Citi Strata Elite Benefits 2026
Complete list of all Citi Strata Elite benefits. The $595 annual fee includes hotel credits, AA lounge passes, and up to 12x points on travel.
Reviewed August 1, 2026 · Official issuer sources
Maintained card catalog
Current card facts
- Annual fee
- $595
- Rewards
- ThankYou Points
Recurring benefit windows
- Lyft CreditsUp to $5 · Monthly
- Peacock Subscription CreditUp to $5.99 · Monthly
- Blacklane CreditUp to $100 · Semi-annual
- Admirals Club Passes4 uses · Calendar year
- Annual Hotel BenefitUp to $300 · Calendar year
- Splurge CreditUp to $200 · Calendar year
Earning rules
- 1.5xAll other purchases
- 12xHotels booked through cititravel.com
- 12xCar rentals booked through cititravel.com
- 12xAttractions booked through cititravel.com
- 6xAir travel booked through cititravel.com
- 6xAt restaurants during Citi Nights (Fri-Sat 6 PM - 6 AM ET)
- 3xAt restaurants any other time
Airport Lounge Access
Priority Pass Select
Complimentary Priority Pass Select membership is available to the primary cardmember and authorized users. Participating lounges, capacity limits, guest privileges, and additional-guest fees are governed by the current program terms.
American Airlines Admirals Club
Four Admirals Club Citi Strata Elite passes are issued each calendar year for eligible Admirals Club access. Review the current pass, boarding-pass, and eligible-location requirements before a visit.
Hotel Benefits
The Reserve by Citi Travel
Access to curated luxury hotel properties with benefits including:
- $100 experience credit
- Complimentary breakfast for two
- Room upgrade when available
- Early check-in when available
- Late check-out when available
Travel Insurance & Protections
Car Rental Insurance
Mastercard MasterRental coverage is included for eligible rentals. Coverage territory, vehicle, payment, and collision-waiver requirements are governed by the current guide to benefits.
Trip Protection
- Trip Delay Protection: Coverage for trip delays when travel is purchased with your card
- Trip Cancellation/Interruption: Enhanced coverage for trip cancellation or interruption
- Lost/Damaged Luggage: Coverage for lost or damaged luggage
Purchase Protections
- Extended Warranty: Extends manufacturer warranty on eligible purchases
- Purchase Assurance Plus: Coverage against damage or theft for a limited time
- Mastercard ID Theft Protection: Free identity theft monitoring and alerts
Other Benefits
- No Foreign Transaction Fees
- Citi Entertainment: Presale tickets and exclusive experiences for concerts, sports, and more
- Citi Quick Lock: Instantly block new charges on a misplaced card
- 24/7 Customer Service: Available 365 days a year
Citi Strata Elite vs. Amex Platinum
Key differences between these premium cards:
| Feature | Strata Elite | Amex Platinum |
|---|---|---|
| Annual Fee | $595 | $895 |
| Hotel Credit | $300 | $600 |
| Lounge Access | Priority Pass + 4 AA passes | Priority Pass + Centurion + Delta |
| Hotel Status | None | Marriott Gold, Hilton Gold |
| Top Earn Rate | 12x on Citi Travel | 5x on flights |
Is the Citi Strata Elite Worth It?
The Citi Strata Elite is best for travelers who book through Citi Travel (for 12x earning), fly American Airlines (for AA lounge passes), and want flexible credits. The $595 annual fee can be offset by:
- $300 hotel credit (must book through Citi Travel)
- $200 Blacklane credit
- $200 Splurge credit (choose your brands)
- Four annual Admirals Club passes, valued only when you would otherwise pay to visit
Do not add every headline credit at face value. Compare the hotel, Blacklane, Splurge, and lounge value you actually capture with the annual fee, and account for portal or brand restrictions before making a renewal decision.
FAQ
What are the Citi Strata Elite benefits?
The Citi Strata Elite benefits include: $300 annual hotel credit at cititravel.com, $200/year Blacklane chauffeur credit, $200/year Splurge credit (1stDibs, AA, Best Buy, Future, Live Nation), 4 American Airlines Admirals Club passes per year, Priority Pass Select membership, Global Entry/TSA PreCheck credit, 12x points on hotels/cars/attractions via Citi Travel, 6x on flights and Citi Nights dining, and The Reserve by Citi hotel program. The card has a $595 annual fee.
What lounge access does Citi Strata Elite include?
Citi Strata Elite includes Priority Pass Select membership for the primary cardmember and authorized users, plus four American Airlines Admirals Club Citi Strata Elite passes per calendar year. Participating lounges, capacity limits, guest privileges, and additional-guest fees can change, so confirm the current program terms before travel.
How does the Citi Strata Elite hotel credit work?
The Citi Strata Elite $300 annual hotel credit applies to hotel stays of 2+ nights booked through cititravel.com. The credit resets at the calendar year end. You must book through Citi Travel portal to receive the credit.
What is the Citi Strata Elite Splurge credit?
The Splurge credit is $200/year that you can use at up to 2 brands of your choice: 1stDibs (luxury goods), American Airlines (flights), Best Buy (electronics), Future (personal training), or Live Nation (concerts/events). You select your brands and enrollment is required.
What are Citi Nights dining benefits?
Citi Nights is a dining bonus on the Strata Elite: earn 6x points at restaurants during Citi Nights hours (Friday and Saturday from 6 PM to 6 AM ET). Outside Citi Nights hours, restaurants earn 3x points. This makes weekend dining particularly rewarding.
Sources
- Citi Strata Elite card page - Official card benefits and ThankYou Rewards positioning.
- Citi Strata Elite launch details - Issuer announcement describing major card benefits.
Reviewed August 1, 2026. Terms can change after publication. Confirm eligibility, enrollment, and account-specific terms with the issuer before acting.
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