Citi has joined in the ultra-premium rewards card category with the Citi Strata Elite credit card. As with similar cards, there are a lot of travel-related perks, some associated “lifestyle” perks, and a hefty annual fees. Yet our “lifestyle” is more about sneaking the 3rd kid into a Hampton Inn and booking affordable Airbnbs so we can hike in a national park with our free 4th grader pass.