Citi · Mastercard · personal · Citi ThankYou Points
Web-verified 2026-09-08.
Review the linked sources below for offer details and eligibility.
Review the linked sources below for offer details and eligibility.
$595
annual fee · $75 per authorized user
0%
foreign txn fee
$390
credits/yr realistic ($730 face)
$1,275
sign-up bonus ≈ 75000 points after $6,000/3mo
Earning
| Citi Travel portal (Issuer travel portal)
Hotels, car rentals and attractions on Citi Travel (6x air travel booked on Citi Travel)
|
12x | 20.4% |
| Dining & restaurants
3x restaurants; 6x on Friday and Saturday nights (6pm-6am ET)
|
3x | 5.1% |
| Everything else | 1.5x | 2.55% |
Right column: value per $ at travel valuation (1.7¢/pt). 1¢ cash. Full transfer partners need a Strata Premier / Strata Elite; the no-fee Strata transfers to a subset incl. American; Double Cash/Custom Cash alone transfer only to Choice, Wyndham, JetBlue.
Credits
- $300 Hotel credit /year · medium to useAnnual credit on a 2+ night stay booked through Citi Travel
- $200 Splurge credit /year · medium to use · enrollment requiredChoose among 1stDibs, American Airlines, Best Buy, Future Personal Training, Live Nation
- $200 Blacklane chauffeur credit /year · hard to use · enrollment required$100 semiannual on Blacklane rides
- $120 Global Entry / TSA PreCheck /every 4 years · easy to use · enrollment requiredFee reimbursement
Benefits
- No foreign transaction fees
- Priority Pass Select
- 4 American Airlines Admirals Club passes per year
- 1:1 transfers incl. American AAdvantage
Protections
| trip cancellation | Up to $5,000 per trip |
| trip delay | Up to $500 after 6 hours |
| baggage delay | Up to $100/day |
| lost luggage | Up to $3,000 |
| rental car | secondary |
Notes
WEB-VERIFIED 2026-09-08 against https://www.bankrate.com/credit-cards/reviews/citi-strata-elite-card/: $595 fee, 12x Citi Travel hotels/cars/attractions, 6x Citi Travel air, 6x weekend-night dining else 3x, 1.5x else, $300 hotel, $200 splurge, $200 Blacklane, $120 GE credits, Priority Pass + 4 Admirals Club passes, 75k after $6k, no FTF (Bankrate, Sep 3 2026). Protections still from model knowledge.