This post may contain affiliate links that pay us when you click on them. The Citi Strata Elite Card is the new kid on the block when it comes to premium credit cards. Although it has a $595 annual fee, the cost is at the lower end of premium travel credit cards, after so many cards have recently increased their annual fees. Introduced in the summer, I find the Strate Elite to be a solid premium card: great value without annoyance. I haven’t had a premium credit card in several years.