Citi Strata Elite Benefits, Credits & Annual Fee

• Annual Hotel Benefit$300 / yrTrackable

  Once per calendar year, you can save up to $300 on a single hotel stay of at least 2 nights. The stay must be booked through cititravel.com, and the discount is applied at the time of booking. The benefit resets each calendar year.

  Resets: Calendar yearChecked May 20, 2026
• Citigold Banking Relationship Annual Credit$145 / yrTrackable

  Qualifying Citigold clients receive a $145 Banking Relationship Annual Credit if the primary cardmember has an open and current Strata Elite Card account with an assessed Annual Membership Fee. Distinct from the Citigold Private Client relationship credit.

  Resets: Calendar yearChecked Sep 14, 2026
• Blacklane Private Chauffeur Credit$100 / 6moTrackable

  Get up to $200 per year in statement credits toward rides booked through Blacklane, a premium chauffeur service. The credit is split into two $100 halves - one usable January through June and the other July through December. Unused credit from the first half does not carry over.

  Resets: Twice a yearChecked May 20, 2026
• Annual Splurge Credit℠$200 / yrTrackable

  Get up to $200 back as statement credits each calendar year across up to 2 brands of your choice. Pick from 1stDibs, American Airlines, Best Buy, Future Personal Training, or Live Nation, then use your card to pay. Some exclusions apply for American Airlines and Live Nation purchases.

  Resets: Calendar yearChecked May 20, 2026
• Citigold Private Client Banking Relationship Credit$595 / yrTrackable

  Qualifying Citigold Private Clients get a $595 statement credit in the first year - effectively offsetting the full annual fee - and a $145 credit each year after that. To qualify, you must be a Citigold Private Client and the primary cardmember on an active Strata Elite account with the $595 annual membership fee assessed.

  Resets: Calendar yearChecked Sep 27, 2026
• TSA PreCheck / Global Entry Application Fee Credit$120 / 4yrTrackable

  Get up to $120 as a statement credit to cover the application fee for Global Entry or TSA PreCheck. Charge the application fee to your card and the credit posts automatically. You can use this credit once every four years.

  Resets: Every 4 yearsChecked Sep 27, 2026

Travel Benefits

• The Reserve and Hotel Collection Early Check-In

  Get early check-in when available at participating The Reserve and Hotel Collection hotels. Ask at check-in; the hotel determines whether early check-in is available at that time.

  Checked Sep 27, 2026
• The Reserve and Hotel Collection Late Check-Out

  Get late check-out when available at participating The Reserve and Hotel Collection hotels. Ask at check-in; the hotel determines whether late check-out is available at that time.

  Checked Sep 27, 2026
• The Reserve and Hotel Collection Wi-Fi

  Get complimentary Wi-Fi at participating The Reserve and Hotel Collection hotels. Connect during your stay; at select hotels, Wi-Fi is either part of a mandatory daily resort fee or unavailable.

  Checked Sep 27, 2026
• The Reserve by Citi Travel Hotel Benefit$100 / yr

  Get a $100 experience credit at a participating The Reserve hotel. The hotel determines how you can use it and provides it directly, potentially as a credit or gift card.

  Checked Sep 27, 2026
• Hotel Collection Breakfast for Two

  Get daily breakfast for two during a qualifying Hotel Collection stay. The hotel may serve breakfast directly or provide a gift card or credit to use toward it.

  Checked Sep 27, 2026
• ThankYou Points Transfers

  Transfer ThankYou Points to participating airline and hotel programs, including American Airlines, JetBlue, Virgin Atlantic, Cathay, EVA Air, and Choice Hotels. Start a transfer through your ThankYou account; the minimum is 1,000 points.

  Checked Sep 27, 2026

Lounge Access

• American Airlines Admirals Club Lounge Access PassesTrackable

  Get 4 Admirals Club passes each calendar year, valid at nearly 50 Admirals Club lounges in airports across the U.S. and internationally. Each pass gets one person into the lounge, where you can enjoy snacks, complimentary cocktails, and travel assistance. Passes are valued at over $300 total.

  Resets: Calendar yearChecked Sep 28, 2026
• Priority Pass Select Membership

  Get complimentary Priority Pass Select membership, giving you access to 1,500+ airport lounges around the world. Enroll through your card account, then show your Priority Pass card or app at participating lounge entrances. Membership is valued at $469 per year.

  Checked May 20, 2026

Travel Insurance

• Trip Cancellation and Trip Interruption Protection

  Covers non-refundable trip costs if your trip is cancelled or cut short due to a covered reason, such as illness or severe weather. Charge your travel to the card to activate coverage. Coverage levels are enhanced compared to standard protection - check your benefits guide for covered reasons and limits.

  Checked May 20, 2026
• Trip Delay Protection

  Covers out-of-pocket expenses like meals and lodging when your trip is delayed due to a covered reason. Charge your travel to the card to activate coverage. Review your benefits guide for the minimum delay period required and any per-trip dollar limits.

  Checked May 20, 2026
• Lost or Damaged Luggage Protection

  Covers lost or damaged luggage up to $5,000 per trip when you pay for travel with your card or associated ThankYou points. Note that New York residents have a lower limit of $2,000 per trip.

  Checked May 20, 2026
• MasterRental Coverage (Car Rental Insurance)

  Covers damage to or theft of a rental car when you charge the full rental cost to your card and decline the rental company's collision damage waiver. Coverage applies at most car rental locations worldwide. Check your benefits guide for excluded vehicle types and any coverage limits.

  Checked Sep 27, 2026

Bonus Earnings

• 12x Earning Rate: Hotels, Car Rentals, and Attractions via Citi Travel12x points

  Earn 12 ThankYou Points per $1 on hotels, car rentals, and attractions when you book through the Citi Travel portal. Reservations made directly with hotels or rental companies do not qualify for this elevated rate.

  Checked Sep 30, 2026
• 6x Earning Rate: Air Travel via Citi Travel6x points

  Book flights through the Citi Travel portal and earn 6 ThankYou Points per $1 spent. This elevated rate does not apply to airfare purchased directly from airlines or through other travel sites, which earn at a lower rate.

  Checked Sep 30, 2026
• 6x Dining on Friday and Saturday Nights6x points

  Earn 6 ThankYou Points per $1 at restaurants during the Citi Nights bonus window: Friday and Saturday from 6 pm to 6 am ET. Dining at any other time earns 3 points per $1 instead.

  Checked Sep 30, 2026
• 3x Dining All Other Times3x points

  Restaurant purchases that fall outside the Friday and Saturday night bonus window earn 3 ThankYou Points per $1. This covers all other days of the week and times of day, with no enrollment needed.

  Checked Sep 30, 2026
• 1.5x All Other Purchases Base Earnings1.5x points

  Every purchase that doesn't qualify for a higher bonus category earns 1.5 ThankYou points per $1 spent. This base rate applies automatically with no enrollment required and no cap on earnings.

  Checked Sep 30, 2026

Dining Benefits

• The Supper Club Dining Events

  Get the opportunity to buy tickets to select Supper Club dining events. Primary Citi Strata Elite cardmembers and authorized users can purchase tickets for specified events in major U.S. cities, subject to availability.

  Checked Sep 27, 2026

Purchase Protection

• Damage and Theft Purchase Protection

  Eligible purchases made with the card are protected against accidental damage or theft for 90 days from the purchase date. Coverage goes up to $10,000 per item and $1,000 per incident, with a $50,000 annual maximum. Excluded items include cars, jewelry, watches, firearms, and currency.

  Checked May 20, 2026
• Extended Warranty Protection

  Citi extends the manufacturer's warranty on eligible purchases by up to 24 additional months. This applies to items with an original manufacturer warranty of 24 months or less and covers up to $10,000 per item.

  Checked May 20, 2026

Concierge & Membership

• Death & Co Fashioned Access

  Get complimentary access to Fashioned, Death & Co’s cocktail and lifestyle content platform. Enroll using your Citi Strata Elite Card as the payment method; complimentary access requires that enrollment.

  Checked Sep 27, 2026

Fees & Miscellaneous

• Citi Entertainment Access

  Get access to presale tickets and special experiences for thousands of concerts, sporting events, and arts and culture events through Citi Entertainment. Log in to your Citi account and browse available events to purchase tickets before they go on sale to the general public.

  Checked May 20, 2026
• Free FICO Score Access

  Get free online access to your FICO Score. Sign in to your Citi account to review your score and keep track of your credit; your score is a snapshot and may change as your credit information updates.

  Checked Sep 27, 2026
• Gift Card Redemption

  Redeem ThankYou Points for gift cards from participating retailers. Browse gift card options in your ThankYou account and use points at checkout; available brands and required point amounts can vary.

  Checked Sep 27, 2026
• Mastercard Collection Benefits

  As a Mastercard cardholder, you get access to a suite of perks including reservations at sought-after restaurants, presale and preferred access to live events, entry to Mastercard airport lounges, and expedited security lanes at select international airports.

  Checked May 20, 2026
• No Foreign Transaction Fees

  Pay no additional fees on purchases made outside the United States. The benefit applies automatically to all international transactions charged to your card.

  Checked May 20, 2026