Citi Strata Elite
By Alex Compton · Last verified
Citi's premium card, with AAdvantage transfers and weekend dining at 6x.
Welcome Bonus
75,000
≈$1,350 value
Spend Requirement
$6,000
in 3 months
Annual Fee
$595
No FTF
Credit Score
740+
(Excellent)
Current offer note: Public online offer; 48-month product-bonus restriction applies
Historical Offers Chart
Every public offer change we've tracked. Hover for details, timing your application is worth hundreds of dollars.
Apply now or wait?
Consider waitingThis card has offered 80k before; the current 75k is below its typical 80k. Elevated offers have been rare lately, so waiting is a gamble.
Current offer
75k
All-time high
80k
Typical offer
80k
In place since
September 2026
| Observed | Offer | Requirement | What changed | Evidence |
|---|---|---|---|---|
| 2026-09-04 | 75,000 | $6,000 in 3 mo | Bonus decreased: 80,000 → 75,000 · Spend: $4,000 → $6,000Public offer decreased to 75,000 points and required spend increased to $6,000 | Citi Strata Elite product page and pricing details → |
| 2026-01 | 80,000 | $4,000 in 3 mo | Terms reconfirmed | Archive record · no attached snapshot |
| 2025-07 | 80,000 | $4,000 in 3 mo | Earliest recordLaunch offer | Archive record · no attached snapshot |
Primary-source verification log
Append-only evidence ledger- changed
Recorded the current 75,000-point offer with $6,000 spend and added official authorized-user, lounge-pass, credit and protection terms.
Fields: currentOffer, offerHistory, authorizedUserFee, credits, benefits, lastVerified
Citi Strata Elite product page and pricing details →
Source checked 2026-09-04 · spot an outdated offer? Report a correction above.
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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 up to two eligible brands
- Blacklane chauffeur credit$200
$100 January-June and $100 July-December
Benefits
- ✦Priority Pass Select membership with access to 1,500+ lounges
- ✦Four Admirals Club Citi Strata Elite passes each calendar year
- ✦American Airlines AAdvantage transfer access
- ✦Up to $120 Global Entry / TSA PreCheck credit every four years
- ✦Trip delay, trip cancellation/interruption, luggage, rental-car, extended-warranty and purchase protections
Lounge Access
This card opens 1 lounge network. See exactly what you can walk into at your airport with the Lounge Finder.
Why it earns its spot
- +Only transferable currency with AAdvantage access
- +Strong credits against the fee
Where it costs you
- −Portal-heavy earn structure
- −$75 annual fee for each authorized user
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.
Head-to-Head Comparisons
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