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 supply for brand new cardholders.
For a restricted time, you possibly can earn 80,000 bonus Citi ThankYou Rewards factors after spending $4,000 within the first three months from account opening. Based mostly on TPG’s August 2025 valuations, the welcome supply is price $1,520. Should you apply in particular person at a Citi department, you possibly can earn the next welcome supply of 100,000 ThankYou Rewards factors after assembly the identical spending necessities.
Moreover, the Strata Elite Card presents priceless assertion credit, most notable a “Splurge” credit score, which presents cardholders as much as $200 again in assertion credit each calendar 12 months.
This is every thing you must know concerning the Citi Splurge credit score, together with how you can activate it and the neatest methods to make use of it.
What’s the Citi Strata Elite Splurge credit score?
Every calendar 12 months, Citi Strata Elite Card members can earn as much as $200 in assertion credit on purchases at as much as two collaborating manufacturers. You needn’t enroll prematurely, 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 might earn $200 in credit by spending with American Airways alone, or you might 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 when you won’t buy with each. You possibly can change the retailers everytime you like.
The supply solely applies to eligible purchases made straight with the manufacturers, not by means of third-party sellers or resellers, which is particularly essential to notice for standard live performance tickets.
For American Airways purchases, AA Cargo, resort bookings, automobile leases or AAdvantage standing boosts don’t qualify for the Splurge credit score.
You will stand up to $200 in credit score in complete, and no minimal spend is required. When you make qualifying purchases, the credit score will submit to your account as a press release 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 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 sensible methods to make use of the credit score:
- E book 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 might 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, sensible residence gear or equipment, Greatest Purchase is a brilliant technique to max out the credit score rapidly.
- Rating live performance or occasion tickets by means of Stay Nation: With common ticket charges rising, it is a sensible technique to decrease the price of an evening out.
- Buy items with 1stDibs: Should you’re already an enormous spender on this class, the credit score generally is a small however significant kickback.
- Get personalised teaching with Future: This subscription-based health platform is not low cost, so $200 off goes a great 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 resort keep (minimal two-night reserving) when reserving by means of Citi Journey every calendar 12 months
- World Entry/TSA PreCheck credit score: As much as a $120 credit score each 4 years for a World 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 Go 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 helpful worth, particularly when you already store with or fly one of many eligible manufacturers. Whereas not as broad as journey credit from rivals like Chase or American Specific, it is a robust perk that helps offset the cardboard’s pretty excessive annual payment of $595.
Simply remember to maintain your spending restricted to 1 or two manufacturers per 12 months — in any other case, you danger leaving a part of the $200 on the desk.
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