Citi Strata Premier Card

Reimburses up to $500 in incurred costs (meals, lodging, toiletries, medication, personal items) for delays of at least 6 hours. Must charge the fare to the card to be eligible.

Up to $5,000 per covered traveler per trip; up to $10,000 total per 12-month period. Covers nonrefundable prepaid travel costs paid with the card. Covered events include accidental bodily injury, death, or sickness of the traveler or an immediate family member.

Extends the original manufacturer's warranty by up to 24 additional months on items with a warranty of 5 years or less (some sources say 7 years — confirm in Guide to Benefits). Maximum coverage: $10,000 per item.

Up to $10,000 per incident; $50,000 annual maximum per cardholder. Covers damage or theft of eligible purchases within 90 days of purchase date.

$100 Annual Hotel Benefit: up to $100, resets Annual.

$0 — no fee to add authorized users to the Citi Strata Premier card.

None ($0 foreign transaction fees).

Secondary CDW inside the United States. Covers damage/theft up to actual cash value of the rental vehicle. Covers towing and up to $500 in valid loss-of-use charges. Must decline rental company CDW.

Up to $3,000 maximum per covered trip. Coverage is secondary (airline compensation applies first). Maximum 2 claims per 12-month period. Reimbursement based on actual purchase price, cash value with depreciation, or replacement cost (whichever is lower).

21 transfer partners. 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. 6 hotel/retail 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), Shop Your Way (varies). Minimum transfer: 1,000 points.

60,000 bonus ThankYou Points after spending $4,000 in the first 3 months of account opening (redeemable for $600 in travel or gift cards at 1 cent per point).

10x ThankYou Points per $1 on hotels, car rentals, and attractions booked via CitiTravel.com; 3x per $1 on air travel, hotels (direct), restaurants, supermarkets, gas stations, and EV charging; 1x per $1 on all other purchases.