The all-new Citi Strata Elite℠ Card (see charges and charges) gives spectacular incomes charges, nice switch companion choices — together with American Airways AAdvantage — and a notable welcome bonus supply for brand new cardholders.
For a restricted time, you may 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 supply is value $1,520. In case you apply in individual at a Citi department, you may earn the next welcome supply of 100,000 ThankYou Rewards factors after assembly the identical spending necessities.
Moreover, the Strata Elite Card gives precious assertion credit, most notable a “Splurge” credit score, which gives cardholders as much as $200 again in assertion credit each calendar yr.
This is every little thing it’s essential know in regards to the Citi Splurge credit score, together with the 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 embody:
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1stDibs (promoting luxurious furnishings, jewellery and artwork)American AirlinesBest BuyFuture Private TrainingLive Nation (occasion tickets and experiences)
Cardholders can earn assertion credit at anybody or two of those retailers, however not throughout all 5.
So, for instance, you may earn $200 in credit by spending with American Airways alone, or you may break up it between Greatest Purchase and Reside Nation.
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How the Splurge credit score profit works
Cardmembers should check in 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 if you happen to won’t buy with each. You possibly can change the retailers everytime you like.
The supply solely applies to eligible purchases made immediately with the manufacturers, not by means of third-party sellers or resellers, which is particularly essential to notice for widespread live performance tickets.
For American Airways purchases, AA Cargo, lodge 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 complete, and no minimal spend is required. When you make qualifying purchases, the credit score will publish to your account as an announcement credit score.
In line with Citi’s web site, you need to activate your chosen service provider(s), and purchases made by each the first cardmember and licensed 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 below are some good methods to make use of the credit score:
Ebook a flight or pay for ancillary charges with American Airways: Now that you would be able to switch your ThankYou Rewards factors to AAdvantage at a 1:1 charge, this is able to be a good way to pay any charges, taxes and surcharges required for award redemptions.Up your tech sport from Greatest Purchase: Whether or not you are searching for headphones, good house gear or equipment, Greatest Purchase is a great technique to max out the credit score rapidly.Rating live performance or occasion tickets by means of Reside Nation: With common ticket charges rising, it is a sensible technique to decrease the price of an evening out.Buy items with 1stDibs: In case you’re already an enormous spender on this class, the credit score could be a small however significant kickback.Get customized 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 supply?
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 lodge keep (minimal two-night reserving) when reserving by means of Citi Journey every calendar yearGlobal Entry/TSA PreCheck credit score: As much as a $120 credit score each 4 years for a International Entry or TSA PreCheck utility feeBlacklane credit score: As much as $100 in biannual credit score (as much as $200 yearly) for Blacklane chauffeur bookingsLounge entry: Complimentary Precedence Cross 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 gives useful worth, particularly if you happen to already store with or fly one of many eligible manufacturers. Whereas not as broad as journey credit from rivals like Chase or American Categorical, it is a robust perk that helps offset the cardboard’s pretty excessive annual price of $595.
Simply remember to maintain 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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