Citi Strata Elite℠ Card
The Citi Strata Elite℠ Card earns up to 12x on hotels and car rentals booked through Citi Travel and 6x on air travel, with premium travel benefits, with a $595 annual fee, plus 75,000 bonus points for new cardholders. Its regular APR is 20.49%–28.49% variable. Rates and terms come from NerdWallet, our verified data partner with direct issuer relationships.
Is the Citi Strata Elite℠ Card worth it?
The Citi Strata Elite℠ Card earns up to 12x on hotels and car rentals booked through Citi Travel and 6x on air travel, with premium travel benefits. We source these rewards and terms from NerdWallet, our verified data partner with direct issuer relationships. These figures carry our ◆ Partner data label — we did not pull them from the issuer ourselves.
The card has a $595 annual fee, plus 75,000 bonus points for new cardholders. Its regular APR is 20.49%–28.49% variable.
The honest caveats: rewards, fees, and APR are partner-supplied and can change, and any regular APR is variable. A card like this only pays off if you pay the balance in full and the rewards or terms fit your situation. Confirm current details on the issuer’s own site. This is not financial advice.
How does a rewards credit card work?
A rewards credit card earns a percentage back on what you spend, which the issuer credits as cash back, points, or miles. You pay no interest if you clear the statement balance each month; carry a balance and the variable APR applies. The card reports your payment history to the credit bureaus.
What does the Citi Strata Elite℠ Card cost if you carry a balance?
Carrying a $1,000 balance at the 20.49% minimum APR costs roughly $205 a year in interest. That is why a rewards card only pays off if you clear the statement balance every month — interest at this rate quickly outruns any rewards.
Illustrative estimate based on the figures on this page, not an offer. Your results will differ.
What are the pros and cons of the Citi Strata Elite℠ Card?
The Citi Strata Elite℠ Card stands out for earns up to 12x on hotels and car rentals booked through Citi Travel and 6x on air travel, with premium travel benefits, though rates and terms are partner-supplied — not fetched from the issuer ourselves.
- Earns up to 12x on hotels and car rentals booked through Citi Travel and 6x on air travel, with premium travel benefits
- A $595 annual fee
- Terms supplied by our verified data partner
- Rates and terms are partner-supplied — not fetched from the issuer ourselves
- Regular APR is 20.49%–28.49% variable
- Rewards or perks pay off only if they fit how you actually spend
Who should get the Citi Strata Elite℠ Card?
The Citi Strata Elite℠ Card is best for people shopping for a travel card.
- People shopping for a travel card
- Anyone comparing options from major issuers
- Cardholders who value a sign-up bonus
How does the Citi Strata Elite℠ Card compare?
Among the 25 travel rewards credit cards we track, the Citi Strata Elite℠ Card ranks #18 with a money8020 score of 77/100.
| Product | Score | Tier | Provider |
|---|---|---|---|
| Citi Strata Premier® Card | 90 | Essential | Citibank |
| American Express® Gold Card | 89 | Essential | American Express |
| Chase Sapphire Reserve® | 89 | Essential | JPMorgan Chase |
| The Platinum Card® from American Express | 89 | Essential | American Express |
| Capital One Venture Rewards | 89 | Essential | Capital One |
See all travel rewards credit cards, ranked →
Common mistakes to avoid with a rewards credit card
- Carrying a balance — interest at the regular APR quickly erases any rewards.
- Chasing a sign-up bonus with spending you cannot pay off in full.
- Missing the intro-APR deadline and getting hit with the full variable rate.
- Overlooking an annual fee that outweighs the rewards for your spending.
Key takeaways
- Citi Strata Elite℠ Card earns a money8020 score of 77/100, ranking #18 of 25 travel rewards credit cards.
- Earns up to 12x on hotels and car rentals booked through Citi Travel and 6x on air travel, with premium travel benefits
- Carrying a $1,000 balance at the 20.49% minimum APR costs roughly $205 a year in interest.
- Best for people shopping for a travel card.
- Rate and terms sourced from our verified data partner, NerdWallet.
Frequently asked questions about the Citi Strata Elite℠ Card
Does the Citi Strata Elite℠ Card have an annual fee?
Per NerdWallet, our data partner, the card has a $595 annual fee. Its regular APR is 20.49%–28.49% variable (as of 05/30/2026). Terms can change — confirm current details on the issuer's site. This is not financial advice.
What stands out about the Citi Strata Elite℠ Card?
Per NerdWallet, it earns up to 12x on hotels and car rentals booked through Citi Travel and 6x on air travel, with premium travel benefits. Confirm current terms with the issuer before applying.
Will applying for the Citi Strata Elite℠ Card hurt my credit score?
Applying triggers a hard inquiry, which can dip your score a few points temporarily. Used responsibly — paying on time and keeping balances low — the card builds your credit over time.
Do the rewards on the Citi Strata Elite℠ Card expire?
On most cards, rewards do not expire while the account is open and in good standing, though terms vary. Redeem regularly and check the issuer's rewards policy.
Sources
We sourced these figures from our verified data partner and independently confirmed the provider’s regulator status, last checked May 30, 2026. Primary sources: