The all-new Citi Strata Elite℠ Card (see charges and charges) presents spectacular incomes charges, nice switch companion choices — together with American Airways AAdvantage — and a notable welcome bonus provide for brand spanking new cardholders.
For a restricted time, you’ll be able to earn 80,000 bonus Citi ThankYou Rewards factors after spending $4,000 within the first three months from account opening. Primarily based on TPG’s August 2025 valuations, the welcome provide is price $1,520. In case you apply in individual at a Citi department, you’ll be able to earn the next welcome provide of 100,000 ThankYou Rewards factors after assembly the identical spending necessities.
Moreover, the Strata Elite Card presents beneficial assertion credit, most notable a “Splurge” credit score, which presents cardholders as much as $200 again in assertion credit each calendar yr.
This is the whole lot you’ll want to know in regards to the Citi Splurge credit score, together with the best way to activate it and the neatest methods to make use of it.
What’s the Citi Strata Elite Splurge credit score?
Every calendar yr, Citi Strata Elite Card members can earn as much as $200 in assertion credit on purchases at as much as two taking part manufacturers. You needn’t enroll upfront, however you do want to decide on your manufacturers strategically.
The eligible retailers for 2025 embrace:
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- 1stDibs (promoting luxurious furnishings, jewellery and artwork)
- American Airways
- Greatest Purchase
- Future Private Coaching
- Stay Nation (occasion tickets and experiences)
Cardholders can earn assertion credit at anyone or two of those retailers, however not throughout all 5.
So, for instance, you would earn $200 in credit by spending with American Airways alone, or you would break up it between Greatest Purchase and Stay Nation.
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How the Splurge credit score profit works
Cardmembers should sign up to their accounts and nominate which one or two Splurge retailers they want to choose. It is a good suggestion to decide on two, even for those who may not buy with each. You may change the retailers everytime you like.
The provide solely applies to eligible purchases made immediately with the manufacturers, not by third-party sellers or resellers, which is particularly essential to notice for well-liked live performance tickets.
For American Airways purchases, AA Cargo, resort bookings, automotive leases or AAdvantage standing boosts don’t qualify for the Splurge credit score.
You may stand up to $200 in credit score in whole, and no minimal spend is required. When you make qualifying purchases, the credit score will publish to your account as a press release credit score.
In line with Citi’s web site, it’s essential to activate your chosen service provider(s), and purchases made by each the first cardmember and approved customers are eligible for Splurge credit.
Greatest methods to make use of the Splurge credit score
Citi is aiming this profit at cardholders who worth journey, tech and experience-based spending. Listed here are some good methods to make use of the credit score:
- Ebook a flight or pay for ancillary charges with American Airways: Now you could switch your ThankYou Rewards factors to AAdvantage at a 1:1 price, this may be an effective way to pay any charges, taxes and surcharges required for award redemptions.
- Up your tech recreation from Greatest Purchase: Whether or not you are searching for headphones, good residence gear or equipment, Greatest Purchase is a brilliant approach to max out the credit score rapidly.
- Rating live performance or occasion tickets by Stay Nation: With common ticket charges rising, it is a sensible approach to decrease the price of an evening out.
- Buy items with 1stDibs: In case you’re already a giant spender on this class, the credit score could be a small however significant kickback.
- Get personalised teaching with Future: This subscription-based health platform is not low-cost, so $200 off goes a good distance.
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What different credit does the cardboard provide?
As a brand new premium bank card, the Citi Strata Elite Card comes with different advantages, together with:
- Lodge credit score: As much as $300 off one pay as you go resort keep (minimal two-night reserving) when reserving by Citi Journey every calendar yr
- International Entry/TSA PreCheck credit score: As much as a $120 credit score each 4 years for a International Entry or TSA PreCheck utility payment
- Blacklane credit score: As much as $100 in biannual credit score (as much as $200 yearly) for Blacklane chauffeur bookings
- Lounge entry: Complimentary Precedence Move Choose lounge entry and 4 Admirals Membership passes yearly
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Backside line
The brand new Citi Strata Elite Splurge credit score is versatile and presents useful worth, particularly for those who already store with or fly one of many eligible manufacturers. Whereas not as broad as journey credit from opponents like Chase or American Specific, it is a robust perk that helps offset the cardboard’s pretty excessive annual payment of $595.
Simply make sure you preserve your spending restricted to 1 or two manufacturers per yr — in any other case, you threat leaving a part of the $200 on the desk.
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