Cards · Citi · Mastercard
Strata Elite
Citi's premium card: big multipliers through Citi Travel and a $300 hotel credit.
Track this card in Cardful. Free, nothing to link.
Where it earns
The multipliers.
Paid in Citi ThankYou, about 1.8¢ a point at RRV. Cardful ranks this card against the rest of your wallet for every purchase, using these rates and an honest point value.
Statement credits
$820 a year, if you use all of it.
Each credit runs on its own reset schedule, and each name opens the full breakdown of how it resets and where it is most often wasted. Cardful remembers partial use and reminds you before a window closes.
Also on the card: Priority Pass + 4 Admirals Club passes.
The honest read
Worth it, or not.
Worth it if
- 12× on hotels and 6× on flights booked through Citi Travel.
- A $300 annual hotel credit plus a $200 splurge credit.
- 6× dining on Citi Nights, Friday and Saturday evenings.
Think twice if
- The top rates require booking through Citi Travel.
- Dining is 3× outside Citi Nights.
- The Blacklane credit is niche and split into two halves.
The fee
Is the fee worth it?
On paper the credits are worth $820 a year against a $595 fee. The honest question is which of them you will genuinely use. How the verdict works →
Strata Elite · $595 fee
Every credit used in full, no points counted
Almost nobody uses every credit in every window. Cardful tracks what you actually claim and gives the keep, downgrade or cancel verdict on your real renewal date.
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Terms last verified against the issuer’s published page on . Card terms change without notice — always confirm on the issuer’s site before applying.
Track what you already carry.
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