The Ultimate Guide to Credit Cards™
Wednesday, July 1, 2026

Citi Strata Elite℠ Card

Jon McDonald

By: Jon McDonald

Jon McDonald

Jon McDonald, Managing Editor

Jon McDonald brings more than 15 years of journalism expertise to CardRates.com. Informing financial consumers about emerging trends and companies making an impact in the industry, Jon is most knowledgeable in the areas of budgeting, credit card rewards, and responsible credit use; he strives to bring that experience to readers worldwide. Jon has a passion for writing and editing, and his articles have appeared in publications produced by The New York Times.

See Full Bio »
Close

Editor: Lillian Guevara-Castro

Lillian Guevara-Castro

Lillian Guevara-Castro, Senior Editor

Lillian Guevara-Castro brings more than 30 years of editing and journalism experience to the CardRates team. She has worked at The Atlanta Journal and Constitution, Gwinnett Daily News, Gainesville Sun, and The New York Times, where she covered demographics, consumer issues, and the business and financial sectors. Lillian has a degree in journalism and communications from Georgia State University and brings her fact-checking expertise to ensure Digital Brands content is accurate and engaging.

See Full Bio »
Close

Reviewer: Ashley Fricker

Ashley Fricker

Ashley Fricker, Senior Editor

Ashley Fricker has more than a decade of experience as a finance contributor and editor, and has specialized in the credit card industry since 2015. Her credit card commentary is featured on national media outlets that include CNBC, MarketWatch, Investopedia, and Reader's Digest, among many others. She has worked closely with the world’s largest banks and financial institutions, up-and-coming fintech companies, and press and news outlets to curate comprehensive content and media. Ashley holds a bachelor's degree in multimedia journalism from Florida Atlantic University.

See Full Bio »
Close

Disclosure: When you apply through links on our site, we often earn referral fees from partners. For more information, see our ad disclosure and review policy.

Advertiser Disclosure

CardRates.com is a free online resource that offers valuable content and comparison services to users. To keep this resource 100% free, we receive compensation for referrals for many of the offers listed on the site. Along with key review factors, this compensation may impact how and where products appear across CardRates.com (including, for example, the order in which they appear). CardRates.com does not include the entire universe of available offers. Editorial opinions expressed on the site are strictly our own and are not provided, endorsed, or approved by advertisers.
Citi Strata Elite℠ Card Review

Our Rating

4.7 /5.0 ★★★★★

Are you considering the Citi Strata Elite℠ Card? Before you apply for the card, you'll want to learn some key facts about the offer and how it compares to others on the market.

In reviewing the card, our staff rated it a 4.7 out of 5.0.

The Citi Strata Elite℠ Card is great for travelling foodies. Paired with an impressive signup bonus, you'll earn top rewards points on travel expenses and when dining out.

Here's a rundown of the key features, rates, and terms of the Citi Strata Elite℠ Card:

Disclosure: When you apply through links on our site, we often earn referral fees from partners. For more information, see our ad disclosure and review policy.

Advertiser Disclosure

CardRates.com is a free online resource that offers valuable content and comparison services to users. To keep this resource 100% free, we receive compensation for referrals for many of the offers listed on the site. Along with key review factors, this compensation may impact how and where products appear across CardRates.com (including, for example, the order in which they appear). CardRates.com does not include the entire universe of available offers. Editorial opinions expressed on the site are strictly our own and are not provided, endorsed, or approved by advertisers.

Citi Strata Elite℠ Card

Citi Strata Elite℠ Card Review

at the issuer'ssecure website

Our Review »
  • Earn 75,000 bonus Points after spending $6,000 in the first 3 months of account opening.
  • Earn 12 Points per $1 spent on Hotels, Car Rentals, and Attractions booked on cititravel.com and 6 Points per $1 spent on Air Travel booked on cititravel.com
  • Earn 6 Points per $1 spent at Restaurants including Restaurant Delivery Services on CitiNights℠ purchases, every Friday and Saturday from 6 PM to 6 AM ET. Earn 3 Points per $1 spent any other time
  • Earn 1.5 Points per $1 spent on All Other Purchases
  • Up to $300 Annual Hotel Benefit: Each calendar year, enjoy up to $300 off a hotel stay of two nights or more when booked through cititravel.com.
  • No Foreign Transaction Fees
Show MoreShow Less See application, terms and details »
Intro (Purchases) N/A
Intro (Transfers) N/A
Regular APR 20.49% - 28.49% (Variable)
Annual Fee $595
Credit Needed Good/Excellent
See Rates & Fees »

Additional Disclosure: Citi is a CardRates advertiser.

There's certainly a lot to like about the Citi Strata Elite℠ Card. Let's dive deeper into the card's rates and fees, as they could make or break whether owning the Citi Strata Elite℠ Card is right for you.

Interest Rate & Annual Fee

According to the issuer, the Citi Strata Elite℠ Card currently charges the following interest rates on purchases and balance transfers:

  • Purchase Intro: N/A
  • Balance Transfer Intro: N/A
  • Regular APR: 20.49% - 28.49% (Variable)

Here's the annual fee for the Citi Strata Elite℠ Card as listed by the issuer:

  • Annual Fee: $595
See site for details »

Credit Needed for Approval

According to the issuer, the current general credit history requirement for the Citi Strata Elite℠ Card is:

  • Credit Level: Good/Excellent

If you feel you have the credit needed for approval and you're ready to apply, you can do so online on the issuer's secure website.

Keep in mind that rates and features may change, so if you like what the Citi Strata Elite℠ Card is offering today, you may want to apply now to lock it in current terms before it's too late.

How Does It Rank?

Below are all the ratings our team gives the Citi Strata Elite℠ Card, along with the card's ranking within each category. To see how it compares to other cards, simply click on the category name:

Best Overall
(Ranked #34 out of 139)
★★★★★
4.7
Excellent Credit
(Ranked #6 out of 54)
★★★★★
4.9
Good Credit
(Ranked #8 out of 50)
★★★★★
4.8
Points & Gifts
(Ranked #3 out of 37)
★★★★★
4.8
Travel
(Ranked #5 out of 43)
★★★★★
4.8

Bottom Line on Citi Strata Elite℠ Card

Citi Strata Elite℠ Card Review

All told, our team's review of the Citi Strata Elite℠ Card resulted in a rating of 4.7 out of 5.0, as the card features many pros and cons for a potential cardholder to consider. Ultimately, it's up to you to determine if the card's benefits outweigh its possible drawbacks.

If you're ready to apply for the Citi Strata Elite℠ Card, here is the link the issuer's official application:

Go To Application »

About the Author

Jon McDonald

Jon McDonald

Managing Editor

Jon McDonald brings more than 15 years of journalism expertise to CardRates.com. Informing financial consumers about emerging trends and companies making an impact in the industry, Jon is most knowledgeable in the areas of budgeting, credit card rewards, and responsible credit use; he strives to bring that experience to readers worldwide. Jon has a passion for writing and editing, and his articles have appeared in publications produced by The New York Times.

View Jon's Full Profile »