The Citi Strata Elite Card Just Dropped a Limited-Time 100,000-Point Offer
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Offer Status
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Every once in a while, a credit card bonus pops up that makes even seasoned travelers sit up and pay attention. This is one of those moments.
Citi just launched a limited-time welcome offer on its premium travel card, the Citi Strata Elite℠ Card, and it's one of the biggest bonuses we've seen from the bank in years.
If you've been eyeing a card that can unlock free flights, hotel stays, and luxury travel perks, this might be the best window yet.
What you get with the Citi Strata Elite℠ Card
Here's the deal: New cardholders can earn 100,000 bonus points after spending $6,000 in the first 3 months of account opening.
Those points can be worth $1,000 or more in travel, depending on how you redeem them. Think business-class flights, five-star hotels, or a full week of vacation paid for by your credit card.
Beyond the headline bonus, the Citi Strata Elite℠ Card comes with the type of benefits you'd expect from a top-tier travel card with a $595 annual fee:
- Airport lounge access through Priority Pass
- Annual hotel credit for select stays
- Travel protections like trip delay and lost luggage coverage
- And strong ongoing rewards on travel and dining
It's designed for travelers who want luxury perks without the ultra-exclusive hoops of something like the American Express Platinum Card®.
= Best
= Excellent
= Good
= Fair
= Poor
= Best
= Excellent
= Good
= Fair
= PoorEarn 100,000 bonus points after spending $6,000 in the first 3 months of account opening.
Good/Excellent (670-850)
Intro APR
Purchases: N/A
Balance Transfers: N/A
Regular APR
20.99% - 28.99% (Variable)
Rewards Earn 12 Points per $1 spent on Hotels, Car Rentals, and Attractions booked on cititravel.com and 6 Points per $1 spent on Air Travel booked on cititravel.com Earn 6 Points per $1 spent at Restaurants including Restaurant Delivery Services on CitiNights℠ purchases, every Friday and Saturday from 6 PM to 6 AM ET. Earn 3 Points per $1 spent any other time Earn 1.5 Points per $1 spent on All Other Purchases
1.5X-12X points
Annual Fee
$595
Welcome Offer For a limited time, earn 100,000 bonus Points after spending $6,000 in the first 3 months of account opening.
100,000 bonus points
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The Citi Strata Elite℠ Card is a premium travel card packed with earning power and high-end perks — ideal for frequent travelers who want to rack up points fast. You’ll earn up to 12X points on bookings made through cititravel.com and up to 6X on weekend dining with CitiNights℠. This card also offers a $300 annual hotel credit and, for a limited time, a generous 100,000-point welcome bonus. Taken together, these perks help offset the $595 annual fee.
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- Travel and dining rewards
- Hotel credit
- Welcome offer
- No foreign transaction fee
- Annual fee
- No 0% intro APR offer
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- For a limited time, earn 100,000 bonus Points after spending $6,000 in the first 3 months of account opening.
- Earn 12 Points per $1 spent on Hotels, Car Rentals, and Attractions booked on cititravel.com and 6 Points per $1 spent on Air Travel booked on cititravel.com
- Earn 6 Points per $1 spent at Restaurants including Restaurant Delivery Services on CitiNights℠ purchases, every Friday and Saturday from 6 PM to 6 AM ET. Earn 3 Points per $1 spent any other time
- Earn 1.5 Points per $1 spent on All Other Purchases
- Up to $300 Annual Hotel Benefit: Each calendar year, enjoy up to $300 off a hotel stay of two nights or more when booked through cititravel.com.
- No Foreign Transaction Fees
Big rewards where it matters most
Citi clearly built this card for people who spend heavily on travel and dining. The earning structure is among the richest we've seen from a major issuer:
- 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 on CitiNights℠ purchases, every Friday and Saturday from 6 PM to 6 AM ET. Earn 3 points per $1 spent any other time
- 1.5X points on all other purchases
That mix makes it a powerhouse for travelers who also like to go out on weekends. Even when you're not traveling, it still earns above-average rewards on everyday spending.
Lounge access and luxury perks
The Citi Strata Elite℠ Card also includes Priority Pass™ Select membership, giving you access to 1,500+ airport lounges worldwide once you enroll. These lounges offer complimentary food, drinks, wifi, and a quiet place to unwind. It's a nice touch for anyone who's tired of noisy gates and $9 airport coffees.
You'll also find travel protections, annual hotel credits, and premium concierge access benefits that put this card solidly in the same tier as travel heavyweights like the Chase Sapphire Reserve® or American Express Platinum Card®. Check out all the card details in our full review and apply today.
Why this deal won't last forever
Citi hasn't said exactly when the welcome offer of 100,000 bonus points ends, but "limited time" could mean weeks, not months. Once it's gone, expect it to drop back to the typical 60,000- to 70,000-point range.
If you've been waiting for the right reason to try Citi's premium card lineup, this is it -- but move quickly. The best credit card sign-up bonuses never hang around long.
Our Research Expert
Jake FitzGerald is a full-time Editorial Strategist and Personal Finance Writer at Motley Fool Money, leading content production and distribution while also writing about credit cards, bank accounts, and other financial products. He has more than a decade of experience editing and shaping financial content to give readers clear, trustworthy money advice. His work focuses on delivering practical insights that empower people to make smarter financial decisions. Off the clock, he’s a fan of college football tailgates and still loyal to his favorite putter -- despite what his short game suggests.
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