Citi Strata Elite
Rewards
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3X
3X
3X
1X
Not Included
Why we choose it
The Citi Strata Elite_ Card delivers exceptional value for frequent travelers willing to pay a premium annual fee. With nearly $1,500 in potential annual benefits including a $300 hotel credit, $200 Splurge credit, and $200 Blacklane credit, plus 4 American Airlines Admirals Club passes, the card can easily justify its $595 cost. The unique "Citi Nights" feature earning 6X points at restaurants on weekend evenings sets it apart from competitors. However, the highest earning rates require booking through Citi Travel, which may limit flexibility for some travelers. Best suited for those who can maximize the annual credits and appreciate the American Airlines partnership benefits.
Details
Pros
- Up To $700 In Easy-To-Use Annual Credits
- Four Annual American Airlines Admirals Club Passes
- Priority Pass Select Membership
- Unique 6X Dining Rewards During Weekend Citi Nights
- Strong Transfer Partner Lineup
Cons
- High $595 Annual Fee Requires Active Benefit Usage
- Highest Earning Rates Locked To Citi Travel Portal
- Limited Dining Bonus To Weekend Timeframe
- Some Reports Of Account Verification Issues
Launched in July 2025, the Citi Strata Elite_ Card is Citi's premium travel credit card designed to compete directly with the Chase Sapphire Reserve and American Express Platinum Card. The card emphasizes American Airlines partnership benefits and unique dining rewards during weekend "Citi Nights." With up to $700 in annual statement credits and access to both Priority Pass lounges and AA Admirals Clubs, it targets affluent travelers who value luxury perks and flexible points that transfer to 21+ airline and hotel partners. The card is part of Citi's expanded ThankYou ecosystem and represents the issuer's renewed focus on the premium travel card market.
Quick guides
Rewards
3X
3X
1X
Rewards
Pros
- Up To $700 In Easy-To-Use Annual Credits
- Four Annual American Airlines Admirals Club Passes
- Priority Pass Select Membership
- Unique 6X Dining Rewards During Weekend Citi Nights
- Strong Transfer Partner Lineup
Cons
- High $595 Annual Fee Requires Active Benefit Usage
- Highest Earning Rates Locked To Citi Travel Portal
- Limited Dining Bonus To Weekend Timeframe
- Some Reports Of Account Verification Issues
Launched in July 2025, the Citi Strata Elite_ Card is Citi's premium travel credit card designed to compete directly with the Chase Sapphire Reserve and American Express Platinum Card. The card emphasizes American Airlines partnership benefits and unique dining rewards during weekend "Citi Nights." With up to $700 in annual statement credits and access to both Priority Pass lounges and AA Admirals Clubs, it targets affluent travelers who value luxury perks and flexible points that transfer to 21+ airline and hotel partners. The card is part of Citi's expanded ThankYou ecosystem and represents the issuer's renewed focus on the premium travel card market.
