Citi Strata Elite
The Citi Strata Elite from Citi earns up to 2.4% effective value on dining in Madeen's catalog snapshot. Its annual fee is $595. New applicants may see: Earn 100,000 bonus points after spending $6,000 in the first 3 months.. Madeen compares this card against the cards you already carry — no bank login required.
- Top category
- Dining
- Effective value
- 2.4%
- Annual fee
- $595
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Madeen compares public issuer terms with its card-rule catalog. Issuer pages control rewards, fees, benefits, exclusions, and eligibility; Madeen does not issue cards, make approval decisions, or provide financial advice.
What does the Citi Strata Elite earn in each category?
Dining is the strongest category at 2.4% effective value (3x points at about 0.8 cents each). That dining rate ranks higher than about 63% of the 1,547 cards we track in that category. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
Dining is the strongest category at 2.4% effective value (3x points at about 0.8 cents each). That dining rate ranks higher than about 63% of the 1,547 cards we track in that category.
| Category | Earn rate | Effective value |
|---|---|---|
| Dining Restaurants, cafes, takeout | 3x points | 2.4% Top category |
| Grocery Supermarkets and grocery stores | 1.5x points | 1.2% |
| Gas Gas stations and fuel | 1.5x points | 1.2% |
| Travel Flights, hotels, transit | 1.5x points | 1.2% |
| Other General everyday spend | 1.5x points | 1.2% |
Madeen values Citi ThankYou Rewards at about 0.8 cents each. Madeen compares every card using this cash-equivalent estimate while still showing the raw earn rate for context.
What are the Citi Strata Elite reward caps and conditions?
The Citi Strata Elite has 1 notable cap or condition rule(s) in Madeen's catalog, including activation windows, spend limits, and category exclusions. Review each bullet below before assuming unlimited earn rates. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
- 3 points per dollar spent at Restaurants any other time
Who should get the Citi Strata Elite?
The Citi Strata Elite fits spenders who put meaningful volume in dining and can earn 3x points. Best for spenders who put meaningful volume in dining and can earn 3x points. The welcome bonus can help if you can meet the spend requirement. Travel perks may add value beyond the earn rate.
Citi Strata Elite fits spenders who put meaningful volume in dining and can earn 3x points. Madeen ranks its dining effective rate higher than about 63% of the catalog in that category. Compare it against cards you already carry with Madeen — no bank login required.
Best for spenders who put meaningful volume in dining and can earn 3x points. The welcome bonus can help if you can meet the spend requirement. Travel perks may add value beyond the earn rate.
Compare it against simpler no-fee cards if you want minimum complexity.
Best for dining-heavy spend when the $595 fee fits your usage; confirm issuer terms before applying. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
Pros
- Strongest Madeen category is dining at about 2.4% effective (3x points).
- No foreign transaction fee listed.
- Welcome bonus may add value if you can meet spend requirements.
- Includes travel or statement credits in our benefits snapshot.
Cons
- $595 annual fee requires enough spend in bonus categories to offset.
- Citi ThankYou Rewards value depends on how you redeem, not straight cash back.
Does the Citi Strata Elite have an annual fee, and what's the welcome bonus?
The Citi Strata Elite has an annual fee of $595 and a foreign transaction fee of None. New applicants may see: Earn 100,000 bonus points after spending $6,000 in the first 3 months.. Confirm current issuer terms before applying. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
- Annual fee
- $595
- Foreign transaction fee
- None
- Signup bonus
- Earn 100,000 bonus points after spending $6,000 in the first 3 months.
What travel perks does the Citi Strata Elite include?
The Citi Strata Elite includes Trusted traveler credit, Lounge access, Access FICO® Score, American Airlines Admirals Club® Lounge Access Passes and more in our snapshot. Perks and benefits can change; verify coverage on the issuer site before you rely on them.
- Trusted traveler credit$120 Global Entry® or TSA PreCheck® Application Fee Credit
- Lounge accessPriority Pass™ Select membership | American Airlines Admirals Club® Lounge Access Passes
What benefits come with the Citi Strata Elite?
- Access FICO® Score
Get free access to your FICO® Score online to review your credit history
- American Airlines Admirals Club® Lounge Access Passes
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
- Citi Entertainment®
Citi Entertainment® is an entertainment access program available to eligible Citi® credit card and Citibank® Debit Card customers. Citi cardmembers get special access to purchase tickets to thousands of events, including presale tickets and exclusive experiences to the year's most anticipated concerts, sporting events, arts and culture experiences
- Citi Travel®
With Citi Travel®, you can book flights, hotels, car rentals and attractions using your eligible Citi card, points or a combination of both. Citi Travel offers access to over 1.4 million hotels and resorts available worldwide.
- Citigold® Private Client Relationship Credit
Qualifying Citigold Private Clients receive a $595 first year banking relationship credit and a $145 credit each year thereafter if the primary cardmember has an open and current Strata EliteSM Card account with an assessed Annual Membership Fee of $595
- Citigold® Relationship Credit
Qualifying Citigold clients receive a $145 Banking Relationship Annual Credit if the primary cardmember has an open and current Strata Elite? Card account with an assessed Annual Membership Fee of $595
- Death & Co®
Enjoy bespoke content and tutorials from Death & Co®, one of the most influential cocktail institutions of the modern era. With access to their online learning platform, Fashioned, Citi Strata Elite? cardholders can learn everything about cocktails, from drink-making fundamentals to advanced techniques. Complimentary access is granted by enrolling with a Citi Strata Elite? Card. For Adults 21+
- Global emergency servicesIncluded with World Elite Mastercard®
Call 1-800-MASTERCARD (1-800-627-8372) for 24/7 assistance to report a lost or stolen card.
Common questions about the Citi Strata Elite
Does the Citi Strata Elite have an annual fee?
The Citi Strata Elite carries an annual fee of $595 in Madeen's catalog snapshot. Issuer terms can change, so confirm the current fee on the issuer's site before you apply. Madeen does not predict approval or prequalification. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
What category earns the most with the Citi Strata Elite?
Dining is the strongest Madeen category for the Citi Strata Elite at about 2.4% effective value, based on our catalog snapshot and standard point valuations. Other categories are listed in the effective-rate table on this page. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
Does the Citi Strata Elite charge foreign transaction fees?
The Citi Strata Elite does not charge a foreign transaction fee in Madeen's catalog snapshot, which can make it stronger for purchases outside the U.S. Issuer terms still control international acceptance and other fees. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
What is the Citi Strata Elite welcome bonus?
The Citi Strata Elite welcome offer in our snapshot: Earn 100,000 bonus points after spending $6,000 in the first 3 months.. Minimum spend, eligibility, and offer windows are set by the issuer and can change. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
Is the Citi Strata Elite annual fee worth it?
Whether the $595 annual fee pays off depends on how much you spend in dining and whether you use the card's benefits. Madeen compares effective rates across the cards you already carry without bank login. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
What credit score do you need for the Citi Strata Elite?
Madeen's catalog lists a typical credit range of Good to Excellent for the Citi Strata Elite. Issuers decide approval using their own criteria; Madeen does not predict approval odds or prequalification. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
How does the Citi Strata Elite compare to similar cards?
Compare the Citi Strata Elite against Citi Custom Cash℠ (4% on Dining, $0 fee); Citi Forward (4% on Dining, $0 fee); Citi Prestige (4% on Dining, $495 fee). Madeen ranks effective value by category and annual fee using the same catalog snapshot dated 2026-05-01.
| Card | Top category | Effective value | Annual fee |
|---|---|---|---|
Citi Strata Elite This card | Dining | 2.4% | $595 |
| Dining | 4% | $0 | |
Citi | Dining | 4% | $0 |
Citi | Dining | 4% | $495 |
| Dining | 3% | $99 |
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