Citi Strata Elite

Up to $300 off a hotel stay of 2 nights or more, once per calendar year. NOT a statement credit: it is applied to the reservation at the time of booking. Portal-only - bookings must be made with Citi Travel via cititravel.com or 1-833-737-1288; any other channel is ineligible. The complete stay must be pre-paid with the card, points, or both. No points are earned on the portion of the purchase offset by the benefit. A reservation booked in one calendar year and cancelled in the next forfeits the prior year benefit with no re-issue.

ACTIVATION REQUIRED and only the primary cardmember can do it: sign in at citi.com/splurgecredit or call 1-833-888-2168 to activate up to 2 merchants at a time. The merchant must be activated AT THE MOMENT the purchase is authorized - an unactivated purchase cannot be credited retroactively. Up to $200 in statement credits each calendar year, shared across the primary cardmember and all authorized users. Measured by authorization date: purchases authorized before December 31 11:59 PM count toward that year even if they post the next year. Merchant options are subject to change at any time.

Two hard buckets of $100 each per calendar year: $100 for purchases with a sale date from January through June, and $100 from July through December. Stored per bucket, not as $200 a year. NO cross-bucket rollover - unused January-June value does not carry into July-December. The bucket is decided by the sale date Blacklane reports with the transaction, which may not be the date of service and is outside the cardholder control. Purchases must be made directly through the Blacklane app or blacklane.com. Unused value within a single bucket does remain available for the next qualifying purchase in that same 6-month period.

One statement credit up to $120 per Account every four years. The application fee must be charged to the Citi Strata Elite Card. The credit goes to the FIRST program charged, regardless of whether the application is approved. The terms state the four-year period without naming a start anchor - not account open, not first use, not a fixed cycle - so the anchor is left unverified rather than guessed. Statement credits are not applied to the Minimum Payment Due.

Four digital Admirals Club passes each calendar year, primary cardmember only. Any Passes not redeemed at the end of the calendar year are forfeited, and all unredeemed Passes are forfeited upon closure of the account. Requires a linked AAdvantage account: if it closes, remaining Passes cannot be redeemed and new Passes are not deposited until an account is reopened and linked.

Registration required: primary cardmembers and authorized users 21 or older must register for Fashioned via deathandcompany.com/citi, entering their Citi Strata Elite Card as the payment method. No dollar value is stated in the terms and no reset cadence is stated.

SHARED-TIER, NOT CARD-EXCLUSIVE. The Reserve terms are written for Citi Strata Elite, Citi Strata Premier and Citi Prestige jointly; the Hotel Collection terms cover all cardmembers with access to Citi Travel. Any value attributed to this card from these sections double-counts against its siblings. The Reserve includes a $100 Experience Credit provided directly by the hotel as a credit or gift card - not a statement credit - awarded once per stay, with back-to-back stays within 24 hours at the same hotel counted as one stay. Unconsumed value is forfeited with no refund. Per-stay, so no annual anchor is asserted.

The benefit is the opportunity to BUY, not an allowance: cardmembers have the opportunity to purchase tickets to specified dining events hosted in major U.S. cities, and tickets must be purchased with the Citi Strata Elite card. No dollar value, no quantity and no reset cadence are stated in the terms.

UNVERIFIABLE PRE-APPROVAL. The Guide to Protection Benefits is not published - it is delivered only with the card - so no coverage amount, cap, waiting period or exclusion can be sourced. Underwritten by New Hampshire Insurance Company, an AIG company. Coverage is SECONDARY except for MasterRental, which is primary outside the renter country of residence. The card page names Trip Delay, Enhanced Trip Cancellation and Interruption, Lost or Damaged Luggage, MasterRental and Extended Warranty and Purchase Assurance Plus without publishing a single limit.

Citigold Relationship Tier: $145 each year. Citigold Private Client Relationship Tier: $595 in the FIRST YEAR of cardmembership only, then $145 each year thereafter - marketing that carries $595 as recurring overstates by $450 a year. Requires ownership of a qualifying deposit account on the date the Annual Fee is charged; the credit posts within three billing cycles of that date. Value stays 0 because the credit depends on a banking relationship this catalog does not model.

Issuer wording: "Fee for foreign purchases - None." This is one of only two values that actually render in the citi.com pricing table; the annual fee, every APR, both transaction fees, the minimum interest charge and the authorized-user fee all render blank. Not a credit and not a reset - carried as a feature row with no dollar value.

Complimentary membership for the primary cardmember AND their authorized users. Up to 2 guests per visit are included; each additional guest is charged $35 per visit to the Citi Strata Elite card. Does NOT include benefits at restaurants, cafes, or markets in the network. Entry requires the physical card plus a same-day boarding pass. Creating a Priority Pass digital account is optional and not required for entry. Membership is continuous while the account is open and in good standing - no annual reset is stated.