Overview

• All three Strata cards are now available with distinct welcome bonuses: the no-fee card offers 30,000 points after $1,000 in three months, the $95 Strata Premier grants 60,000 points after $4,000 in three months and the $595 Strata Elite provides 80,000 points online or a reported 100,000 points in-branch upon similar spending.
• The Strata Elite Card’s $595 fee is offset by up to $300 in annual hotel credits, up to $200 in Splurge credits and up to $200 in Blacklane chauffeur credits.
• Cardmembers and authorized users receive unlimited Priority Pass lounge access and four 24-hour Admirals Club passes per calendar year on the Elite tier.
• The Strata Elite Card earns up to 12x points on Citi Travel bookings, up to 6x on dining during weekend evening hours and 1.5x on other purchases, while the Premier and no-fee cards offer scaled-back multipliers on travel, dining and everyday spend.
• Analysts recommend pairing premium Strata cards with the no-fee Citi Double Cash for 2x points on everyday spending and caution applicants to observe Citi’s 48-month bonus restriction and product eligibility rules.