The Citi Strata Elite is a personal credit card from Citi Strata Elite. Application typically pulls a hard report from Experian. The annual fee is $. The ongoing APR is Variable APR % - % on purchases and balance transfers based on your creditworthiness. Approval typically requires a credit score of 650-700 or higher. Signup bonus: Earn bonus points after spending $ in the first months. Rewards: 12x points per dollar spent on Hotels, Car Rentals, and Attractions booked on cititravel.com; 6x points per dollar spent on Air Travel booked on cititravel.com; 6x points per dollar spent at Restaurants on Citi Nights purchases; 3x points per dollar spent at Restaurants any other time; 1.5x points per dollar spent on All Other Purchases. Cash back: 0.75 cent each when redeemed for cash back. ITIN-friendly — accepts applicants with an Individual Taxpayer Identification Number in lieu of an SSN. Soft-pull pre-qualification is available — no hard inquiry to check approval odds. Application rules: Citi enforces an 8/65/95 rule (max 1 card per 8 days, 2 cards per 65 days, no more than 1 business-card every 95 days). Sign-up bonuses on Citi cards are restricted to 48 months from your last bonus on that card family..