Skip to content
Mastercard2/4 on file
✓ Annual fee checked
Citibank / Citigroup · Mastercard

Citi Strata Elite℠ Card

DiningLounge AccessNo FX FeePremiumRewardsTravel

The Citi Strata Elite℠ Card is a Mastercard from Citibank / Citigroup with an annual fee of $595. Here is what we hold on it, and what we do not.

Annual fee$595per yearChecked files.consumerfinance.gov
Welcome offerNot confirmedNot published by the issuer where we checked ()
Apply on Citibank / CitigroupCompare this card
Opens Citibank / Citigroup’s site

Bank with branches in: California (271), New York (211), Illinois (57), Florida (56), District of Columbia (15), Connecticut (12), Maryland (11), New Jersey (8) and 3 more. Where it has branches is not a rule on who may apply.

Source: FDIC BankFind (api.fdic.gov) · read Oct 7, 2026

Ledger entry

The receipt

Every cost line we hold for the Citi Strata Elite℠ Card, exactly as recorded.

Annual fee
$595Checked files.consumerfinance.gov
Supplementary card
Not confirmed
Foreign transaction
NoneChecked citi.com
Purchase APR
20.49%–28.49%Checked files.consumerfinance.gov
Income requirement
Not confirmed
Network
Mastercard
Credit needed
Not confirmed
Sign-up

The welcome offer

No welcome offer on file

We hold no published welcome offer for the Citi Strata Elite℠ Card. That may mean there isn’t one, or simply that we have not recorded it — Citibank / Citigroup’s own page is the place to check.

Not published by the issuer where we checked ()
Rewards

What it earns

No earn rates on file

We hold no category earn rates for the Citi Strata Elite℠ Card. Rather than print a multiplier we cannot source, this stays blank until Citibank / Citigroup’s own terms give us one.

We couldn't verify this · check with the issuer
Included

Perks & benefits

Card benefits

  • Up to $300 off a hotel stay of 2+ nights booked through cititravel.com each calendar year
  • Up to $200 in statement credits annually for select brands (1stDibs, American Airlines, Best Buy, Future Personal Training, Live Nation)
  • Up to $200 in statement credits annually for Blacklane chauffeur service
  • Complimentary access to 1,500+ airport lounges worldwide
  • 4 Admirals Club Citi Strata Elite Passes annually for access to nearly 50 Admirals Club lounges
  • Up to $120 statement credit every four years for Global Entry or TSA PreCheck application fee
  • Travel insurance including Trip Delay Protection, Trip Cancellation/Interruption Protection, Lost or Damaged Luggage coverage, MasterRental car insurance, Extended Warranty and Purchase Assurance Plus
  • Points transferable to airline and hotel partners (American Airlines, JetBlue, Virgin Atlantic, Cathay, Eva Air, Choice Hotels, Leading Hotels of the World)
  • Redeem points for gift cards, cash back, or shop with points at merchants like Amazon, PayPal, CVS
  • Citigold and Citigold Private Client banking relationship credits available
Next step

Ready to apply for the Citi Strata Elite℠ Card?

You'll finish the application on Citibank / Citigroup's own site. Terms can change without notice, so check the fee and offer there before you commit.

Apply nowOpens Citibank / Citigroup’s site
Questions

Questions about the Citi Strata Elite℠ Card

How much is the Citi Strata Elite℠ Card annual fee?

The Citi Strata Elite℠ Card has an annual fee of $595. Weigh that against the rewards and perks you will actually use.

What does the Citi Strata Elite℠ Card earn?

We could not verify the Citi Strata Elite℠ Card's earn rates, so we do not print a multiplier. Check them on Citibank / Citigroup's own site.

What network is the Citi Strata Elite℠ Card on?

The Citi Strata Elite℠ Card runs on the Mastercard network, which determines where it is accepted and which network-level benefits apply.

Is the Citi Strata Elite℠ Card available in United States?

Yes — the Citi Strata Elite℠ Card is issued by Citibank / Citigroup and is available to eligible applicants in United States. Approval depends on the issuer's own credit and income criteria.

When were the Citi Strata Elite℠ Card figures last checked?

We checked its annual fee in December 2025, its foreign transaction fee in September 2026 and its purchase APR in December 2025, each against a published document. Not published by Citibank / Citigroup where we checked: welcome offer. We could not verify, so we do not print: earn rates. Check them with Citibank / Citigroup. Terms can change without notice, so confirm the current details with Citibank / Citigroup before you apply.