Citi Strata Elite

Earn a bonus amount of ThankYou Points after spending $6,000 on purchases in the first 3 months after account opening. Points post to your account once the spend threshold is met. The offer applies to new cardmembers only.

Earn 12 ThankYou Points per $1 on hotels, car rentals, and attractions when you book through the Citi Travel portal. Reservations made directly with hotels or rental companies do not qualify for this elevated rate.

Book flights through the Citi Travel portal and earn 6 ThankYou Points per $1 spent. This elevated rate does not apply to airfare purchased directly from airlines or through other travel sites, which earn at a lower rate.

Earn 6 ThankYou Points per $1 at restaurants during the Citi Nights bonus window: Friday and Saturday from 6 pm to 6 am ET. Dining at any other time earns 3 points per $1 instead.

Restaurant purchases that fall outside the Friday and Saturday night bonus window earn 3 ThankYou Points per $1. This covers all other days of the week and times of day, with no enrollment needed.

Every purchase that doesn't qualify for a higher bonus category earns 1.5 ThankYou points per $1 spent. This base rate applies automatically with no enrollment required and no cap on earnings.

Once per calendar year, you can save up to $300 on a single hotel stay of at least 2 nights. The stay must be booked through cititravel.com, and the discount is applied at the time of booking. The benefit resets each calendar year.

Get up to $200 per year in statement credits toward rides booked through Blacklane, a premium chauffeur service. The credit is split into two $100 halves — one usable January through June and the other July through December. Unused credit from the first half does not carry over.

Get up to $200 back as statement credits each calendar year across up to 2 brands of your choice. Pick from 1stDibs, American Airlines, Best Buy, Future Personal Training, or Live Nation, then use your card to pay. Some exclusions apply for American Airlines and Live Nation purchases.

Qualifying Citigold Private Clients get a $595 statement credit in the first year — effectively offsetting the full annual fee — and a $145 credit each year after that. To qualify, you must be a Citigold Private Client and the primary cardmember on an active Strata Elite account with the $595 annual membership fee assessed.

Get up to $120 as a statement credit to cover the application fee for Global Entry or TSA PreCheck. Charge the application fee to your card and the credit posts automatically. You can use this credit once every four years.

When you book a stay at a participating Reserve by Citi Travel property through cititravel.com, you receive a $100 experience credit, complimentary breakfast for two, free Wi-Fi, early check-in, late checkout, and room upgrades when available. These perks apply only at participating hotels.

Get complimentary Priority Pass Select membership, giving you access to 1,500+ airport lounges around the world. Enroll through your card account, then show your Priority Pass card or app at participating lounge entrances. Membership is valued at $469 per year.

Get 4 Admirals Club passes each calendar year, valid at nearly 50 Admirals Club lounges in airports across the U.S. and internationally. Each pass gets one person into the lounge, where you can enjoy snacks, complimentary cocktails, and travel assistance. Passes are valued at over $300 total.

When you pay for a rental car with this card and decline the rental company's collision damage waiver, you're covered for damage or theft to the vehicle. Coverage is secondary in your home country and primary abroad. See your guide to benefits for vehicle exclusions and coverage limits.

Covers non-refundable trip costs if your trip is cancelled or cut short due to a covered reason, such as illness or severe weather. Charge your travel to the card to activate coverage. Coverage levels are enhanced compared to standard protection — check your benefits guide for covered reasons and limits.

Covers lost or damaged luggage up to $5,000 per trip when you pay for travel with your card or associated ThankYou points. Note that New York residents have a lower limit of $2,000 per trip.

Covers damage to or theft of a rental car when you charge the full rental cost to your card and decline the rental company's collision damage waiver. Coverage applies at most car rental locations worldwide. Check your benefits guide for excluded vehicle types and any coverage limits.

Covers out-of-pocket expenses like meals and lodging when your trip is delayed due to a covered reason. Charge your travel to the card to activate coverage. Review your benefits guide for the minimum delay period required and any per-trip dollar limits.

Citi extends the manufacturer's warranty on eligible purchases by up to 24 additional months. This applies to items with an original manufacturer warranty of 24 months or less and covers up to $10,000 per item.

Eligible purchases made with the card are protected against accidental damage or theft for 90 days from the purchase date. Coverage goes up to $10,000 per item and $1,000 per incident, with a $50,000 annual maximum. Excluded items include cars, jewelry, watches, firearms, and currency.

As a Mastercard cardholder, you get access to a suite of perks including reservations at sought-after restaurants, presale and preferred access to live events, entry to Mastercard airport lounges, and expedited security lanes at select international airports.

Get access to presale tickets and special experiences for thousands of concerts, sporting events, and arts and culture events through Citi Entertainment. Log in to your Citi account and browse available events to purchase tickets before they go on sale to the general public.

Pay no additional fees on purchases made outside the United States. The benefit applies automatically to all international transactions charged to your card.