Citi Strata Elite Review 2026
Earn 75,000 bonus Points after spending $6,000 in the first 3 months of account opening.
Your card estimate
Net first-year value
First year
+$455
Base rewards + bonus - fee - interest drag
Ongoing year
-$295
Excludes one-time welcome offer
This card’s headline rate applies to bonus categories, not all spend. The figures above use a conservative $300 base; maxing the bonus categories could earn up to $1,500 in rewards.
SwitchWize take
Rewards credit card
Bonus value
$750
Rewards
5x points
Annual fee
$595
APR
21.24%-28.49%
Card truth label
Terms that decide whether this card fits
Best for
- People whose spending matches the rewards structure
- Applicants who can use the welcome offer responsibly
- Cardholders who pay in full
- People comparing net first-year value
Not for
- Carrying a balance long term
- Applying only for a bonus without a payoff plan
- Spending more to earn rewards
- Anyone who cannot meet issuer approval requirements
Decision checks
Apply only if these checks pass
Product card image shown
$595 annual fee
21.24%-28.49% variable
Spend requirement: $6,000 in 3 months
Citi terms control approval, pricing, and rewards
How you earn
Caps, exclusions, merchant coding, and redemption values can change the real return. Verify issuer terms before applying.
If you carry a balance, compare payoff cost before rewards. Interest can erase rewards quickly.
The $595 annual fee needs to be offset by rewards, credits, or travel value.
Comparison set