Strata Elite

Citi · WORLD LEGEND MASTERCARD · annual fee $595

The Wallet Audit values statement credits at what a typical person actually captures rather than at their advertised ceiling, and gives each rewards currency a single honest cents-per-point figure.

Earn rates

• 12× Hotels, car rentals & attractions, booked via cititravel.com
• 6× Air travel, booked via cititravel.com
• 6× Restaurants: "Citi Nights," Fri–Sat, 6pm–6am ET
• 3× Restaurants, all other times
• 1.5× Everything else

Statement credits, at their advertised value

• Annual Hotel Benefit, up to $300 a year
• Splurge Credit, up to $200 a year
• Blacklane Credit, up to $200 a year
• Global Entry / TSA PreCheck Credit, up to $30 a year

Advertised total $730 a year. This page shows a realistic estimate for each of these instead, which is usually lower, plus sliders to set your own figures.

No foreign transaction fee.

Purchase APR: 20.49%-28.49%

The verdict, the realistic credit values, the points valuation and the earn-rate breakdown are on the card's page. Open https://thewalletaudit.com/cards/citi-strata-elite.