Purchase APR
33.49%
Annual fee
None
Foreign fee
None
Top-25 issuer≤619620–719
Carrying $3k for a year ≈ $1,004.70
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26
Citi Strata Elite
Top-25 issuerNationalVariable · PrimeCredit score 620–719Credit score 720+
Purchase APR
20.49–28.49%
Annual fee
$595
0% intro
None
0% transfer
20.49%
Foreign fee
None
Grace period
23 days
Purchase APR by credit tier
Median rate the issuer reported for each tier
No score
—
≤619
—
620–719
28.49%
720+
20.49%
Lowest offered20.49%
Median24.49%
Highest offered28.49%
Balance transfer APR
Promotional window: 12 months · grace period retained on purchases
No score
—
≤619
—
620–719
28.49%
720+
20.49%
Lowest offered20.49%
Median—
Highest offered28.49%
Cash advance APR
The cash advance rate was not broken out by credit tier — the issuer reported a single range.
Lowest offered29.74%
Median29.74%
Highest offered29.74%
Every fee on this card
Annual fee$595
Balance transfer feegreater of 5% or $5
Cash advance feegreater of 5% or $10
Foreign transaction feeNone
Purchase transaction feeNone
Late fee$41
Repeat late fee (6 mo)$41
Over-limit feeNone
Minimum finance charge$0.50
Balance computationAverage daily balance including new purchases
Additional fees
Returned Payment Fee$41
Rewards, benefits and features
Rewards
- Travel-related rewards
Services
None reported
Features
- Contactless Payments
- Chip card
- Mobile wallet provisioning (for example, Apple Pay)
Who can get this card
AvailabilityNational
Membership requirementsOpen to the public
Phone833-888-2168
Balance transfer calculator
Stay put — 12 mo at 24%$600
Transfer fee (5%)$250
Promo interest at 20.49%$512.25
You lose$162.25
Assumes you pay the balance down evenly across the 12-month promotional window, so the average outstanding balance is about half the transfer. Rates revert to 24.49% afterwards.
Cost to carry a balance
Interest for a year at 24.49%$734.70
Annual / periodic fees$595
Total yearly cost$1,329.70
Simple interest on a constant balance — a plain-language upper bound rather than an amortisation schedule. Paying in full each month within the 23-day grace period avoids the interest entirely.
Cardholder agreements
82 documents filed by Citibank, N.A. in the 2026 Q1 archive.
- AAdvantage Executive World Elite Mastercard Cardmember Agreement293 KB
- AAdvantage Executive World Elite Pricing and Information Table224 KB
- AAdvantage Globe Mastercard Cardmember Agreement290 KB
- AAdvantage Globe Pricing and Information Table203 KB
- AAdvantage Platinum Select World Elite Cardmember Agreement304 KB
- AAdvantage Platinum Select World Elite Pricing and Information Table222 KB
More from this issuer
Purchase APR
32.49%
Annual fee
None
Foreign fee
3%
Top-25 issuer≤619620–719
Carrying $3k for a year ≈ $974.70
Purchase APR
32.49%
Annual fee
None
Foreign fee
None
Top-25 issuer≤619620–719
Carrying $3k for a year ≈ $974.70
Purchase APR
19.49–29.49%
Annual fee
$350
Foreign fee
None
Top-25 issuer620–719720+Travel-related
Carrying $3k for a year ≈ $1,084.70 incl. $350 fee