Citi

Strata Elite

AF $595

What it is

The Strata Elite is a Citi card earning ThankYou Points. For most, its value is mostly up front in the welcome bonus rather than ongoing perks. Citi's premium ThankYou card (successor to the old Prestige). Hotel, splurge, and Blacklane credits plus Priority Pass and Admirals Club day passes can cover most of the fee for a frequent traveler. ThankYou Points transfer to airline and hotel partners, now including American Airlines.

Offer history

Current offer

75,000

$1,125 bonus · $1,059 year 1

Spend to earn

$6k

~$2,000/mo · 90d

All-time high

100,000

Nov ’25

Timing

25% below

vs all-time high

Value over time

Plot

Year 1 (incl. perks)Bonus $Spend / mo (right)All-time highProduct refresh

Value is the welcome bonus at your valuations. The Year 1 total also counts recurring benefits and subtracts the annual fee. Spend / mo (the dashed line, right axis) is the monthly pace to clear the minimum spend in time — shown on every view so the spend stays in context.

Offer	Bonus	Value	Year 1	Return	Date
PUBLIC	75,000$6k · 90d	$1,125	$1,059	18%	Mar ’26
PUBLIC ATH	100,000$6k · 90d	$1,500	$1,434	24%	Nov ’25
PUBLIC	80,000$4k · 90d	$1,200	$1,134	28%	Jul ’25

What you get

Priority Pass + issuer loungesNo foreign transaction feesTrip cancellation insurance

$300 yearly hotel credit$300per year
Up to $300 each calendar year toward a hotel stay of two or more nights booked through Citi Travel.
Priority Pass$300per year
Priority Pass Select — unlimited member visits; 2 free guests, then paid (~$469/yr retail).
Blacklane ride credit$200per year
Up to $200 a year ($100 every six months) toward Blacklane chauffeured airport transfers.
Citi splurge credit$200per year
Up to $200 each calendar year in statement credits across up to two of: American Airlines, Best Buy, Live Nation, 1stDibs, or Future Personal Training.
Admirals Club✓ you have this$150per year
4 Admirals Club day passes per year (resets each calendar year).
Global Entry credit$120one-time
Up to $120 every four years toward a Global Entry or TSA PreCheck application fee, as a statement credit.

Dollar figures are the benefit’s face value. What it’s worth to you — after realistic usage and your own point values — is in the receipt below.

The receipt

standard values

SUB value	+$1,125
75,000 TYP ×
Benefits (Year 1)	+$529
↳ $1,270 at sticker value — before custom valuations Ongoing $300 yearly hotel credit($300 × ) $300 yearly hotel credit $300 × $135 $144 Blacklane ride credit($100/semi × ) Blacklane ride credit $100/semi × $110 One-time Global Entry credit($120 × ) Global Entry credit $120 × $30
Annual fee	−$595
Year 1	$1,059
Return for spending $6k	18%