Citi Strata Elite 13.5K SL

rockstar53 · ‎08-01-2025

Took the plunge today after glancing thru my account online seeing Citi bumped my Rweards+ card to 12K from 8K without me asking. So I decided to apply for the new Strata Elite as I have an existing relationship with Citi and was immediately approved. I have the AA Platinum Select card for about 4 years now and over a year ago opened the Rewards+ card (now Strata). This will be my third personal card, along with one business account (Costco).

Citi pulled Equifax Fico 8 cardscore was 739

Starting Score: 536
Current Scores EQ/TU/EX Fico8: 791/792/792
Current Scores EQ/TU/EX Fico9: 790/767/793
Goal Score: 800
Take the myFICO Fitness Challenge

AMEX Plat; Apple Card (18.5K); BOFA Cash Rewards (40K); BOFA Travel Rewards (23K); Bilt (4K); BMW (17.5K); Chase Amazon (25.2K); Chase SW Priority (23K); Chase United Quest (20K); Citi Advantage (42K); Citi Rewards+ (12K); Discount Tire (10K); Discover (28K); DCU (20K); Ebay MC (10K); HSBC Premier (27K); HSBC Premier Elite (29K); Macys Amex (25K); Navy Fed More Rewards (21K); Navy Fed Flagship (46.1K); Navy Fed Platinum (12.9K); Pen Fed Gold (17.5K); Pen Fed Power Cash Rewards (25K); PNC Cash Rewards (15K); PNC Core (10K); Signature FCU (20K); Truist x2 (7.5K); WF Reflect (16.3K)

CreditMagic7 · ‎08-01-2025

youngandcreditwrthy · ‎08-02-2025

Congrats.

this is considered a "core" card right? thus making it harder to be approved?

I really really want the Plain ole Strata card!!!! 2 inquiries in the past year and 3 new accounts in the last six months..oooooffffff I want I want!

rockstar53 · ‎08-03-2025

@youngandcreditwrthy wrote:
Congrats.

this is considered a "core" card right? thus making it harder to be approved?

I really really want the Plain ole Strata card!!!! 2 inquiries in the past year and 3 new accounts in the last six months..oooooffffff I want I want!

The Strata Cards are core cards under Citi and the Strata Elite would be a bit more difficult to get than the Strata Card (formerly Rewards+) you definitely need a score above 700 maybe even 720 if there's no relationship with Citi.

Also it appears the Elite card will be a World Legend card (it will be one of the first on market) and seems to be a metal card from other video shorts out there so far!

Starting Score: 536
Current Scores EQ/TU/EX Fico8: 791/792/792
Current Scores EQ/TU/EX Fico9: 790/767/793
Goal Score: 800
Take the myFICO Fitness Challenge

AMEX Plat; Apple Card (18.5K); BOFA Cash Rewards (40K); BOFA Travel Rewards (23K); Bilt (4K); BMW (17.5K); Chase Amazon (25.2K); Chase SW Priority (23K); Chase United Quest (20K); Citi Advantage (42K); Citi Rewards+ (12K); Discount Tire (10K); Discover (28K); DCU (20K); Ebay MC (10K); HSBC Premier (27K); HSBC Premier Elite (29K); Macys Amex (25K); Navy Fed More Rewards (21K); Navy Fed Flagship (46.1K); Navy Fed Platinum (12.9K); Pen Fed Gold (17.5K); Pen Fed Power Cash Rewards (25K); PNC Cash Rewards (15K); PNC Core (10K); Signature FCU (20K); Truist x2 (7.5K); WF Reflect (16.3K)

Copenix · ‎08-04-2025

Nice. Congrats on your approval - enjoy your new card.

Building credit in the U.S. since January 2022

Current cards:

Total Credit Limit $118.8K | Utilization 0.9%

FICO 8s July 2026

odd_dog · ‎08-04-2025

CONGRATS on the Elite.....also let us know, I am pretty sure it is a plastic card.....your DP when you get it would be most interesting....ENJOY those benefits!!!

cashorcharge · ‎08-04-2025

Congratulations on your Approval!!👏🏼🍾🥂

Zoostation1 · ‎08-04-2025

Congrats on the approval!

Rebuild Started Nov 2021, TCL $88.7k
June 2022 FICO 8:

June 2022 FICO 9:

June 2022 FICO 10:

June 2022 FICO 10T:

Aug 2026 FICO 8:

Aug 2026 FICO 9:

Aug 2026 FICO 10:

Aug2026 FICO 10T: