Citi Strata Elite® Card: annual fee, APR and rewards

Fact sheet for the Citi Strata Elite® Card, issued by Citi, with a $595 annual fee and points. Every detail below comes from the issuer’s pricing and terms pages, checked on the date shown at the end of the page.

Issuer	Citi
Network	Mastercard
Annual fee	$595 a year
Fee waiver	$595 annual fee; Authorized User annual fee $75
Rewards	Points: 12 points per dollar spent on Hotels, Car Rentals, and Attractions booked on cititravel.com; 6 points per dollar spent on Air Travel booked on cititravel.com; 6 points per dollar spent at Restaurants on Citi Nights® purchases, Friday and Saturday from 6 PM - 6 AM ET; 3 points per dollar spent at Restaurants any other time; 1.5 points per dollar spent on All Other Purchases
Purchase APR	The variable APR for purchases, and balance transfers is 20.74% - 28.74%, based on your creditworthiness.
Balance transfer fee	Either $5 or 5% of the amount of each transfer, whichever is greater
Sign-up bonus	Earn 75,000 bonus points after spending $6,000 in the first 3 months
Foreign transaction fee	None
Credit level	Excellent, Good (tiers the issuer reports to the CFPB)

What new cardholders actually got

In the CFPB's Terms of Credit Card Plans survey for July to December 2025, new accounts on this card got a median purchase APR of 24.49%, with a range of 20.49% to 28.49%. The advertised range above is what the issuer offers today; the survey shows where approved applicants landed.

Source: Consumer Financial Protection Bureau, Terms of Credit Card Plans survey.