 3x points. The welcome bonus can help if you can meet the spend requirement. Travel perks may add value beyond the earn rate.
What does the Citi Strata Elite earn in each category?
Dining is the strongest category at 2.4% effective value (3x points at about 0.8 cents each). That dining rate ranks higher than about 80% of the 2,850 cards we track in that category. The five-category effective-rate table on this page shows how Citi Strata Elite compares across dining, grocery, gas, travel, and other spend. Catalog spend signals highlight coffee at.
Dining is the strongest category at 2.4% effective value (3x points at about 0.8 cents each). That dining rate ranks higher than about 80% of the 2,850 cards we track in that category. The five-category effective-rate table on this page shows how Citi Strata Elite compares across dining, grocery, gas, travel, and other spend.
| Category | Earn rate | Effective value |
|---|---|---|
| Dining Restaurants, cafes, takeout | 3x points | 2.4% Top category |
| Grocery Supermarkets and grocery stores | 1.5x points | 1.2% |
| Gas Gas stations and fuel | 1.5x points | 1.2% |
| Travel Flights, hotels, transit | 1.5x points | 1.2% |
| Other General everyday spend | 1.5x points | 1.2% |
Madeen values Citi ThankYou Rewards at about 0.8 cents each. Madeen compares every card using this cash-equivalent estimate while still showing the raw earn rate for context.
What are the Citi Strata Elite reward caps and conditions?
The Citi Strata Elite has 1 notable cap or condition rule(s) in Madeen's catalog, including activation windows, spend limits, and category exclusions. Review each bullet below before assuming unlimited earn rates.
- 3 points per dollar spent at Restaurants any other time
Who should get the Citi Strata Elite?
The Citi Strata Elite fits spenders who put meaningful volume in dining and can earn 3x points. Best for spenders who put meaningful volume in dining and can earn 3x points. The welcome bonus can help if you can meet the spend requirement. Travel perks may add value beyond the earn rate.
Citi Strata Elite fits spenders who put meaningful volume in dining and can earn 3x points. Madeen ranks its dining effective rate higher than about 80% of the catalog in that category. Compare it against cards you already carry with Madeen — no bank login required.
Best for spenders who put meaningful volume in dining and can earn 3x points. The welcome bonus can help if you can meet the spend requirement. Travel perks may add value beyond the earn rate.
Compare it against simpler no-fee cards if you want minimum complexity.
Best for dining-heavy spend when the $595 fee fits your usage; confirm issuer terms before applying.
Pros
- Strongest Madeen category is dining at about 2.4% effective (3x points).
- That dining rate ranks higher than about 80% of cards we track in the category.
- No foreign transaction fee listed.
- Welcome bonus may add value if you can meet spend requirements.
Cons
- $595 annual fee requires enough spend in bonus categories to offset.
- Citi ThankYou Rewards value depends on how you redeem, not straight cash back.
What is the Citi Strata Elite welcome bonus?
In Madeen's catalog snapshot, the Citi Strata Elite welcome offer is Earn 100,000 bonus points after spending $6,000 in the first 3 months.. Minimum spend, eligibility, and offer windows are set by the issuer and can change — confirm on the issuer application page before applying.
- Offer
- 100k Citi ThankYou Rewards (~$800 estimated)
- Terms (catalog snapshot)
- Earn 100,000 bonus points after spending $6,000 in the first 3 months.
- Minimum spend
- $6,000
- Window
- 3Months
Does the Citi Strata Elite have an annual fee?
The Citi Strata Elite has an annual fee of $595 and a foreign transaction fee of None. Confirm current fees on the issuer page before applying.
- Annual fee
- $595
- Foreign transaction fee
- None
Credit card APR ranges
Madeen matches this card to the CFPB Terms of Credit Card Plans survey for reference only. Always confirm the live issuer application and account terms before you apply.
| APR type | Range | Credit tier |
|---|---|---|
| Purchase APR | Not offered | Fixed rate shown in survey |
| Intro APR | Not offered | Fixed rate shown in survey |
| Balance transfer APR | Not offered | Fixed rate shown in survey |
| Cash advance APR | Not offered | Fixed rate shown in survey |
- Grace period:Not disclosed
- Minimum finance charge:Not disclosed
- Survey source: CFPB TCCP workbook
- APR by issuer
- APR ranges explainer
What travel perks does the Citi Strata Elite include?
The Citi Strata Elite includes Trusted traveler credit, Lounge access, Access FICO® Score, American Airlines Admirals Club® Lounge Access Passes and more in our snapshot. Perks and benefits can change; verify coverage on the issuer site before you rely on them.
Trusted traveler credit
$120 Global Entry® or TSA PreCheck® Application Fee Credit
Lounge access
Priority Pass™ Select membership | American Airlines Admirals Club® Lounge Access Passes
What benefits come with the Citi Strata Elite?
Lyft
$1,440/yrMore rides means more adventure. Take three rides in a month with Lyft to earn a $5 credit.3* Plus, save 10% on all scheduled rides to or from U.S. airports when you pay with your World Elite or World Legend Mastercard. Offer expires 1/31/2027.
Citigold® Private Client Relationship Credit
$595/yrQualifying 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 $595
Citigold® Relationship Credit
$595/yrQualifying 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 $595
Up to $300 Annual Hotel Benefit
$300/yrEach calendar year, enjoy up to $300 off a hotel stay of 2 nights or more when booked through cititravel.com
Up to $200 Annual Blacklane® Credit
$200/yrEvery 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.
Up to $200 Annual Splurge Credit
$200/yrEvery 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).
Mastercard Transit Benefit
$200/yrSave when you tap and go with your eligible Mastercard and receive a $2.50 statement credit when you spend $10 or more each month at participating transit systems.
World Elite Concierge
$150/yrComplimentary 24/7 concierge agent for lifestyle needs, travel bookings and event access.
Instacart
$140/yrGroceries and more delivered in as fast as one hour. Get $10 off your second order each month, and new Instacart+ members can also get three free months of Instacart+. Offer expires 1/31/2027.
Up to $120 Global Entry® or TSA PreCheck® Application Fee Credit
$120/yrReceive a statement credit, up to $120 every four years, as reimbursement for your application fee for Global Entry® or TSA PreCheck®
The Reserve by Citi Travel®
$100/yrA collection of participating hotels on cititravel.com offering on-property benefits including daily, complimentary breakfast for two, free Wi-Fi, a $100 experience credit (varies by property). Other benefits, subject to availability, include early check-in, late check-out and room upgrades. Select a Reserve Hotel rate at checkout to receive the benefits.
American Airlines Admirals Club® Lounge Access Passes
$99/yrEvery 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
Related encyclopedia topics
Common questions about the Citi Strata Elite
Where do cardholders spend most with the Citi Strata Elite?
Madeen's RewardsCC catalog snapshot shows the strongest bonus categories on coffee (3x), fast food (3x), other food and drink (3x) for the Citi Strata Elite. These are anonymized issuer category signals, not individual cardholder transactions. Route everyday spend through categories that match your habits, then compare effective rates with Madeen at checkout.
Is Citi Strata Elite card worth it?
The Citi Strata Elite from Citi earns up to 2.4% effective value on dining in Madeen's catalog snapshot. Its annual fee is $595. New applicants may see: Earn 100,000 bonus points after spending $6,000 in the first 3 months..
Does the Citi Strata Elite have an annual fee?
The Citi Strata Elite carries an annual fee of $595 in Madeen's catalog snapshot. Issuer terms can change, so confirm the current fee on the issuer's site before you apply. Madeen does not predict approval or prequalification.
What category earns the most with the Citi Strata Elite?
Dining is the strongest Madeen category for the Citi Strata Elite at about 2.4% effective value, based on our catalog snapshot and standard point valuations. Other categories are listed in the effective-rate table on this page.
Does the Citi Strata Elite charge foreign transaction fees?
The Citi Strata Elite does not charge a foreign transaction fee in Madeen's catalog snapshot, which can make it stronger for purchases outside the U.S. Issuer terms still control international acceptance and other fees.
What is the Citi Strata Elite welcome bonus?
The Citi Strata Elite welcome offer in our snapshot: Earn 100,000 bonus points after spending $6,000 in the first 3 months.. Minimum spend, eligibility, and offer windows are set by the issuer and can change.
How does the Citi Strata Elite compare to similar cards?
Compare the Citi Strata Elite against Citi Custom Cash℠ (5% on Dining, $0 fee); Citi Forward (4% on Dining, $0 fee); Citi Prestige (4% on Dining, $495 fee). Madeen ranks effective value by category and annual fee using the same catalog snapshot dated 2026-05-01.
| Card | Top category | Effective value | Annual fee |
|---|---|---|---|
Citi Strata Elite This card | Dining | 2.4% | $595 |
| Dining | 5% | $0 | |
Citi | Dining | 4% | $0 |
Citi | Dining | 4% | $495 |
| Dining | 3% | $99 |
Side-by-side comparisons
Store-specific guides
Madeen publishes merchant guides that rank cards for specific stores and services. Browse guides for dining spend to see which cards win at checkout.
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See how this card ranks in your wallet
Madeen compares the cards you already carry for dining, groceries, gas, travel, and everyday purchases — free, no bank login required.
Citi and related product names are trademarks of their respective owners. Madeen is not affiliated with, sponsored by, endorsed by, or acting on behalf of Citi. Madeen is an independent credit-card comparison and education service. Issuer websites control current terms, fees, and eligibility.
Madeen compares cards you add to your wallet using published catalog rules — no bank login required. Issuer pages control current fees, caps, exclusions, and eligibility; Madeen does not issue cards, make approval decisions, or provide financial advice. Apply links are temporarily hidden on madeen.app. Affiliate disclosure