Citi Strata Elite

Citi Strata Elite card art

Citi · Credit card · Travel, airline & hotel

3.5 Debt Sunset rating vs. other travel, airline & hotel cards

Citi's premium travel card with lounge access and large Citi Travel bonuses.

Rates, fees and offers

Regular APR
20.74%–28.74% variable
Annual fee
$595
Promo offers
None currently advertised
Balance transfer fee
See Citi rates and terms
Rewards
Premium travel card: up to 12x on hotels, car rentals and attractions booked on Citi Travel; bonus points on dining; 1.5x everything else. Lounge access and travel credits.

Checked September 26, 2026. Offers and rates change often, and your APR depends on your credit. See the issuer’s current terms ↗

Notes

A $595 fee: only worth it if you use the credits. A rewards card for people who pay in full each month; carrying a balance at this APR costs more than the rewards earn.

Paying and contacting Citi

Pay online
online.citi.com
Customer service
1-800-842-6596 · 24/7 (lost/stolen line)
Lost, stolen or fraud
1-800-950-5114
Pay by mail
CITI CARDS
P.O. Box 70166
Philadelphia, PA 19176-0166

Always check this against the payment address on your own statement: issuers use different addresses by region and product, and a payment mailed to the wrong address can arrive late.

Billing disputes
Citi Cards
P.O. Box 6500
Sioux Falls, SD 57117

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