Strata vs Strata Elite

Economics

Annual fee

$0

$595/yr less

$595

Ongoing annual value

$299

$431

$132/yr more

Net value (value − fee)

$299

$463/yr more

−$164

First-year value estimate

$284

$899

$615/yr more

Foreign transaction fee

3%

None

Authorized user fee

$0

$75 less

$75

Sign-up Bonus

Earning

Attractions booked through Citi Travel

5X7.5%

12X18%

Car rentals booked through Citi Travel

5X7.5%

12X18%

Hotels booked through Citi Travel

5X7.5%

12X18%

Air Travel booked through Citi Travel

—

6X9%

Dining for purchases authorized Friday 6:00 PM through Saturday 6:00 AM ET, and Saturday 6:00 PM through Sunday 6:00 AM ET (Citi Nights, based on authorization time not posting time)

—

6X9%

Dining (including delivery services) outside of Citi Nights

—

3X4.5%

EV charging

3X4.5%

—

Gas Stations

3X4.5%

—

Grocery Stores

3X4.5%

—

Self-select category (Fitness Clubs, Select Streaming Services, Live Entertainment, Cosmetic Stores/Barber Shops/Hair Salons, or Pet Supply Stores)

3X4.5%

—

Transit

3X4.5%

—

Dining

2X3%

—

All other purchases

1X1.5%

1.5X2.2%

Percentages are the return on a dollar spent: the multiplier times what Miles values those points at. Categories only one card earns a bonus on are marked for that card; the other earns its base rate.

Benefits

Statement credits

• Lyft: $5 (Monthly)

• Hotel via Citi Travel: $300 (Annual Calendar Year)
• Blacklane: $100 (Semi Annual Calendar Year)
• Splurge: $200 (Annual Calendar Year)
• Global Entry/TSA PreCheck: $120 (Every 4 Years)

Lounge access

—

• Priority Pass Select (unlimited)
• Admirals Club (4/yr)

Elite status

—

—

Protections

0

6