Citi Strata Elite® - Travel Credit Card
$595 a year. Purchase APR 20.74–28.74%, variable.
- Annual fee
- CFPB credit card surveyReported to the CFPB, Dec 31, 2025
“Annual fee - $595 .”
- Purchase APR
- Issuer's pageciti.com
The source states this figure; we have no exact sentence on file yet.
- Foreign transaction fee
- Issuer's pageciti.com
“No foreign transaction fees 1”
We don't earn anything from this link. Select any underlined figure to see where it comes from.
What it's worth
| Spending | First year | After |
|---|---|---|
| Light spender | −$395 | −$395 |
| Typical spender | −$90 | −$90 |
| Heavy spender | $505 | $505 |
The spending each assumes, a month
- Light spender: groceries $300, dining $100, gas $100, everything else $500
- Typical spender: groceries $600, dining $300, gas $200, travel $150, everything else $1,250
- Heavy spender: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500
Assumed: not counted: 12x Attractions booked on cititravel.com; not counted: 6x Restaurants on Citi Nights purchases, Friday and Saturday from 6 PM - 6 AM ET; points valued at an assumed 1¢; not counted: 12x Hotels booked on cititravel.com; not counted: 6x Air Travel booked on cititravel.com.
Estimates from the published terms above, as checked Oct 4, 2026; not advice. How we value cards
How it compares
- Lower top APR than about 25% of the 577 cards we track.
Shares rounded to 5 points. Fees and APRs as stated; value for our typical spender. Method
How you earn · ThankYou Rewards
- 12× pointsHotels booked on cititravel.com
- 12× pointsCar Rentals booked on cititravel.com
- 12× pointsAttractions booked on cititravel.com
- 6× pointsAir Travel booked on cititravel.com
- 6× pointsRestaurants on Citi Nights purchases, Friday and Saturday from 6 PM - 6 AM ET
- 3× pointsRestaurants any other time
- 1.5× pointsEverything else
Rates and fees
| Annual fee | CFPB credit card surveyReported to the CFPB, Dec 31, 2025 “Annual fee - $595 .” |
|---|---|
| Purchase APR | Issuer's pageciti.com The source states this figure; we have no exact sentence on file yet. |
| Balance transfer APR | Issuer's pageciti.com The source states this figure; we have no exact sentence on file yet. |
| Balance transfer fee | Issuer's pageciti.com The source states this figure; we have no exact sentence on file yet. |
| Cash advance APR | Issuer's pageciti.com The source states this figure; we have no exact sentence on file yet. |
| Cash advance fee | Issuer's pageciti.com “Cash advance fee - either $ 10 or 5 % of the amount of each cash advance, whichever is greater.” |
| Penalty APR | Issuer's pageciti.com The source states this figure; we have no exact sentence on file yet. |
| Foreign transactions | Issuer's pageciti.com “No foreign transaction fees 1” |
| Minimum interest charge | Issuer's pageciti.com “Minimum interest charge – $ 0.50 .” |
Carrying a balance? See how long it takes to pay off
Benefits
- Annual Hotel Benefit: $300 annual
- Splurge Credit: $200 annual
- Blacklane Credit: $100 semiannual
- Global Entry or TSA PreCheck Application Fee Credit: $120 every 4 years
- Citigold Banking Relationship Annual Credit: $145 annual
- Citigold Private Client first-year banking relationship credit: $595 one time
- Citigold Private Client banking relationship credit thereafter: $145 annual
- Up to $120 every four years for Global Entry or TSA PreCheck application fees
- Complimentary Priority Pass Select membership with access to 1,500+ airport lounges worldwide
- Four Admirals Club Citi Strata Elite Passes every calendar year for access to nearly 50 Admirals Club lounges
- Annual Hotel Benefit: up to $300 off a single hotel stay of 2 nights or more booked through cititravel.com
- Citi Travel offers access to over 1.4 million hotels and resorts worldwide
- No foreign transaction fees
- Citi Entertainment special access to presale tickets and exclusive experiences
- Citi Flex Pay available on eligible purchases of $75 or more
- Free access to FICO Score online
- Digital wallet support
- Citi Quick Lock
- Automatic account alerts
- Choice of payment due date
- 24/7 customer service
- Trip delay
- Trip cancellation
- Baggage
- Rental car
- Extended warranty
- Purchase protection
Questions
- What is the annual fee?
- $595 Reported to the CFPB, Dec 31, 2025, since Sep 29, 2026
- Does it charge a foreign transaction fee?
- No. citi.com, since Sep 29, 2026
- What is the purchase APR?
- 20.74–28.74% APR citi.com, since Oct 3, 2026
Other points cards with fees over $300
- The American Express GoldAmerican Express · $325 a year+$390 a year
- Bilt PalladiumBilt · $495 a year+$305 a year
- Business GoldAmerican Express · $325 a year+$195 a year
Against this card, for our typical spender's value (rewards and credits minus fees, after the first year).