Strata Elite
Authorized users $75 each (includes Priority Pass for the AU)
Credits 5
Every statement credit on this card, how often it comes back and when it resets. Together they’re worth up to $875 a year in cash credits, not counting ones you unlock by spending, points or free nights.
Every 6 months
Up to $100 in statement credits on Blacklane chauffeur bookings in January–June and another $100 in July–December.
Every year
Up to $300 off a prepaid 2+ night hotel stay booked at cititravel.com or 1-833-737-1288, applied at booking. Any unused remainder stays available for later bookings in the same calendar year (Eastern Time).
Condition: Prepaid hotel stay of 2+ nights booked through Citi Travel
Up to $200 in statement credits per calendar year at up to 2 activated brands: 1stDibs, American Airlines, Best Buy, Future Personal Training, Live Nation (exclusions apply for AA and Live Nation). You must activate the merchants first, and you can change them at any time.
How to activate: Pick up to 2 brands in the Splurge Credit section of your Citi account (or by phone) before you buy.
$145 banking relationship credit each year for Citigold clients. Citigold Private Clients get $595 in the first year, then $145. It posts within 3 billing cycles after the annual fee is charged.
Condition: Only for qualifying Citigold or Citigold Private Client banking customers
Every few years
A statement credit of up to $120 once every 4 years for the Global Entry or TSA PreCheck application fee.
Perks 4
Benefits you use rather than credits that post to your statement.
Unlimited visits to 1,500+ Priority Pass lounges with up to 2 guests free ($35 each after that). Lounges only: Priority Pass restaurants are not included. Authorized users get their own membership.
4 digital Admirals Club passes each calendar year for the primary cardmember, each good for 24 hours at any Admirals Club. Each adult guest uses a pass (up to 3 guests at once), up to 3 children under 18 get in free, and unused passes expire at year end.
Daily breakfast for 2, an experience credit of about $100 (varies by property), Wi-Fi, and early check-in, late checkout or an upgrade when available.
Free access to Death & Co's Fashioned cocktail and lifestyle content platform for the primary cardmember and authorized users 21 or older. You must register once with the card as the payment method.
Also included
- No foreign transaction fees
- Trip delay protection
- Enhanced trip cancellation/interruption
- Lost or damaged luggage
- MasterRental car rental coverage; extended warranty and Purchase Assurance Plus
Before you apply
Citi’s application rules, as reported by people who applied. Banks don’t publish most of these. All banks’ rules
Only one Citi application every 8 days, counting personal and business cards together. Applying again within 8 days gets declined. Citi counts declined applications too, and this app can’t see those.
At most two Citi applications in any 65-day stretch. A third application within 65 days gets declined, and declined applications count.
Roughly one Citi business card application every 90 to 95 days. Another business application inside that window gets declined.
Never miss one of these credits
Add the Strata Elite to Premium IC, our free app. It lists each credit with a checkbox, reminds you before they expire and shows whether the card earned its fee. Free.
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Last checked Oct 16, 2026. Spot something out of date? Tell us.