Citi Strata Elite Mastercard

Up to $500 per covered trip for delays of more than 6 hours. Covered expenses include meals, lodging, toiletries, medication, and other personal items. Only 3 covered causes: weather, equipment failure, lost/stolen travel documents. Maximum 2 claims per 12-month period.

Up to $5,000 per covered trip; up to $10,000 per 12-month period. Covers nonrefundable prepaid costs paid to any travel supplier. 8 covered reasons include illness, injury, death, severe weather, military orders, terrorist action, jury duty, dwelling uninhabitable. Round-trip itinerary required — one-way travel is explicitly excluded.

Priority Pass Select membership (unlimited visits, ~$469/year value) for primary cardholder AND authorized users. Up to 2 guests per visit included; additional guests $35/each. 4 American Airlines Admirals Club One-Day Passes per calendar year for primary cardholder and travel companions (authorized users cannot use these independently). Access to The Reserve by Citi hotel collection (daily breakfast for 2, free Wi-Fi, $100 experience credit, early check-in/late checkout).

Doubles the original manufacturer's warranty by up to 24 additional months. Maximum coverage: $10,000 per item. Applies to items with existing manufacturer warranty.

Covers eligible purchases against theft and physical damage for up to 90 days from purchase date. Up to $1,000 per incident; up to $10,000 per item; $50,000 annual maximum. Smartphones, laptops, tablets, household furnishings, and appliances are covered. Does not cover damage from misuse or preventable circumstances.

Global Entry / TSA PreCheck: up to $120, resets Multi-year.

$75 per authorized user annually. Authorized users receive their own Priority Pass Select membership (unlimited visits + up to 2 guests). Authorized user spending counts toward Splurge Credit and Blacklane Credit. Authorized users do NOT receive the Admirals Club passes (primary cardholder only).

None ($0 foreign transaction fees).

Secondary CDW applies within the United States (personal auto insurance pays first, card covers deductible and remaining loss). Maximum rental period: 31 consecutive days.

Primary coverage outside the United States (cardholder's country of residence); coverage is secondary in the United States. Maximum rental period: 31 consecutive days. Coverage based on actual cash value (depreciated market value). Must decline rental company CDW.

Up to $5,000 per covered trip (New York residents limited to $2,000 per bag). Coverage is secondary to airline compensation. Maximum 2 claims per 12-month period. Electronics and jewelry are explicitly excluded from coverage.

15 airline partners (1:1 unless noted): Aeromexico Rewards, Air France-KLM Flying Blue, American Airlines AAdvantage, Avianca LifeMiles, Cathay Pacific Asia Miles, Emirates Skywards (1:0.8), Etihad Guest, EVA Air Infinity MileageLands, JetBlue TrueBlue, Qantas, Qatar Airways Privilege Club, Singapore Airlines KrisFlyer, Thai Airways Royal Orchid Plus, Turkish Airlines Miles&Smiles, Virgin Atlantic Flying Club. 5 hotel partners: Accor Live Limitless (2:1), Choice Privileges (1:1.5), Leading Hotels of the World (5:1), Preferred Hotels & Resorts (1:4), Wyndham Rewards (1:1). Minimum transfer: 1,000 points; maximum: 500,000 points.

75,000 bonus ThankYou Points after spending $6,000 within the first 3 months of account opening (valued up to $1,200 in travel).

12x ThankYou Points per $1 on hotels, car rentals, and attractions booked via cititravel.com; 6x per $1 on airfare booked via cititravel.com; 6x per $1 at restaurants (including delivery) on Citi Nights℠ purchases every Friday and Saturday from 6 PM to 6 AM ET; 3x per $1 at restaurants (all other times); 1.5x per $1 on all other purchases.