Citi · card facts

Citi Strata Elite

Premium travel card; modeled credit value is discounted for restrictions.

WELCOME BONUS75k pointsSpend $6,000

ANNUAL FEE$595First year: $595

CREDITSOK$500/yr advertised

LOUNGE ACCESSPriority Pass SelectVaries by card

Dollar estimates below use $3,000/month benchmark spending and TPG's August 2026 points/miles valuation. Lounge visits are not assigned a dollar value.

Year 1 · best case

+$2,493

Welcome bonus · TPG est.+$1,425

Full advertised annual credits+$500

Rewards on $36,000 benchmark spend+$1,163

First-year annual fee−$595

Keep / year · best case credits

+$1,068

Definitely keep

This recurring estimate uses the full advertised credit amount. The OK label tells you how realistic it may be to capture all $500 of those credits.

Advertised credits$500

Credit difficultyOK

TPG Aug. 2026 value1.90¢

Annual fee$595

Fee minus advertised credits$95 cost

Credit details

$500 advertised per year · OK to use fully

Card creditsVaries · Varies difficulty

$500 advertised

See issuer terms for eligible purchases, timing and restrictions.

Lounge access

Priority Pass Select

Participating Priority Pass lounges; card-specific guest rules apply.

Guest ruleVaries by card

Compare all cards →Read the methodology

Offer accuracy: Card offers and benefits change. Verify current issuer terms before applying. The credit amount shown is the advertised total; difficulty labels warn about restrictions rather than discounting the credit to a made-up personal value. Affiliate disclosure.