Citi Strata Elite
Citi's 2025 entry into the premium wars, with weekend dining 6x.
★ 8.2/10CitipersonalCiti ThankYou Points
View Current OfferBest for: American Airlines flyers
Welcome Bonus
80,000
≈$1,440 value
Spend Requirement
$4,000
in 3 months
Annual Fee
$595
No FTF
Credit Score
740+
(Excellent)
Historical Offers Chart
Every public offer change we've tracked. Hover for details, timing your application is worth hundreds of dollars.
Sign-Up Bonus (points)Spending Requirement ($)
Last verified 2026-01-15 · spot an outdated offer? Tell us in the comments.
Earning Rates
- 12xHotels, car rentals, attractions via Citi Travel
- 6xAir travel via Citi Travel
- 6xDining on Fri & Sat nights
- 3xDining (other times)
- 1.5xAll other purchases
Credits ($700/yr stated)
- Hotel credit$300
Citi Travel, 2+ nights
- Splurge credit$200
Choose brands quarterly
- Blacklane chauffeur credit$200
Benefits
- ✦Priority Pass Select
- ✦American Airlines transfer access (unique among banks)
- ✦Global Entry / TSA PreCheck credit
Why it earns its spot
- +Only transferable currency with AAdvantage access
- +Strong credits against the fee
Where it costs you
- −Portal-heavy earn structure
- −New product, benefits may shift
The Compound Verdict
The AA transfer pipeline makes this the card for American Airlines loyalists. For everyone else, it must out-credit a CSR or Venture X to earn its slot.
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