Citi Launches the Citi Strata Elite Credit Card

July 28, 2025 at 08:00 AM EDT

Premium Card Offers Customers One of the Highest Earn Rates and Valuable Lifestyle Benefits

Key Highlights:

New card offers premium travel and dining benefits plus generous earn on every dollar spent
Flexible benefits make it easy for cardmembers to customize to fit their lifestyle
Citi Strata Elite joins Citi Strata Card and Citi Strata Premier Card to complete Citi’s family of rewards credit cards that caters to cardmembers’ passions

Today, Citi announced the Citi Strata Elite℠ Card—a new premium credit card offering 12x points on Hotels, Car Rentals, and Attractions booked on the Citi Travel^® platform; 6x points on Air Travel booked on Citi Travel; 6x points at Restaurants, every Friday & Saturday from 6 p.m. to 6 a.m. ET; and more travel, dining and entertainment benefits. Plus, with the Citi Strata Elite Card, cardmembers can unlock nearly $1,500 in value each year—with valuable lifestyle benefits cardmembers will want to use and even more perks for those who fly with American Airlines.

This press release features multimedia. View the full release here: https://www.businesswire.com/news/home/20250728494474/en/

Citi Strata Elite℠ Card

“The new Citi Strata Elite Card is the smart choice for savvy premium cardmembers who want to earn high rewards on travel and dining while still earning generously on every dollar spent,” said Pam Habner, Head of U.S. Branded Cards & Lending at Citi. “You shouldn’t need a math degree and a spreadsheet to track your credit card benefits! We have curated flexible lifestyle benefits that we know our customers will want to use—because we asked them what they value. And, this is the only branded credit card that has American Airlines benefits built right into the card.”

The Citi Strata Elite Card rewards cardmembers with ThankYou^® Points for the things they care about most, with the ability to earn:

12x points on Hotels, Car Rentals, and Attractions booked on cititravel.com.
6x points on Air Travel booked on cititravel.com.
6x points at Restaurants including Restaurant Delivery Services, every Friday and Saturday from 6 p.m. to 6 a.m. ET and 3x points any other time.
1.5x points on All Other Purchases.

With Citi Strata Elite, cardmembers can feel confident knowing they’ve chosen the card that can maximize their rewards earn. Citi Strata Elite cardmembers will also enjoy access to the following premium benefits and protections:

Valuable Lifestyle Benefits Cardmembers Will Want to Use

Citi researchⁱ found 75% of premium cardmembers indicate that customization—like opting for perks—is a very or extremely important part of the equation. Citi Strata Elite offers:

Up to $300 Annual Hotel Benefit: Every calendar year, enjoy up to $300 off a hotel stay of two nights or more booked through Citi Travel.
Up to $200 Annual Splurge Credit℠: Every calendar year, earn up to $200 in statement credits on your choice of up to two of the following brands: 1stDibs, American Airlines, Best Buy^®, Future Personal Training, and Live Nation.
Up to $200 Annual Blacklane Credit: Every calendar year, enjoy up to $200 in statement credits when booking with Blacklane, a global chauffeur service. Earn up to $100 on Blacklane purchases January through June and up to $100 July through December.
Up to $120 Global Entry^® or TSA PreCheck^® Application Fee Credit: Receive a statement credit, up to $120 every four years, as reimbursement for the application fee for Global Entry or TSA PreCheck^®.

Even More Perks for Those Who Fly with American Airlines

In addition to being a Splurge Credit option, American Airlines has partnered with Citi to offer additional benefits:

Four American Airlines Admirals Club^® Citi Strata Elite Passes (Worth Over $300 Annually): Every calendar year, receive four Admirals Club^® Citi Strata Elite℠ Passes for access to nearly 50 Admirals Club^® lounges worldwide.
Points Transfer: Ability to transfer Citi ThankYou^® Points into American Airlines AAdvantage^® miles, which can be used on flights and more to create a personalized travel experience.

“American is deepening its partnership with Citi to deliver even more benefits that combine the best of American and Citi’s rewards offerings,” said Scott Long, American Airlines Senior Vice President of AAdvantage. “We’re always looking for innovative ways to enhance our products and reward our customers for their loyalty. The new Citi Strata Elite Card provides Citi cardmembers an exciting opportunity to experience some of the fantastic benefits the AAdvantage program offers.”

Additional Premium Perks for Savvy Consumers

Complimentary Priority Pass Select™ membership (Worth $469 Annually): Complimentary access for primary cardmembers and authorized users, and up to two guests to 1,500+ airport lounges worldwide (not all lounges admit guests).
Access to The Reserve by Citi Travel: A collection of 4.5-5 star participating hotels on the Citi Travel platform offering on-property benefits including daily complimentary breakfast for two, free wi-fi, a $100 experience credit (varies by property) and early check-in, late check-out, and room upgrades (subject to availability).
No foreign transaction feesⁱⁱ: No foreign transaction fees when traveling internationally.
Access to Citi Entertainment^®: Get special access to purchase tickets to thousands of events, including presale tickets and exclusive experiences for the year’s most anticipated concerts, sporting events, arts and dining experiences.
Access to The Mastercard Collection benefits: Citi Strata Elite is the first World Legend credit card issued featuring Mastercard’s new premium tier benefits, offering priority reservations at thousands of the most sought-after restaurants abroad; ticketing access across music, theater, and sporting events globally; and more.

“We’re thrilled to introduce World Legend with Citi, a payment experience to meet people’s growing expectations of a payments card,” said John Levitsky, U.S. co-president at Mastercard. “Our new World Legend card tier will help deepen cardmember loyalty by offering elevated benefits, experiences and exclusive Priceless access in categories that people love—dining, entertainment, and travel.”

Protections for Peace of Mind

Additionally, Citi Strata Elite cardmembers will receive travel and shopping protections including trip delay protection, enhanced trip cancellation and trip interruption protection, lost or damaged luggage protection, MasterRental coverage, extended warranty and purchase assurance plus.

With access to nearly $1,500 in value and a suite of new benefits, the new Citi Strata Elite comes with a $595 annual fee and $75 annual fee for each authorized userⁱⁱ.

Rewards for Citi Wealth Clients

Citigold^® Private Client Relationship Tier credit: Qualifying Citigold Private Clients receive a $595 first year banking relationship credit and $145 Annual Credit each year thereafter if the primary cardmember has an open and current Citi Strata Elite Card account.
Citigold^® Relationship Tier credit: Qualifying Citigold clients receive $145 Banking Relationship Annual Credit if the primary cardmember has an open and current Citi Strata Elite Card.

Rounding out the Citi Strata Family of Rewards Credit Cards

The Citi Strata Elite Card and new Citi Strata℠ Card join the Citi Strata credit card portfolio, a range of products uniquely tailored to what cardmembers value most. Each of the cards—Citi Strata Elite, Citi Strata Premier^®, and Citi Strata—is designed to give cardmembers the flexibility to curate the life they envision for themselves.

Today, the Citi Strata Card—a rich enhancement of the former Citi Rewards+^® Card—offers cardmembers increased opportunities to earn more points on hotel, car rentals and attractions booked on Citi Travel, and at restaurants, supermarkets, gas stations and on select transit purchases. Additionally, the new Self-Select category offers 3x points on an eligible category like fitness clubs, select streaming services, live entertainment, among others that speak to their personal desires, all at no annual feeⁱⁱⁱ.

The Citi Strata Card offers benefits that cater to cardmembers’ everyday routines and passions while helping them enjoy experiences now and in the future. With the Citi Strata Card, cardmembers can earn:

5x points on Hotels, Car Rentals, and Attractions booked on cititravel.com.
3x points at Supermarkets.
3x points on Select Transit and at Gas & EV Charging Stations.
3x points on an eligible Self-Select Category of their choice. (Eligible categories include Fitness Clubs, Select Streaming Services, Live Entertainment, Cosmetic Stores/Barber Shops/Hair Salons, or Pet Supply Stores.)
2x points at Restaurants including Restaurant Delivery Services.
1x points on All Other Purchases.

For more information on the Citi Strata credit card portfolio, visit www.citicards.com.

About Citi

Citi is a preeminent banking partner for institutions with cross-border needs, a global leader in wealth management and a valued personal bank in its home market of the United States. Citi does business in more than 180 countries and jurisdictions, providing corporations, governments, investors, institutions and individuals with a broad range of financial products and services.

Additional information may be found at www.citigroup.com | X: @Citi | LinkedIn: www.linkedin.com/company/citi | YouTube: www.youtube.com/citi | Facebook: www.facebook.com/citi

ⁱ Citi partnered with Material in June-July 2025 to conduct a poll of 1,000 adults ages 18+ who own at least one premium credit card (annual fee of $395 or more) and contribute to financial decision-making for their household. In addition, this survey included another 854 adults age 18+ who own at least one credit card, that is not a premium credit card and contribute to financial decision-making for their household.

ⁱⁱ Pricing for Citi Strata Elite Card: The variable APR for purchases and balance transfers is 21.24%-29.24% based on your creditworthiness. For Citi Flex Plans subject to an APR, the variable APR is 21.24%-29.24%, based on creditworthiness. For Citi Flex Pay Plans subject to a Plan Fee, a monthly fee of up to 1.72% will apply, based on the Citi Flex Plan duration, the APR that would otherwise apply to the Transaction, and other factors. The variable APR for cash advances is 29.49%. The variable penalty APR is up to 29.99% and may be applied if you make a late payment or make a payment that is returned. Minimum interest charge - $0.50. Annual fee - $595. Annual fee for Authorized Users - $75. Fee for foreign purchases - None. Cash advance fee - 5% of each cash advance (min. $10). Balance transfer fee - 5% of each transfer (min. $5). Rates as of 07/27/2025.

ⁱⁱⁱ Pricing for the Citi Strata Card: 0% Intro APR for 15 months on purchases and balance transfers from date of account opening; after that, the variable APR for unpaid promotional balances, new purchases, and new balance transfers is 19.24% - 29.24%, based on your creditworthiness. For Citi Flex Plans subject to an APR, the variable APR is 19.24% - 29.24%, based on creditworthiness. For Citi Flex Pay Plans subject to a Plan Fee, a monthly fee of up to 1.72% will apply, based on the Citi Flex Plan duration, the APR that would otherwise apply to the Transaction, and other factors. The variable APR for cash advances is 29.49%. The variable penalty APR is up to 29.99%. Minimum interest charge - $0.50. Annual fee - $0. Fee for foreign purchases - 3% of the U.S. dollar amount of each purchase. Cash advance fee - 5% of each cash advance (min. $10). Balance transfer fee - intro fee of 3% of each transfer ($5 minimum) completed within the first 4 months of account opening. After that, 5% of each transfer ($5 minimum). Rates as of 07/27/2025.