Citi · Personal card
Citi Strata Elite Card
The Citi Strata Elite Card has a $595 annual fee and up to $730 a year in statement credits, across four credits. One of the four Citi Strata Elite Card credits needs a one-time enrollment before any spending counts, and Citi will not apply it retroactively.
- Annual fee
- $595
- Charged on your account anniversary
- Credits a year
- Up to $730
- 4 statement credits, used in full
- Need enrollment
- 1 of 4
- Credits. Enroll before you spend
Every credit, and when it resets
Amounts are per period. The last column is what each credit adds up to in a year if you use it every time.
| Credit | Amount | Resets | A year |
|---|---|---|---|
| Annual hotel benefit$300 a year. On January 1 | $300 a year | On January 1 | $300 |
| Splurge creditEnroll first$200 a year. On January 1 | $200 a year | On January 1 | $200 |
| Blacklane credit$100 every six months. Twice a year, in January and July | $100 every six months | Twice a year, in January and July | $200 |
| Global Entry or TSA PreCheck credit$120 each time. Available again every 4 years | $120 each time | Available again every 4 years | $30 |
| Total a year, if you use every credit | $730 |
What people get wrong
- Enrollment comes first. One benefit needs a one-time enrollment. Spend before you enroll and nothing posts, because Citi will not apply a credit retroactively.
- Nothing rolls over. Whatever is unused when a period ends is gone, so a monthly credit missed in March can't be used in April.
Questions about the Citi Strata Elite Card
What is the annual fee on the Citi Strata Elite Card?
$595 a year, charged each year on your account anniversary.
How much are the Citi Strata Elite Card credits worth?
Up to $730 a year if you use all four statement credits in full. The largest: Annual hotel benefit ($300), Splurge credit ($200) and Blacklane credit ($200).
Which Citi Strata Elite Card benefits need enrollment?
One of the four: Splurge credit. Enroll before you spend, because Citi will not apply a credit retroactively.
When do the Citi Strata Elite Card credits reset?
Twice-yearly credits reset on January 1 and July 1, and yearly credits on January 1. Unused credit does not roll over.
Is the Citi Strata Elite Card worth the $595 fee?
On credits alone, only if you use at least 82% of them. They add up to $730 a year against the $595 fee, but each is tied to a merchant and a period, so what counts is the ones you would use anyway.
What points does the Citi Strata Elite Card earn?
Citi ThankYou Rewards points, worth about 1.7 cents each in a typical redemption.
