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Citi Strata Elite
Citi

Citi Strata Elite

Annual fee
$595
Rewards
Citi ThankYou Points
Benefits
12 · $2,239/yr
Data verified Oct 3, 2026 · from the MaxWorth database · not endorsed by Citi · disclaimer

Earn Rates

CategoryRateTrue cash-back value
Dining 3x 4.8%
Everything else 1.5x 2.4%

True value converts point multipliers to dollars using MaxWorth point valuations. Issuer-portal-exclusive rates are excluded.

Credits (7)

Annual

$595 first year banking relationship credit and $145 annual credit thereafter for qualifying Citigold Private Clients

Annual

Up to $300 off hotel stays of 2+ nights booked through Citi Travel each calendar year

Annual

Four Admirals Club passes each calendar year for access to nearly 50 Admirals Club lounges worldwide

Annual Activation required

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

Semi-annual

Up to $200 in statement credits for Blacklane rides, earn up to $100 Jan-Jun and up to $100 Jul-Dec

Annual

$145 banking relationship annual credit for qualifying Citigold clients

Every 4 years

Statement credit up to $120 every four years as reimbursement for Global Entry or TSA PreCheck application fee

Status & Elite Perks (4)

Priority Pass Select Membership

$469/yr
Annual

Complimentary access to 1,500+ airport lounges worldwide for primary cardmember, authorized users, and up to 2 guests

Mastercard World Legend Benefits

Annual

Priority reservations at sought-after restaurants and ticketing access across music, theater, and sporting events globally

The Reserve by Citi Travel Benefits

Annual

Access to 4.5-5 star participating hotels offering daily complimentary breakfast for 2, free Wi-Fi, $100 experience credit, early check-in, late checkout, room upgrades

Citi Entertainment Access

Annual

Special access to purchase tickets to thousands of events including presale tickets and exclusive experiences for concerts, sporting events, arts and dining

Protections (1)

Travel and Shopping Protections

Annual

Trip delay protection, enhanced trip cancellation and interruption protection, lost or damaged luggage protection, MasterRental coverage, extended warranty and purchase assurance plus

Stop tracking this in a spreadsheet.

The MaxWorth app tracks all 12 Citi Strata Elite benefits automatically — redemption progress, reset dates and expiry alerts.

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