Citi Strata Elite® Card
Worth ~1.7¢/pt, median of 6 published valuations
- AwardWallet 2.35¢
- The Points Guy 1.9¢
- NerdWallet 1.7¢ (NerdWallet’s figure for Strata Premier/Elite holders (1.2¢ for other Citi cards))
- One Mile at a Time 1.7¢
- Upgraded Points 1.6¢
- Frequent Miler (RRV) 1.5¢
Range 1.5–2.35¢. No published value from Bankrate. Checked 2026-10-23. How we use these
See the offer on Citi’s site ↗ Run your own numbers
Source: Citi card page · checked October 23, 2026. *Value uses our sample profile ($31,100/yr spend, no favorite airline or hotel) and the community value of 1.7¢ per point (median of published valuations) — see method.
Credits & perks
- Citi also states $769/yr of value for perks such as lounge access (listed below, not in this total)
Which would you actually use?
Our assumption: the boxes ticked to start are the “easy” credits: broad, flexible or automatic (general travel credits, airline-fee credits on any airline, Global Entry/TSA, anniversary free nights). Niche or single-merchant credits start unticked. Your choices are saved in this browser and also used by the calculator.
Counts each ticked credit at 100% of face value. Global Entry/TSA counts as a quarter a year. Free nights use our point values. *At our sample profile; how credits are counted.
Source: Citi card page and benefit terms · checked 2026-10-23.
Is the Citi Strata Elite worth the $595 annual fee?
It depends on your use: how much you spend and which credits you’d genuinely use. Here is the site’s own math from Citi’s page (checked October 23, 2026) and the median of 6 published valuations (1.7¢). Year 2+ value is each year after the first, after the fee, at our sample profile ($31,100/yr spend).
| Annual fee | $595 |
|---|---|
| Stated credits a year (face value) | $730 |
| Earning a year at our sample profile (incl. any annual bonus points) | $915 |
| Year 2+ value, no credits used | $320 |
| Year 2+ value, easy credits only (our default, $30) | $350 |
| Year 2+ value, every stated credit used ($730) | $1,050 |
On this spending the earning alone covers the fee. This compares the card with having no card; a no-fee card would also earn something on the same spend. Tick the credits you’d use in Credits & perks or run your own numbers.
How it earns
- 12x Travel booked on the card’s own travel site
- 3x Dining & takeout
- 1.5x everything else
- 12x hotels, car rentals and attractions and 6x air travel on cititravel.com; 6x restaurants Fri/Sat 6pm–6am ET, otherwise 3x (we model 3x).
Offer details
- 75,000 points after $6,000 in 3 months
Annual fee $595. Credits from the issuer page are in Credits & perks above.
Questions about the Citi Strata Elite
What is the Citi Strata Elite welcome bonus?
75,000 points after $6,000 in 3 months, about $1,275 at the median published point value, per Citi’s card page checked October 23, 2026.
What is the Citi Strata Elite annual fee?
$595 a year, as listed on Citi’s page on October 23, 2026.
How much are its points worth?
About 1.7¢ each: the median of 6 published valuations (range 1.5–2.35¢), checked October 23, 2026.
What credits does the Citi Strata Elite include?
$730 a year in stated credits at face value, across 4 credits. By our default (only easy, flexible credits) you’d use $30, so the yearly cost after year 1 is $565.
Is the Citi Strata Elite worth the $595 annual fee?
It depends on your use. On Citi’s figures (checked October 23, 2026) the fee is $595 a year against $730 a year in stated credits at face value. At our sample profile ($31,100 a year of spending) its earning (including any annual bonus points) is worth about $915 a year at 1.7¢ per point, so Year 2+ value is $320 if you use none of the credits, $350 with only the easy credits we count by default, and $1,050 if you’d use every stated credit in full. On this spending its earning covers the fee even before credits. These figures compare the card with having no card; a no-fee card would also earn something on the same spend.
The math at our sample profile
Sample: Dining & takeout $4,800 · Groceries $7,200 · Gas & EV charging $2,400 · Flights (booked with the airline) $2,000 · Hotels (booked with the hotel) $1,500 · Other travel $1,200 · Everything else $12,000. Credits: our default “easy” ticks.
| Welcome bonus: 75,000 points × 1.7¢ | $1,275 |
|---|---|
| A year of earning: 53,850 points × 1.7¢ | $915 |
| Global Entry / TSA PreCheck / NEXUS application fee credit ($120 ÷ 4 yrs) | $30 |
| Annual fee | −$595 |
| First year / Year 2+ | $1,625 / $350 |
Verify everything on the issuer’s site before applying; offers change and may differ for you. We don’t list APRs: see the issuer’s pricing & terms. TravelCardMath earns nothing from this card today.