Citi credit cards just took a bold leap with the release of the new Citi Strata Elite, shaking up the premium rewards space as of July 27, 2025. Announced with fanfare, the Strata Elite is Citi’s most ambitious offering to date, designed to rival established luxury cards from American Express and Chase.
The Citi Strata Elite arrives with a $595 annual fee—less than other premier competitors—but packs substantial perks for frequent travelers and consumers seeking exclusive lifestyle benefits. Features include:
- 12x points per dollar on hotels, car rentals, and attractions booked through Citi Travel
- 6x points on airfare (booked via Citi Travel) and restaurant spending during select times
- Up to $300 hotel benefit for stays of two nights or more (booked through Citi Travel)
- $200 annual “splurge” credit usable at popular brands like Best Buy, Live Nation, or American Airlines
- Priority Pass lounge access and four Admirals Club passes per year
- Over $800 in statement credits each year
- 1:1 points transfer to American Airlines AAdvantage, plus other major travel partners
A first in the Mastercard lineup, it’s issued as a World Legend card, unlocking priority restaurant reservations and exclusive global event access. Additional users can be added for $75 each and receive their own travel perks.
Must Read-Citi Strata Elite Launches: Citi’s Premium Credit Card Shakes Up the Market
Citi’s move is a direct play for affluent consumers who demand top-tier travel and lifestyle rewards but want flexibility in how they redeem points. With the Strata Elite, Citi aims squarely at those who may be tiring of “coupon book”-style credits and prefer straightforward, high-value benefits.
| Feature | Citi Strata Elite | Amex Platinum | Chase Sapphire Reserve |
|---|---|---|---|
| Annual Fee | $595 | $695 | $795 |
| Hotel Credit | Up to $300 | Up to $200 | Up to $300 |
| Priority Pass Lounge | Yes | Yes | Yes |
| Transfer to AA Miles | Yes | No | No |
Citi credit cards have always aimed for versatility, but the new Strata Elite pushes the envelope for those who want serious rewards. The launch reflects Citi’s renewed focus on capturing the loyalty of discerning, travel-savvy cardholders. Will the new card shake up your wallet? Share your thoughts in the comments and let us know what you think about Citi’s latest move.