12×points per dollar
Hotels (CitiTravel.com)
12× on hotels (cititravel.com), the issuer's published rate for the category.
What the Citi Strata Elite pays for.
Every perk, coverage and status this card carries, at the issuer's face value.
Browse all cards
Face value of perks
$1,585
6 credits across 2 categories
Annual fee
$595
Charged once a year
Top earn rate
12× points
Hotels (CitiTravel.com) and attractions (CitiTravel.com)
Discovery begins here
What every dollar returns, by where you spend it. Four categories earn extra on this card; everything else earns the base rate.
12×points per dollar
Attractions (CitiTravel.com)
12× on attractions (cititravel.com), the issuer's published rate for the category.
6×points per dollar
Air Travel (CitiTravel.com)
6× on air travel (cititravel.com), the issuer's published rate for the category.
3×points per dollar
Dining
3× on dining, the issuer's published rate for the category.
1.5×points per dollar
Everything else
The base rate on all other eligible purchases.
Multipliers are points per dollar, before any transfer or redemption value.
Everything that can be found
Every perk this card carries, grouped by what it pays for, at the issuer's published face value. What you actually keep depends on whether you use them.
Travel
$300 · 1 perk
Hotel benefit credit
$300Up to $300 off a hotel stay of 2 nights or more when you book through cititravel.com
Access
$1,285 · 5 perks
Citigold Private Client Relationship Credit (first year)
$595Qualifying Citigold Private Clients with open Strata Elite account; first year only (official terms)
Blacklane credit
$200Earn up to $200 in statement credits when you book with Blacklane.
Splurge credit
$200On 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)
Citigold Private Client Relationship Credit (annual)
$145Qualifying Citigold Private Clients with open Strata Elite account; each year after first (official terms)
Citigold Relationship Credit
$145Qualifying Citigold clients with open Strata Elite account (official terms)
6 credits, $1,585 at face value. Figures come from our card database, checked against the issuer's terms. Report a mismatch
See what it would really cost you
Face value is the issuer's best case. Pick the credits you'd use and Which Card works out your effective annual fee, against any other card.
Coverages
Protections that come with the card and cost nothing extra. They have real value and no published price, so they are never counted into the figures above.
Travel & emergency assistance
Call 1-800-MASTERCARD (1-800-627-8372) for 24/7 assistance to report a lost or stolen card.
ID theft protection
Monitor your credit file for fraud, get alerts for suspicious activity and access a resolution specialist.
Elite status
Access and standing granted by holding the card. Some need a one-time sign-up with the issuer before they are live on your account.
Airport lounge access
Every 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
Global Entry / TSA PreCheck credit
Receive a statement credit, up to $120 every four years, as reimbursement for your application fee for Global Entry® or TSA PreCheck®
Hotel fhr credit
Comes with the card.
Mastercard Golf
Get exclusive PGA TOUR® experiences and access amazing golf benefits with our Golf Concierge Service.
Priority Pass™ Select membership
Enjoy complimentary access to 1,500+ airport lounges worldwide. Annual membership fee valued at $469
Protection wherever you shop
With Mastercard Zero Liability protection you’re protected against unauthorized transactions in stores, online and in app.
Travel and Shopping Protection
Help stay protected with travel insurances, including Trip Delay Protection, Enhanced Trip Cancellation and Trip Interruption Protection, Lost or Damaged Luggage, MasterRental Coverage (car rental insurance), and Extended Warranty and Purchase Assurance Plus.
Travel protection
Lost or Damaged Luggage
Start earning immediately
We'll build your wallet dashboard instantly, with every reset deadline and a note on any credit that needs a sign-up first, so you can begin earning from day one.
