Strata Elite
Citi$595 a yearWorld Legend MastercardNo foreign transaction feeIssuer's page
Wait for a bigger offer if you can: a higher one ran recently.
Already have it? Keep it if what you use each year covers the fee.
Welcome bonus
75,000points
after $6,000 in purchases in the first 3 months
Lower than the 100,000-point offer we last recorded in February 2026.
48 Month Rule, 1 per 8 Days and 3 more. Am I eligible?
A typical spender, at Miles' point values.
| First-year value | Amount |
|---|---|
| Welcome bonus75,000 points at 1.5¢ | $1,125 |
| Rewards above a 2% no-fee cardvs Double Cash, on $32,500 typical spend | +$162 |
| Credits you'll likely useof $330 face value | +$192 |
| Annual fee | −$595 |
| Meeting the $6,000 minimumearns 2.25% here, the same as Double Cash | $0 |
| First year | $884 |
| Each year after | +$69 |
Not counted in the first year: lounge access and protections (each year after counts them).
Earning
| Rate | Category | Return |
|---|---|---|
| 6X | Dining for purchases authorized Friday 6:00 PM through Saturday 6:00 AM ET, and Saturday 6:00 PM through Sunday 6:00 AM ETCiti Nights, based on authorization time not posting time | 9% |
| 3X | Diningincluding delivery services | 4.5% |
| 6X | Air Travel booked through Citi Travel | 9% |
| 12X | Hotels booked through Citi Travel | 18% |
| 1.5X | Everything else | 2.2% |
+ 2 more rates
| Rate | Category | Return |
|---|---|---|
| 12X | Attractions booked through Citi Travel | 18% |
| 12X | Car rentals booked through Citi Travel | 18% |
Noteworthy perks
- Hotel via Citi Travel$300 a year
- Priority Pass Select
- Global Entry/TSA PreCheck$30 a year
Personal card · Earns Citi ThankYou Rewards · Authorized user fee $75
Where this card ranks
What this card returns on each page, priced against what its points are worth. Open a page to see the card it crowns and why.
Benefits
Credits & Perks (4)
- Hotel via Citi Travel: $300 (Annual Calendar Year)
$300 Annual Hotel Benefit via Citi Travel (once per calendar year, up to $300 off a hotel stay of 2+ nights, processed as discount not rebate, unused credit can be used on subsequent bookings within same calendar year).
- Blacklane: $100 (Semi Annual Calendar Year)
Statement credits for private chauffeur service bookings. Up to $100 per semi-annual period with Blacklane ($100 Jan-June, $100 July-Dec)
- Splurge: $200 (Annual Calendar Year)
Activate up to 2 merchants at a time from: 1stDibs, American Airlines, Best Buy, Future Personal Training, and Live Nation (benefit is per calendar year)
- Global Entry/TSA PreCheck: $120 (Every 4 Years)
Covers application fee. Credit applies automatically when charged to card.
Lounge Access (2)
- Priority Pass Select (Unlimited): 2 free guests, paid guests allowed
- Admirals Club (4 visits/year)
Protections (6)
- Trip Cancellation/Interruption, up to $5,000, Up to $5,000 per trip, $10,000 per account per 12 months for eligible non-refundable expenses. Must pay for trip with card.
- Trip Delay, up to $500, Up to $500 per trip for delays over 6 hours. Pay for a portion of the common carrier fare with your card to be eligible for this benefit.
- Lost Luggage, up to $3,000, Coverage for luggage and contents lost/stolen by common carrier up to $3,000 per person per trip. $2K per bag for NY residents. Pay for a portion of the common carrier fare with your card to be eligible for this benefit.
- Extended Warranty, up to $10,000, Doubles the original manufacturer's or store warranty period, up to a maximum extension of 24 months (original warranty must be 24 months or less). Up to $10,000 per claim; secondary to other insurance.
- Purchase Protection, up to $10,000, Coverage against damage or theft for up to 90 days from purchase date
- Auto Rental Collision Damage Waiver (secondary), MasterRental coverage for rental car damage or theft. Cash value of car plus up to $500 loss-of-use charges. Max 31 days. Secondary in US, primary outside country of residence.
Other Perks
- The Reserve by Citi Travel: curated luxury hotels with complimentary breakfast for two, free Wi-Fi, $100 experience credit, room upgrades, and early check-in/late checkout (subject to availability)
- Citi Entertainment presale access to exclusive events for concerts, sports, arts, and dining
- Mastercard World Legend Concierge: 24/7 personal concierge service, priority restaurant reservations, and Priceless experiences
Sources and methodology
First-year value is Miles' estimate for a typical spender: the welcome bonus at Miles' point values, plus the rewards this card earns above the best no-annual-fee card's everyday rate on a typical year of spending, plus credits at the share a typical holder uses rather than their face value, plus any certificate or free night earned in that year, minus the first-year fee and the cost of putting the minimum spend on this card instead of that one.
Lounge access, elite status, other benefits, purchase and travel protections, and a certificate or free night that arrives on the card's anniversary are listed beside the first-year figure, not in it. Each year after counts them, with the rewards and credits, less the annual fee. A credit or benefit that needs a spend or a stay counts only where its condition is printed beside it, and credits gated on spend most people never reach are left out.
The fee, offer, earning rates, credits and protections come from the card's record in the Miles dataset, kept against the issuer's own terms. The verdict line is chosen from a fixed set of sentences by Miles' analysis of the offer and the card; nothing on this page is written by hand for one card.
Recent changes
- changed from null to Strata EliteOct 8, 2026
- changed from true to falseSep 26, 2026
- changed from Slug: citi-strata-premier-card; Tier: 1; Tier name: Premier; Slug: citi-strata; Tier: 2; Tier name: Strata to (empty)Sep 26, 2026
- changed from null to 6000Aug 13, 2026
- changed from null to 90Aug 13, 2026