Citi Strata Elite Card Now Live Online
Citi shared recently that the Citi Strata Elite card will launch in Q3, and now the card is live only conforming most of the leaked details. The bonus online is 80K, but you can get a bonus of 100K points if you apply at a branch. The annual fee is $595 and cardholders can get “nearly $1,500 in value”. Transfers to American Airlines are also live now. Check out the full details below.
🔃 Update: New 100K link added. You can possibly get an application emailed to you from Citi bankers as well if you call. There were rumors that the 100K offer might end on 7/31 but the link below is still working. One of our readers also got info from a banker that the offer “will be available for quite a while”.
Signup Bonus
These are the two offers that are currently available:
- New customers who apply at a Citi retail branch and are approved for the Citi Strata Elite Card can earn 100,000 bonus ThankYou Points after spending $4,000 within the first 3 months of account opening. DIRECT LINK (HT: USCF)
- New customers who apply online and are approved for the Citi Strata Elite Card can earn 80,000 bonus ThankYou Points after spending $4,000 within the first 3 months of account opening. DIRECT LINK
The online offer is only 80K, but you can get 100K in-branch. Even if you don’t have a branch nearby, you can try calling one and they can send you an application link for 100K.
Bonus ThankYou Points are not available if you have received a new account bonus for a Citi Strata Elite account in the past 48 months or if you converted another Citi credit card account on which you earned a new account bonus in the last 48 months into a Citi Strata Elite.
Annual Fee
- Annual Fee: $595 ($75 for AUs)
- $145 Annual Fee discount with CitiGold ($200K+ balance)
- Waived fee the first year, and $145 discount after that with Citi Private Client ($1M+ assets)
Earning Rates
- 12x ThankYou Points for each $1 spent on hotels, car rentals, and attractions booked through Citi Travel® via cititravel.com or 1-833-737-1288 (TTY:711).
- 6x ThankYou Points for each $1 spent on air travel booked through Citi Travel® via cititravel.com or 1-833-737-1288 (TTY:711).
- 6x ThankYou Points for each $1 spent at restaurants, including restaurant delivery services, for purchases authorized between Friday 6:00 PM through Saturday 6:00 AM ET, and Saturday 6:00 PM through Sunday 6:00 AM ET (“Citi Nights”). Citi Nights eligibility is based on the day and time your restaurant purchase is authorized, not when the transaction is posted to your Account.
- 3x ThankYou Points for each $1 spent at restaurants, including restaurant delivery services, for purchases authorized at any time outside of Citi Nights.
- 1.5x ThankYou Points for each $1 spent on all other purchases.
Perks & Benefits
- $300 Annual Hotel Benefit: Once per calendar year, enjoy up to $300 off a hotel stay of 2 nights or more when booked with Citi Travel via cititravel.com or 1-833-737-1288 (TTY:711). To receive the annual hotel benefit, you must pre-pay for your complete stay with your Citi Strata Elite Card, ThankYou® Points, or a combination thereof. If you choose to use the benefit, up to $300 will be applied to your reservation at the time of booking. If your reservation is less than $300, the remaining amount of the annual hotel benefit will be available for your next qualifying purchase in that same calendar year. If your hotel purchase qualifies for the $300 Annual Hotel Benefit, you won’t earn points on the portion of the purchase that is offset by the benefit.
- Up to $200 Annual Splurge Credit’™ on Eligible Brands: Every calendar year, earn up to $200 in statement credits on your choice of up to 2 of the following brands: 1stDibs, American Airlines (exclusions apply), Best Buy, Future Personal Training and Live Nation (exclusions apply). Once a Splurge Credit merchant is activated, credits will be issued for purchases at the activated merchant that post to the Citi Strata Elite Card, up to a total of $200 each calendar year.
- Priority PassTM Select Lounge Membership: Your Priority Pass Select membership includes access to airport lounges participating in the Priority Pass Select network but does not include benefits at restaurants, cafes, or markets in the network.
- Four Admirals Club® Citi Strata Elite Passes to American Airlines Admirals Club® Lounges: The primary cardmember must redeem one Pass to enter an Admirals Club lounge and may redeem available passes for each accompanying adult 18 years of age or older. The primary cardmember may redeem all four passes in one visit to bring in a maximum of three adult guests.
- Global Entry® Or TSA Precheck® Application Fee Credit: Up to $120 every four years.
- $200 Annual Blacklane Credit Every calendar year: Ride in style with up to $200 in statement credits toward a chauffeur service with Blacklane. Earn up to $100 in the first half of the year and up to $100 in the second half of the year.
- Access to The Reserve by Citi Travel.
More
- Transfers to American Airlines are now live at 1:1 transfer ratio.
- Citi Strata Elite is the first product in the new top tier World Legend Mastercard.
- Strata Lounge access when/if these lounges actually get built
- Citi Prestige cardmembers can continue to use their card as they normally would. There are no changes to the Citi Prestige Card and its benefits.
Guru’s Wrap-up
The card is finally here and available for applications online. We already knew most of the details and the only surprise is that you can already transfer points to American Airlines.
The card is somewhat interesting, but the 80K bonus is a big let down. That’s quite low for a premium card with a $595 annual fee. The bonus is better for those who apply in-branch, at 100K points with the same requirements.
They’re trying some unique things with Splurge Credit and Citi Nights, but especially the latter will likely be a mess when it comes to tracking it correctly. At least it looks like these credit will be based on calendar year. So double-dips or maybe triple-dips could be possible if timed right.
Excited? Let us know in the comments!
HT: Chris
