Overview

• The Strata Elite delivers an 80,000-point welcome bonus after $4,000 in spend over three months and now lets ThankYou points transfer to American AAdvantage alongside other partners.
• Cardholders receive four Admirals Club passes per calendar year that post instantly to AAdvantage accounts and, once activated, grant 24-hour lounge access for one adult plus up to three children with a same-day American or oneworld boarding pass.
• The $200 Splurge Credit resets each January and requires online registration to select up to two merchants—purchases at 1stDibs, AA, Best Buy, Future Personal Training or Live Nation qualify and credits post within one to two billing cycles.
• Because both lounge passes and the Splurge Credit run on a calendar-year basis, newcomers can capture duplicate benefits in their first membership year, yielding up to about $2,400 in combined value alongside the bonus.
• With a $595 annual fee (partially rebated for Citigold clients), the card’s net value depends on individual travel habits and existing lounge access, and reviewers recommend pairing it with a no-fee Citi Double Cash for everyday spending.