The Citi Strata Elite edges out the Citi Strata for most cardholders — it wins on 3 of 4 comparison categories and offers 100,000 pts signup bonus earns more (up to 12x vs 5x). The Citi Strata is the better choice if you want no or lower annual fee.
Citi Strata vs Citi Strata Elite
Side-by-side comparison of fees, rewards, benefits, and transfer partners.
- 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
- Hotel Benefit $300
- Splurge Credit $200
- Blacklane Credit $200
- +3 more
- Priority Pass Select
- Hertz Five Star Status
- 25% Points Bonus on Portal Redemptions
- AAdvantage
- AAdvantage
- Accor Live Limitless
- Accor Live Limitless
- Avianca LifeMiles
- +33 more
- AAdvantage
- AAdvantage
- Accor Live Limitless
- Accor Live Limitless
- Avianca LifeMiles
- +33 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.