Skip to main content
ADVERTISER DISCLOSURE: This site earns commissions from partner offers.Learn More
67.CREDIT - Find Your Perfect Credit Card
67.CREDIT may earn a commission when you apply through our links. Learn how we make money — it never influences our recommendations.

Citi Strata Elite℠ Card Rewards Calculator

On a typical $2,400/month spending mix, the Citi Strata Elite℠ Card earns about $589 a year — an effective 2.04% back. Its annual fee is $595.

Rate caveats: 12X on hotels and car rentals via CitiTravel; 6X on flights via CitiTravel.

Light spender — $1,200/month

CategoryMonthly spendRatePer year
Groceries$2201.5x$40
Dining$1406x$101
Travel$701.5x$13
Gas & transit$1001.5x$18
Online shopping$1201.5x$22
Streaming$201.5x$4
Everything else$5301.5x$95
Total$1,2002.03%$292

Typical spender — $2,400/month

CategoryMonthly spendRatePer year
Groceries$4301.5x$77
Dining$2906x$209
Travel$1401.5x$25
Gas & transit$1901.5x$34
Online shopping$2401.5x$43
Streaming$501.5x$9
Everything else$1,0601.5x$191
Total$2,4002.04%$589

Heavy spender — $4,500/month

CategoryMonthly spendRatePer year
Groceries$8101.5x$146
Dining$5406x$389
Travel$2701.5x$49
Gas & transit$3601.5x$65
Online shopping$4501.5x$81
Streaming$901.5x$16
Everything else$1,9801.5x$356
Total$4,5002.04%$1,102

First-year value

$589 rewards + $750 welcome bonus (75,000 points, as of July 2026) − $595 fee = $744

Wondering if the $595 fee pays for itself? See the breakeven math.

Try your own numbers

$430
$290
$140
$190
$240
$50
$1060
$2,400/mo → $589/yr with the Citi Strata Elite℠ Card (2.04% back)

How it stacks up in premium

APPLY NOWRead the full review

Source: 67.credit, “Citi Strata Elite℠ Card Rewards Calculator”, rates verified 2026-05-12 — 67.credit/card/citi-strata-elite/calculator