Citi Strata Elite Card

Citi · Personal card · Checked against Citi's terms Oct 26, 2026

The Citi Strata Elite earns 3x Citi ThankYou points at restaurants; and 1.5x Citi ThankYou points on everything else. $595 a year. earnrate counts Citi ThankYou points at 1¢ each; transferring to airlines or hotels can be worth up to about 1.9¢.

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Earning rates

12
Hotel through Citi Travel, Car rental through Citi Travel and Attraction through Citi Travel 12x Citi ThankYou points
Booked with Citi Travel at cititravel.com or 1-833-737-1288. Only the part paid with the card earns, not the part paid with points or offset by the $300 Annual Hotel Benefit.
“12 points per dollar spent on Hotels, Car Rentals, and Attractions” citi.com
6
Flight through Citi Travel 6x Citi ThankYou points
Air travel booked with Citi Travel. Flights booked directly with an airline earn the 1.5x base rate.
“6 points per dollar spent on Air Travel booked on cititravel.com” citi.com
3
Restaurants 3x Citi ThankYou points
6x during Citi Nights (purchases authorized Friday 6 PM to Saturday 6 AM ET and Saturday 6 PM to Sunday 6 AM ET); earnrate can't see the time of a purchase, so this models the 3x rate. Includes cafes, bars, lounges, fast food, takeout and restaurant delivery services. Excludes bakeries, caterers and restaurants inside another business (hotels, stores, stadiums, grocery stores, warehouse clubs).
- Not at Dodger Stadium or Bellagio
“3 points per dollar spent at Restaurants any other time” citi.com
1.5
Everything else 1.5x Citi ThankYou points
“1.5 points per dollar spent on All Other Purchases” citi.com

Public welcome offer

75,000 Citi ThankYou points after $6,000 in purchases in 3 months, per the issuer's page. Offers vary by person and by how you apply. Not available if you currently have or previously had a Citi Strata Elite account; Citi may also decline the bonus based on your history of opening, closing and using credit cards. This page doesn't state a 48-month rule.

Sources

citi.com/credit-cards/citi-strata-elite-credit-card

Rankings compare personal cards, each set up at its best for the purchase, with points at earnrate's default value. Rates change; check Citi's terms before you apply.