BENEFIT BREAKDOWN

Splurge Credit

1 card carry this benefit. Bank's advertised value tops out at $200 — your real value depends on whether you'd actually use it.

Real value by issuer
Bank's advertised value vs. your real value
Real value = honest average if a typical holder uses it. Discretionary credits count for less.
IssuerCardsBank's advertised valueReal value (honest avg)
Citi
Some require enrollment
1
$200
~$70
if you'd actually use it
Citi
Citi Strata Elite
Annual fee: $595annualRequires enrollment
Bank's advertised value
$200
advertised

Find out what this credit is really worth — to you

Plug in your habits. We'll show your real value vs. the bank's advertised value.