Card Comparison
Citi Strata vs Citi Strata Elite
Side-by-side comparison of fees, rewards, benefits, and transfer partners.
Annual Fee
No annual fee
$595/yr
Foreign Fees
None
None
Signup Bonus
30,000 points
Spend $1,000 in 3 months
100,000 points
Spend $6,000 in 3 months
Top Earn Rates
- Hotels (Citi Travel) 5x
- Car Rentals (Citi Travel) 5x
- Attractions (Citi Travel) 5x
- Hotels (Citi Travel) 12x
- Car Rentals (Citi Travel) 12x
- Attractions (Citi Travel) 12x
Reward Type
miles
miles
Key Credits
None
- Hotel Benefit $300
- Splurge Credit $200
- Blacklane Credit $200
- +3 more
Card Perks
None listed
- Priority Pass Select
- Hertz Five Star Status
- 25% Points Bonus on Portal Redemptions
Transfer Partners
- AAdvantage
- AAdvantage
- Aeromexico Club Premier
- Aeromexico Club Premier
- Accor Live Limitless
- +35 more
- AAdvantage
- AAdvantage
- Aeromexico Club Premier
- Aeromexico Club Premier
- Accor Live Limitless
- +35 more
Common Questions: Citi Strata vs Citi Strata Elite
Is the Citi Strata or Citi Strata Elite better for dining?
Citi Strata has no dining bonus; Citi Strata Elite earns 6x on dining.
Which has the higher signup bonus in 2026?
Citi Strata currently offers 30,000 pts signup bonus (spend $1,000 in 3 months). Citi Strata Elite offers 100,000 pts signup bonus (spend $6,000 in 3 months). Citi Strata Elite has the larger bonus.
Which card is better for international travel?
Both cards charge no foreign transaction fees, making either a solid choice for international travel.
Can I hold both the Citi Strata and the Citi Strata Elite?
In most cases yes — holding both is allowed and can be a smart strategy for maximizing rewards across different spending categories. Both cards are from Citi, so check their specific application rules.