Citi Strata Elite℠ Card
#2 in General Credit Card · Rated 4.3
Top-tier Citi Strata Elite with premium lounge and credits
Citi Strata Elite is Citi’s premium travel/dining card built for high-usage travelers who want expansive earning and lifestyle perks. Announced as a new premium option in 2025, the Elite card offers 12x ThankYou Points on Hotels, Car Rentals, and Attractions booked through Citi Travel, 6x on Air Travel via Citi Travel, and 6x at Restaurants, with a broad 3x rate on Restaurants, other hotel purchases, and certain transit-like spends. The card includes a host of premium benefits: up to $300 annual hotel benefit, up to $200 in annual Splurge Credits for select brands, up to $200 in Blacklane credits, up to $120 for Global Entry or TSA PreCheck, and complimentary Priority Pass Select membership plus four Admirals Club Citi Strata Elite passes each year. There’s also Mastercard World access and a variety of travel protections and lounge access. The annual fee is $595, with an authorized-user fee of $75. This card targets wealthy or aspirational premium cardmembers seeking elevated experiences and lounge access aligned with Citi’s travel ecosystem. ([citigroup.com](https://www.citigroup.com/global/news/press-release/2025/citi-launches-citi-strata-elite-credit-card?utm_source=openai))
Features
- 12x points on Hotels, Car Rentals, Attractions booked via Citi Travel
- 6x points on Air Travel booked via Citi Travel
- 6x points at Restaurants (Fridays–Saturdays 6pm–6am ET)
- Up to $300 Annual Hotel Benefit; up to $200 Splurge Credit; up to $200 Blacklane Credit
- Priority Pass Select; 4 Admirals Club passes; Global Entry/TSA PreCheck credit
Pros
- Premium lounge access and Admilral Club passes
- High earn rates with travel portal focus
- Rich annual statement credits
Cons
- Very high annual fee
- Lounge/benefits require active use and careful enrollment