Citi Strata Elite
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Annual Fee: $595
Highest Offer: 100,000 bonus ThankYou Points after you spend $6,000 on purchases in the first 3 months
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12x points on hotels, car rentals, and attractions booked on cititravel.com
6x points on air travel booked on cititravel.com
6x points at restaurants, including restaurant delivery services, every Friday and Saturday from 6 p.m. to 6 a.m. ET, and 3x points any other time
1.5x points on all other purchases
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Complimentary Priority Pass membership
4 American Airlines Admirals Club passes every calendar year
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Up to $300 annual hotel benefit. $300 off a hotel stay of 2 nights or more booked through Citi Travel
Up to $200 annual Splurge credit. Earn up to $200 in statement credits on your choice of up to 2 of the following brands: 1stDibs, American Airlines (exclusions apply), Best Buy, Future Personal Training, and Live Nation (exclusions apply).
Up to $200 annual Blacklane credit. Up to $200 in annual statement credits when booking with Blacklane (a global chauffeur service), with up to $100 from January through June, and up to $100 from July through December.
Global Entry or TSA PreCheck credit
Card Highlights
12x points on hotels, car rentals, and attractions booked on cititravel.com
6x points at restaurants, including restaurant delivery services, every Friday and Saturday from 6 p.m. to 6 a.m. ET, and 3x points any other time
1.5x points on all other purchases
Citi ThankYou Point Transfer to partners like American Airlines 1:1
Is the Card Worth It After the 1st Year Sign Up Bonus?
$300 Hotel Credit + $200 Splurge Credit + $200 Blacklane Credit = $700 Usable Annual Credit
$595 Annual Fee - $700 Usable Annual Credit = -$105 Effective Annual Fee
If you can use all the credits, this card will be paying you money plus all the other benefits.
Plus this card unlocks the transfer partners.
Notes
There is also a $95/year Citi Strata Premier credit card.
Three different Citi Strata cards, $0/$95/$595 Annual Fee.
The Citi Strata $0 annual fee version comes with limited transfer partners. For complete and better transfer partners, get the Citi Strata Premier or the Citi Strata Elite.