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Limited Time Citi Strata Elite Card 100K Points Online Welcome Bonus

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Link: Learn more about the Citi Strata Elite℠ Card

The Citi Strata Elite℠ Card (review) is Citi’s recently launched premium credit card. Up until now, the card has been offering more bonus points when applying in a Citi branch than when applying online, but that’s no longer the case, as we’ve just seen an elevated online offer introduced. Let’s cover all the details.

Earn 100,000 ThankYou points with the Citi Strata Elite Card

The $595 annual fee Citi Strata Elite Card is now offering an online welcome bonus of 100,000 ThankYou points after spending $6,000 within the first three months. Previously the card was offering an online welcome bonus of up to 80,000 ThankYou points if applying online, so this is a very nice improvement, as you can earn the same number of points with the bonus online as in a Citi branch.

Personally, I value Citi ThankYou points at 1.7 cents each, so to me the welcome bonus is worth $1,700. There are lots of great uses of Citi ThankYou points, and they can also be transferred to the Citi ThankYou airline and hotel partners, including American AAdvantage.

Earn 100K ThankYou points with the online welcome bonus

Who is eligible for the Citi Strata Elite Card bonus?

Who is eligible for the welcome bonus on the Citi Strata Elite Card? In line with Citi’s 48-month rule, the welcome bonus on this card isn’t available if you’ve received a bonus on this exact card in the past 48 months. Since this card is still quite new, that means a vast majority of people are eligible for this product.

Eligibility for the card (including the welcome bonus) is unrelated to having any other Citi Strata product, like the Citi Strata Premier® Card (review) or Citi Strata℠ Card (review). Learn more about Citi Strata eligibility, learn more about Citi Strata welcome bonuses, and learn about my experience applying for the card.

Beyond the above, Citi has fairly limited application restrictions. The main thing to be aware of is the 8/65 rule, whereby Citi will approve consumers for at most one card every eight days, and at most two cards every 65 days. This is a rolling limit, so you’ll want to space out your Citi applications a bit, to maximize your odds of approval.

Lots of people should be eligible for the offer on this card

Why the Citi Strata Elite Card is worth applying for

Beyond the initial welcome bonus of 100,000 ThankYou points, there are many reasons to consider holding onto the Citi Strata Elite Card:

With some of the credits and benefits being based on the calendar year rather than the cardmember year, it’s also worth calling out the card’s particularly good first year value, in terms of in some cases being able to “double dip” perks with the card’s first annual fee.

Let me also mention that while the card has a steep $595 annual fee, you can get that reduced by $145 if you have a Citigold account, meaning the card would only cost you $450 per year.

Bottom line

The Citi Strata Elite Card now has a limited time online welcome bonus of 100,000 ThankYou points upon completing minimum spending, better than the previous bonus of up to 80,000 points (and matching the 100,000 points offered in Citi branches).

This is a card that’s potentially worth picking up, given its ongoing perks. At a minimum, it’s a card worth giving a try for a year, given its strong first year value. If you’ve been on the fence about applying for the card, an elevated online bonus is certainly a reason to consider doing so.

Do you plan on picking up the Citi Strata Elite Card with 100K bonus points?

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