Citi · personal · mastercard
Citi Strata Elite
Citi's new $595 premium travel card — transferable ThankYou points plus a $300 hotel credit and lounge access. Only pencils out if you'll use the credits and value Citi's transfer partners; otherwise the Strata Premier is far cheaper.
Current public offer
75,000 bonus ThankYou points after qualifying purchases — as of 2026-07-01 · source
Fees & fine print
- Annual fee: $595
- Suggested credit: Excellent (720+)
- No foreign transaction fee ✓
Earning
- 6x restaurants on Citi Nights (Fri–Sat 6pm–6am), 3x other times
- 12x hotels, cars & attractions via Citi Travel; 6x air via Citi Travel
- 1.5x everything else
Transfer partners
JetBlue · Avianca · Flying Blue · Emirates · Singapore · Turkish · Virgin Atlantic · Choice · Wyndham
Informational only — not financial advice. Offers change; verify all terms with the issuer before applying.