ResourcesCalculatorsCiti Strata Elite
$595 Annual Fee

Is the Citi Strata Elite worth it for you?

Drag in your real annual spend. I'll do the ThankYou Points math the bank won't — earn rates, your credits, and how you redeem — then tell you if the fee pays for itself.

Sign-Up Bonus

Are you opening the card or thinking about closing it? Each situation has its own bonus — but you only get one.

Current offer: typically 70,000 – 100,000 ThankYou Points after minimum spend
—
Your Annual Spend
How you redeem points
Annual spend by category

Estimate what you charge to the card each year.

Must book via CitiTravel.com
$—
Must book via CitiTravel.com
$—
Restaurants on Fri & Sat, 6 PM – 6 AM ET only
$—
$—
$—
Card credits

Drag each slider to reflect how much of the credit you'd realistically use per year.

Complimentary Priority Pass Select membership for unlimited lounge visits worldwide. Each visit is worth ~$50. Enter the number of lounge visits you expect per year.
visits / yr
4 annual one-time-use passes to American Airlines Admirals Club lounges (~$75 value each). Enter how many of the 4 passes you plan to use. These are separate from your Priority Pass access.
/ 4 max
$300/yr toward hotel bookings of 2+ nights on CitiTravel.com. Full $300 available at the start of each year.
Ease of use3/5AnnualSee why we rated it this way →

Must be used for hotel stays of 2+ nights booked through CitiTravel.com. Does not apply to bookings made directly with hotels or through other portals.

$/ $300 max
Up to $200/yr as statement credits at your choice of up to 2 of these brands: 1stDibs, American Airlines (exclusions apply), Best Buy, Future Personal Training, or Live Nation (exclusions apply).
Ease of use3/5AnnualSee why we rated it this way →

Must select up to 2 brands from a limited list. Exclusions apply within some brands — certain American Airlines fare types and some Live Nation purchases may not qualify.

$/ $200 max
$200/yr ($100 Jan–Jun + $100 Jul–Dec) toward Blacklane chauffeur service rides. Best used for airport transfers.
Ease of use2/5Semi-AnnualSee why we rated it this way →

Blacklane is a premium chauffeur service not available in all cities — primarily useful at major international airports. $100 per semi-annual window; unused portions don't roll over.

$/ $200 max
$120 for Global Entry ($120) or TSA PreCheck (~$85). Usable once every 4.5 years — enter the full credit if you plan to use it, or $0 if you recently renewed.
Ease of use4/5Multi-yearSee why we rated it this way →

Credit applies once every 4.5 years (5-year membership, renewable 6 months early). Application fee must be paid with the Strata Elite card.

$/ $120 max

Optional — enter a dollar value for any protection benefits you'd use.

$
$
$
$
$
$
Net value after the $595 fee
$-595.00SKIP IT
Rewards earned$595 fee
Points earned / year0 pts
Rewards value$0.00
Annual fee−$595
Effective return on spend0.00%
Want a second opinion? Book a call →

Not a referral or affiliate link.

← Back to resources

Card images, names, and logos shown on this page are trademarks of their respective owners, including Citi, 1stDibs, American Airlines, Best Buy, Future Personal Training, Live Nation, Blacklane, Mastercard, and Priority Pass. Their use here is for identification purposes only and does not imply endorsement or affiliation.

Educational purposes only. The content on this site — including guides, calculators, card comparisons, and recommendations — is provided for informational and educational purposes only. It does not constitute financial, tax, or legal advice. Credit card terms, rewards rates, and benefits change frequently; always verify details on the issuer’s official website before applying. He’s Got a Point is not a licensed financial advisor.