Citi · Mastercard World Legend · Personal
Citi Strata Elite
A $595-a-year card earning ThankYou Points: 12× on 3 categories, 1.5× on everything else.
- Annual fee
- $595Charged every year
- Signup bonus
- 75,000 ≈ $1,250 in travel (our estimate)*
- Top rate
- 12×3 categories
- Point value
- 1.67¢ In travel · 1¢ as cash (our estimate)*
Year one and year two
Is it worth it for you?
Tick the credits you’d really use and enter what you spend. The ledger adds up the bonus, your points and the credits, less the fee.
| Line | Year one | Year two |
|---|---|---|
| Signup bonus 75,000 points · spend $6,000 on purchases in the first 3 months from account opening | $1,250 | – |
| Points on your spend Enter your spending | $0 | $0 |
| Credits you’d use None ticked yet | $0 | $0 |
| Annual fee Charged each year | −$595 | −$595 |
| NetYear one includes the bonus · at your inputs · our estimates* | $655 | −$595 |
The bonus needs $6,000 on purchases in the first 3 months from account opening.
Earning structure
6 categories, 4 rates
| Icon | Category | Points per $1 | Worth per $100 (our estimate)* |
|---|---|---|---|
| Car Rentals (Portal) | 12× | $20.00 | |
| Hotels (Portal) | 12× | $20.00 | |
| Travel (Portal) | 12× | $20.00 | |
| Airfare (Portal) | 6× | $10.00 | |
| Dining | 3× | $5.00 | |
| All Other | 1.5× | $2.50 |
The rest of the card
Details, rules and benefits
Card details
- Annual fee
- $595
- Card type
- Personal
- Network
- Mastercard World Legend
- Bank
- Citi
- Point system
- ThankYou Points
- Travel value (our estimate)*
- 1.67¢ per point
- Cash value (our estimate)*
- 1¢ per point
- Foreign transaction fee
- None
- Transfer partners
- Yes
- Travel portal redemption
- Yes
- Cash to travel
- No
Application rules5
- Citi 1/8
You'll be declined if you apply for a second Citi card (business and/or personal) within 8 days.
- Citi 2/65
You'll be declined if you apply for a third Citi card within 65 days
- Citi 6/6
You'll be declined if there are 6 or more hard inquiries on your credit report the past 6 months.
- No 5/24
Card approval not subject to 5-personal-cards-in-24-months rule
- 48 from Bonus
You'll be declined if you've received a bonus from this card in past 48 months.
Transfer partners19
- AeroMexico Rewards 1:1
- ALL Rewards 2:1
- American Airlines Miles 1:1
- Asia Miles 1:1
- Choice Privileges Rewards 1:1.5
- Emirates Skywards 5:4
- Etihad Guest Miles 1:1
- Flying Blue 1:1
- Flying Club 1:1
- I Prefer 1:2
- Infinity MileageLands 1:1
- KrisFlyer 1:1
- Leaders Club 5:1
- LifeMiles 1:1
- Miles & Smiles 1:1
- Qantas Frequent Flyer 1:1
- Royal Orchid Plus 1:1
- True Blue 1:1
- Wyndham Rewards 1:1
Ratio is ThankYou Points points to partner miles or points.
Benefits12 · 6 high value
- Airport Express Credits High valueGlobal Entry or TSA PreCheck
- Car Rental Insurance High valueSECONDARY Collision Damage Waiver
- Credits & Discounts High value+3x on Citi Nights Weekend Dining + 3 more credits & discounts benefits
- Lounge Access High value4 Admirals Club Passes + 1 more lounge access benefit
- Travel Protections Baggage Delay Insurance + 3 more travel protections benefits
Benefit details, terms, and availability may vary. Please refer to the card’s terms and conditions for complete information.
Alternatives
Head to head with similar cards
 Citi Strata Elite |  Citi Strata Premier |  Citi Strata |  Capital One Venture X | |
|---|---|---|---|---|
| Annual fee | $595 | $95−$500 | $0−$595 | $395−$200 |
| Signup bonus | 75,000 pts | 60,000 pts | 20,000 pts | 75,000 pts |
| Top rate | 12×3 categories | 10×3 categories | 5×3 categories | 10×Hotels (Portal), Car Rentals (Portal) |
| Travel value * | 1.67¢ThankYou Points | 1.67¢ThankYou Points | 1.67¢ThankYou Points | 1.7¢Capital One Miles |
| Why it’s here | This card | Same issuer and the same ThankYou Points | Same issuer and the same ThankYou Points, with no annual fee | A $395 annual fee, with transferable miles |
Citi Strata Premier
$95 fee (−$500) · 10× top60,000 pts bonusSame issuer and the same ThankYou Points
Citi Strata
$0 fee (−$595) · 5× top20,000 pts bonusSame issuer and the same ThankYou Points, with no annual fee
Capital One Venture X
$395 fee (−$200) · 10× top75,000 pts bonusA $395 annual fee, with transferable miles
Video and discussion
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* Point valuations are RICH with POINTS™ editorial estimates, averaged from published valuations by The Points Guy, Upgraded Points, and Frequent Miler. They are not issuer figures and do not represent guaranteed redemption value.
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