The Citi Strata Elite℠ Card (see rates and fees) is Citi's premium travel rewards card, offering strong earning rates, travel and lifestyle credits and access to Citi ThankYou Rewards transfer partners.
If you're thinking about adding it to your wallet, new Citi Strata Elite Card holders can currently earn 75,000 bonus points after spending $6,000 on purchases in the first three months from account opening.
Before you apply, though, it's worth understanding Citi's application rules and whether you're eligible for the welcome bonus.
Here's what you need to know about welcome offer restrictions before submitting an application.
Citi Strata Elite Card welcome offer
First, let's get into what this welcome bonus entails.
New Citi Strata Elite Card holders can earn 75,000 bonus points after spending $6,000 on purchases in the first three months from account opening.
TPG's July 2026 valuations place Citi ThankYou Rewards points at 1.9 cents apiece, meaning this welcome offer is worth $1,425.
Related: Citi adds American Airlines as a 1:1 transfer partner, offers Admirals Club passes on brand-new card
Am I eligible for the Citi Strata Elite's welcome bonus?
If you've decided to apply for the Citi Strata Elite and earn its welcome offer, you may have a few specific questions related to bonus eligibility. We have you covered with the answers to some commonly asked questions.
What credit score do I need for the Citi Strata Elite?
TPG recommends a minimum score of 670 to be approved for the Citi Strata Elite, though some with lower scores may still be approved.
If your credit score is too low or you're still building credit history, you should hold off on getting the Strata Elite and instead go for a starter card.
What are Citi's application rules for new cards?
In general, Citi doesn't limit how many cards you can have from the bank.
However, your overall credit across all Citi cards could be limited. So, if you run into this issue, a quick call to Citi's reconsideration line should help you get approved by moving credit from one Citi card to a new one. Citi's number for checking your application status is 1-866-606-2787.
Citi also limits how frequently you can earn a welcome bonus on one of its cards. Once you earn a bonus on a Citi card, you'll have to wait 48 months to earn the welcome bonus again.
Because the Citi Strata Elite is a distinct product, previously earning a welcome bonus on another Citi ThankYou Rewards card — including the Citi Prestige® Card (no longer available to new applicants) — doesn't automatically prevent you from earning the Citi Strata Elite welcome offer.
The information for the Citi Prestige has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.
What if I already have other Citi cards?
You're eligible for the bonus on the Citi Strata Elite even if you hold other Citi cards and have earned bonuses on them. This includes the Citi Prestige, so that's good news for current Citi cardholders.
What if I also want to apply for the Citi Strata Card?
The Citi Strata℠ Card (see rates and fees) — previously known as the Citi Rewards+® Card — is a no-annual-fee card that earns Citi ThankYou Rewards points and comes with its own welcome bonus.
The information for the Citi Rewards+ Card has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.
New cardholders can earn 20,000 bonus points after spending $1,000 on purchases in the first three months from account opening.
It's possible to apply for both the Citi Strata Elite and the Citi Strata to earn a larger stash of Citi ThankYou Rewards points. Eligible applicants can also earn both welcome bonuses.
Just keep Citi's application timing rules in mind. In general, you can only apply for one Citi card (personal or business) every eight days, and you won't be approved for more than two cards in a 65-day window.
The only stipulations are that you won't be able to earn the welcome offer on the Citi Strata if you received a new bonus for a Citi Rewards+ account in the past 48 months or converted another Citi card that you'd earned a bonus on in the last 48 months into a Citi Strata or Citi Rewards+ account. These restrictions do not apply to the Citi Strata Elite.
Related: New Citi Strata Card now accepting applications
Bottom line
New applicants to the Citi Strata Elite should be pleased with the limited restrictions on earning the card's 75,000-point welcome bonus.
Applicants who are approved for the Strata Elite will receive the bonus as long as they meet the spending requirement. This card features several valuable perks and could be a solid addition to a frequent traveler's wallet.
To learn more, read our full review of the Citi Strata Elite.
Apply here: Citi Strata Elite Card
Editorial disclaimer: Opinions expressed here are the author’s alone, not those of any bank, credit card issuer, airline or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.
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