Overview

• The $595 Citi Strata Elite debuts with a limited-time 80,000-point bonus after $4,000 in three months, plus statement credits that include up to $300 for Citi Travel hotel bookings, a $200 retailer splurge credit, and $200 with Blacklane.
• An analyst notes the hotel and splurge credits reset by calendar year, creating the opportunity to use them twice in the first cardmember year for applicants approved now.
• Citi has added American Airlines AAdvantage as a ThankYou transfer option, with Strata Elite unlocking transfers alongside a broader roster of airline and hotel partners.
• Premium access features include unlimited Priority Pass Select for the primary cardholder and authorized users, with lounges accepting the Strata Elite card as the credential, plus four Admirals Club passes per calendar year deposited to the AAdvantage wallet.
• Separately, the no-annual-fee Citi Strata replaces Rewards+ with a 30,000-point limited-time bonus and everyday earning that includes 5X on Citi Travel portal bookings, 3X at supermarkets, transit, gas and EV charging, 2X at restaurants, and a 3X self-select category.