Citi Strata Elite Review 2026
Earn 75,000 bonus Points after spending $6,000 in the first 3 months of account opening.
See offerYou'll leave SwitchWize. Verify terms with the issuer.
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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 $450 in rewards.
SwitchWize take
Rewards credit card
Bonus value
$750
Rewards
1.5x points
Annual fee
$595
APR
20.74% to 28.74%
Pros & cons
- Sign-up bonus worth $750
- Annual fee: $595
Derived from the current rate, fees, and terms we track for this product. Confirm the latest details on the provider’s site.
Card truth label
Terms that decide whether this card fits
Fees
What this card can cost you
- Annual fee
- $595
- Foreign transaction fee
- Not verified yet
- Balance transfer fee
- Not verified yet
- Cash advance fee
- Not verified yet
- Late payment fee
- Not verified yet
- Authorized user fee
- Not verified yet
Offer history
How today's bonus compares
Current public welcome offer
75,000 points
Observed Nov 13, 2026
12-month best
See terms
1 tracked observation
Signal
At or near tracked best
Last history update Nov 13, 2026
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
$595 annual fee
20.74%-28.74% 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
Other cards to compare first
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Before you apply
Application rules and credit check
- Who can get the welcome bonus
New account bonus offer is not available if you currently have or previously had a Citi Strata Elite ® account.
SourceYou also may not be eligible for the new account bonus offer based on a number of factors, such as your history of opening, closing and using credit cards.
Source- How many cards you can open
- Not published by the issuer on its card page.
- Credit check when you apply
- Not published by the issuer on its card page.
These are the issuer’s own words. Informal rules reported by cardholders, such as "5/24", are not shown because the issuer has not published them. Checked Nov 13, 2026.
Questions
Common questions
What is the annual fee for the Strata Elite?
The Strata Elite has a $595 annual fee, according to Citi's page checked Nov 13, 2026.
What is the APR on the Strata Elite?
The purchase APR is 20.74% to 28.74%, and it is variable. Your rate depends on your credit.
Sources
Where these figures come from
Fees and APR
https://www.citi.com/gcgapi/prod/public/v1/prelogin/digital/creditCards/offers/pricingDetails/retrieve · checked Nov 13, 2026
We could not verify the foreign transaction fee, balance transfer fee, cash advance fee, late payment fee, authorized user fee for this card yet, so we do not show a figure.
Bottom line
Is Strata Elite worth it?
Earn 75,000 bonus Points after spending $6,000 in the first 3 months of account opening.
Worth it if: People whose spending matches the rewards structure
Skip it if: Carrying a balance long term