# Citi Strata Elite℠ Card

> Earn up to 12x on hotels and 12x on travel. $820+ in statement credits per year. $595 annual fee.

Canonical page: https://cardstack.money/cards/citi-strata-elite-card
Markdown mirror for AI agents and LLMs. Full index: https://cardstack.money/llms.txt

## At a glance

- Issuer: Citi
- Network: Mastercard
- Annual fee: $595
- Rewards program: ThankYou Rewards (https://cardstack.money/programs/thankyou-rewards.md)
- Total statement credits value: $820 per year
- Net value after annual fee: +$225 per year (credits value minus fee)
- Welcome offer: 75,000 ThankYou points after you spend $6,000 in the first 3 months.

## Earning rates

| Rate | Category | Notes |
| --- | --- | --- |
| 12x | Hotels | Travel Portal Only |
| 6x | Flights | Travel Portal Only |
| 3x | Dining |  |
| 12x | Travel | Travel Portal Only |
| 1.5x | All other purchases | Base earn rate |

## Statement credits

### Annual Hotel Benefit - $300/yr ($300 annual)

Up to $300 off a hotel stay of 2 nights or more when booked through cititravel.com each calendar year.

- Resets: Calendar year
- Where to redeem: Hotel stay of 2+ nights booked through cititravel.com
- Details: https://cardstack.money/benefits/citi-strata-elite-card-annual-hotel-benefit.md

### Annual Splurge Credit - $200/yr ($200 annual)

Up to $200 in statement credits each calendar year on your choice of up to 2 of: 1stDibs, American Airlines (exclusions apply), Best Buy, Future Personal Training, Live Nation (exclusions apply).

- Resets: Calendar year
- Enrollment required: yes
- Where to redeem: Choose up to 2 of: 1stDibs, American Airlines, Best Buy, Future Personal Training, Live Nation
- Details: https://cardstack.money/benefits/citi-strata-elite-card-annual-splurge-credit.md

### Blacklane Credit - $200/yr ($100 semi-annual)

Up to $200 in statement credits each calendar year on Blacklane premium chauffeur service: up to $100 January–June and up to $100 July–December.

- Resets: Semiannual (Jan–Jun / Jul–Dec)
- Where to redeem: Blacklane premium chauffeur service
- Details: https://cardstack.money/benefits/citi-strata-elite-card-blacklane-credit.md

### TSA PreCheck/Global Entry - $120/yr ($120 every 4 years)

Up to $120 statement credit every 4 years for Global Entry or TSA PreCheck application fee.

- Resets: Every 4 years
- Where to redeem: Application fee for Global Entry or TSA PreCheck
- Details: https://cardstack.money/benefits/citi-strata-elite-card-tsa-precheckglobal-entry.md

## Featured benefits

- **Admirals Club Passes** (4 annual lounge passes): Four Admirals Club passes per calendar year deposited in your AAdvantage account; each pass covers one adult (up to three children under 18) for 24 hours on same-day American, oneworld, or Alaska Airlines flights. Unused passes expire Dec 31.
- **Priority Pass Select Membership** ($469 membership value): Complimentary Priority Pass Select membership for primary and authorized users with access to 1,500+ airport lounges; up to two complimentary guests per visit. Lounges only (no Priority Pass restaurants); enrollment required.

## Other benefits

- **Earn rule**: 12x applies only to Hotels, Car Rentals, and Attractions booked on cititravel.com. (Attractions is not modeled as a distinct structured category — covered by the travel 12x portal-only bonus + this caveat.)
- **Earn rule**: Citi Nights℠ — Restaurant purchases earn 6x ThankYou points only on Friday and Saturday from 6 PM to 6 AM ET; restaurants at all other times earn the 3x base dining rate. (Schema-limited: dining is structured at 3x; the 6x Citi Nights bonus is not modeled as a structured category.)
- **Citi Travel**: Use ThankYou points to book flights, hotels, car rentals, and attractions through cititravel.com.
- **ThankYou Points Transfer**: Transfer points to airline and hotel partners including American Airlines, JetBlue, Virgin Atlantic, Cathay Pacific, EVA Air, Choice Hotels, and The Leading Hotels of the World.
- **Shop with Points**: Redeem ThankYou points at participating merchants like Amazon, PayPal, and CVS.
- **The Reserve by Citi Travel**: Hotel collection on cititravel.com with on-property benefits including daily complimentary breakfast for two, free Wi-Fi, a $100 experience credit (varies by property), and (subject to availability) early check-in, late check-out, and room upgrades.
- **The Supper Club & Death & Co (Dining Access)**: Eligible cardmembers can purchase tickets to The Supper Club events in major U.S. cities and access Death & Co’s online cocktail-education platform Fashioned. Adults 21+.
- **Citi Entertainment**: Special access to presales and exclusive experiences for thousands of concerts, sporting events, and arts and culture experiences.
- **Citigold Relationship Credit**: Qualifying Citigold clients receive a $145 banking-relationship annual credit while the primary cardmember holds an active Strata Elite Card with the $595 annual fee assessed.
- **Citigold Private Client Relationship Credit**: Qualifying Citigold Private Clients receive a $595 first-year banking-relationship credit and $145 each year thereafter while the primary cardmember holds an active Strata Elite Card with the $595 annual fee assessed.
- **Travel & Shopping Protection**: Includes Trip Delay Protection, Enhanced Trip Cancellation and Trip Interruption Protection, Lost or Damaged Luggage, MasterRental Coverage (car rental insurance), Extended Warranty, and Purchase Assurance Plus.
- **No Foreign Transaction Fees**: No foreign transaction fee on purchases processed outside the U.S.


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CardStack automatically tracks the Citi Strata Elite Card's $820 in statement credits and reminds you before each one resets, so you use every dollar you paid for. Website: https://cardstack.money - App Store: https://apps.apple.com/app/apple-store/id6759270863