💳 Citi · Mastercard

Citi Strata Elite℠ Card

Travel Benefits Guide 2026

$595
Annual Fee
Lounge Access
Secondary
Rental Coverage
None
Foreign Tx Fee

📌 At a Glance: Top Travel Perks

Travel Benefits Breakdown

Here's exactly what you get — and what you don't — when you use the Citi Strata Elite℠ Card for travel.

✈️ Lounge Access

Network: Priority Pass Select (1,300+ lounges worldwide)

Guest policy: Up to 2 complimentary guests per visit

  • American Airlines Admirals Club (4 passes per year)

Complimentary Priority Pass Select membership. Four American Airlines Admirals Club passes per year (not full membership). Enrollment required for Priority Pass.

🛂 Global Entry / TSA PreCheck Credit

Get a $120 statement credit every every 4 years when you pay for Global Entry, TSA PreCheck with this card.

Global Entry ($100) includes TSA PreCheck and lets you skip customs lines when returning to the US — worth every cent for international travelers.

⏱️ Trip Delay Insurance

If your trip is delayed by 6+ hours, you're covered for up to $500/person in expenses.

Covers: meals, lodging, transportation, personal use items

Trip delay coverage when common carrier is delayed 6+ hours or overnight. Cardholder and immediate family members covered.

Must book travel with this card. Keep all receipts for reimbursement.

🚫 Trip Cancellation & Interruption

Reimburses up to $5,000/person (max $10,000/trip) if you must cancel or cut short your trip.

Covered reasons: illness, injury, severe weather, jury duty

Trip cancellation and interruption coverage when travel is purchased with the card.

🧳 Baggage Insurance

Lost/stolen/damaged baggage: Up to $3,000/person

Coverage for lost, stolen, or damaged baggage.

Baggage delay coverage: not included.

🏥 Emergency Medical & Evacuation

No dedicated emergency medical evacuation benefit.

🚗 Rental Car Insurance

Secondary coverage — you must file with your personal auto insurance first, then this card covers the remainder.

Covers: collision damage, theft

Excludes: liability, personal injury

Eligible countries: Most countries worldwide.

Secondary coverage. Decline the CDW at the rental counter.

🌍 Foreign Transaction Fees

No foreign transaction fees — use this card internationally without paying an extra 2–3% on every purchase.

💰 Annual Credits & Perks

Rewards Structure

1.5x ThankYou® Points per $1 on all other purchases
Base rate on all purchases
12x on Hotels, Car Rentals, and Attractions booked on cititravel.com; 6x on air travel booked on cititravel.com
Travel purchases
6x at restaurants (including delivery) on Citi Nights (Fri–Sat 6PM–6AM ET); 3x all other times
Dining
12x on hotels/car rentals/attractions via cititravel.com
6x on flights via cititravel.com
6x at restaurants Fri–Sat evenings (Citi Nights)
3x at restaurants all other times

Point / Mile Values

  • Cash back / statement credit: ~0¢ per point
  • Travel portal redemption: ~1¢ per point
  • Transfer partners: Varies — often 0.015-0.02+ with airline partners like American Airlines, JetBlue, Singapore Airlines, Turkish Airlines, Virgin Atlantic

Pros & Cons for Travelers

👍 Pros

  • ✅ No foreign transaction fees — safe to use internationally
  • ✅ Airport lounge access (Priority Pass Select (1,300+ lounges worldwide))
  • ✅ Rental car collision coverage (secondary)
  • ✅ Trip cancellation coverage (up to $5,000/person)
  • ✅ Trip delay coverage after 6+ hours
  • ✅ $120 Global Entry/TSA PreCheck credit

👎 Cons

  • ❌ No emergency medical evacuation coverage
  • ❌ High annual fee ($595) requires heavy use to justify

🎯 Who Is This Card Best For?

Premium travelers who can leverage multiple annual credits to offset the $595 fee, especially those who frequent Admirals Clubs and book through the Citi travel portal

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