Card economics
Citi Strata Elite
Annual fee
$595/yr
Foreign transaction fee
None
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Welcome offers change frequently — check the issuer's page for the current offer.
Earn rates
| Category | Rate |
|---|---|
| Citi Travel - Hotels | 12xPortal only |
| Citi Travel - Rental Cars | 12xPortal only |
| Citi Travel - Attractions | 12xPortal only |
| Citi Travel - Flights | 6xPortal only |
| Dining | 3x |
| Everything Else | 1.5x |
| Everything else | 1.5xBase rate |
Transfer partners: Citi ThankYou Points
Benefits not in the math
Airline club passes
Four Admirals Club one-time passes per calendar year (same-day American or oneworld flight required).
Issuer sourceCounted at $0 unless you assign a value in a Premium perk-value profile.
Fee calculator
Sticker Fee
$595/yr
Credits
-$30
Effective Fee
$565
Credits & Benefits
Max: $300/yr · annual
Up to $300 off a hotel stay of 2 nights or more booked through cititravel.com.
Max: $200/yr · annual
Up to $200 in statement credits at up to 2 eligible brands selected from Citi's current list.
Max: $200/yr · semiannual
Up to $100 January-June and up to $100 July-December on eligible Blacklane purchases.
Max: $120/yr · every_4_years
Up to $120 every 4 years for Global Entry or TSA PreCheck application fee.
Max: $145/yr · annual
Requires qualifying Citigold relationship; not assumed for general optimizer users.
Adds this card to your current wallet and keeps your spending. Premium uses your edited credit values; Free uses conservative defaults. The optimizer may recommend a different wallet.
Catalog record last reviewed Sep 22, 2026. Issuer terms and available offers control and may change.
Next step
One card is a start. The modeled setup is the whole wallet.
The Citi Strata Elite might be useful on its own, but the modeled combination depends on your total spending. The optimizer searches eligible portfolios and clearly labels whether the result was proven optimal within that run's inputs or is the strongest valid setup found before timeout.