Citi Strata Elite Annual Splurge Credit: How It Works and When It Resets (2026)
Quick answer: The Citi Strata Elite Annual Splurge Credit is worth up to $200 a year. It runs on the calendar year and resets every January 1; whatever is unused on December 31 expires. Enrollment is required on the issuer's site or app before the credit pays out.
At a glance
| Card | Citi Strata Elite · Citi · annual fee $595 |
| Value per year | $200 |
| Cycle | Annual |
| Resets | January 1 (calendar year) |
| Enrollment | Required |
| Type | Accumulates up to the cap |
The terms, as catalogued
Up to $200 statement credits on choice of up to 2 brands: 1stDibs, American Airlines, Best Buy, Future Personal Training, Live Nation each calendar year
How not to lose it
Add the Citi Strata Elite to MaxWorth and this credit appears with its annual cycle already set; you get a push before it expires, tap it when you use it, and the card's annual-fee ROI updates. No bank account is ever connected.
Frequently asked questions
When does the Annual Splurge Credit reset?
It runs on the calendar year and resets every January 1; whatever is unused on December 31 expires.
Do I need to enroll?
Enrollment is required on the issuer's site or app before the credit pays out.
Does unused credit roll over?
No. Like every annual credit, any unused amount expires when the cycle ends.
Other credits on the Citi Strata Elite
- Citigold Private Client Relationship Credit · $595/yr · Annual
- Annual Hotel Benefit · $300/yr · Annual
- American Airlines Admirals Club Passes · $300/yr · Annual
- Annual Blacklane Credit · $200/yr · Semi-annual
- Citigold Relationship Credit · $145/yr · Annual
- Global Entry or TSA PreCheck Credit · $30/yr · Every 4 years
Source: the issuer's published terms, entered and verified by hand in the MaxWorth database; methodology. Spotted an outdated term? Tell us through the app.