| Category | Rate | Type | Cap |
|---|---|---|---|
|
Hotels, Car Rentals, and Attractions via Citi Travel
Earn 12 ThankYou Points per $1 spent on Hotels, Car Rentals, and Attractions booked through cititravel.com with no annual cap.
|
12x | Points | No cap |
|
Air Travel via Citi Travel
Earn 6 ThankYou Points per $1 spent on Air Travel booked through cititravel.com with no annual cap.
|
6x | Points | No cap |
|
Dining — Citi Nights (Friday and Saturday 6 PM–6 AM ET)
Earn 6 ThankYou Points per $1 spent at Restaurants on Citi Nights purchases, defined as Friday and Saturday from 6 PM to 6 AM ET, with no annual cap.
|
6x | Points | No cap |
|
Dining — All Other Times
Earn 3 ThankYou Points per $1 spent at Restaurants at any time other than the Citi Nights window (Friday and Saturday 6 PM–6 AM ET), with no annual cap.
|
3x | Points | No cap |
|
All Other Purchases
Earn 1.5 ThankYou Points per $1 spent on all other purchases not covered by a bonus category, with no cap.
|
1.5x | Points | No cap |
| Benefit | Category | Value / Coverage |
|---|---|---|
|
$200 Annual Blacklane Credit
Every calendar year, earn up to $200 in statement credits when you book with Blacklane, a premium global chauffeur service — up to $100 on Blacklane purchases January through June and up to $100 July through December.
|
Credits |
Up to $200/year ($100 per half-year)
Up to $200
|
|
$200 Annual Splurge Credit
Every calendar year, earn up to $200 in statement credits on your choice of up to 2 of the following brands: 1stDibs, American Airlines (exclusions apply), Best Buy, Future Personal Training, and Live Nation (exclusions apply).
|
Credits |
Up to $200/year
Up to $200
|
|
$300 Annual Hotel Benefit
Each calendar year, enjoy up to $300 off a hotel stay of 2 nights or more (excluding taxes and fees) when booked through cititravel.com. The benefit is applied instantly at the time of booking.
|
Credits |
Up to $300/year
Up to $300
|
|
Global Entry or TSA PreCheck Application Fee Credit
Receive a statement credit of up to $120 every four years as reimbursement for the application fee for Global Entry or TSA PreCheck.
|
Credits |
Up to $120 every 4 years
Up to $120
|
|
Citi Flex Pay
Eligible purchases of $75 or more can be split into fixed monthly payments using Citi Flex Pay with no application or credit check required while continuing to earn ThankYou Points.
|
Financial | Complimentary |
|
Citigold Banking Relationship Annual Credit
Qualifying Citigold clients receive a $145 annual banking relationship credit if the primary cardmember has an open and current Strata Elite Card account with an assessed Annual Membership Fee.
|
Financial |
$145/year for Citigold clients
Up to $145
|
|
Citigold Private Client Banking Relationship Annual Credit
Qualifying Citigold Private Clients receive a $595 first-year banking relationship credit and a $145 credit each year thereafter if the primary cardmember has an open and current Strata Elite Card account with an assessed Annual Membership Fee.
|
Financial |
$595 year 1, $145/year thereafter for Citigold Private Client
Up to $595
|
|
Flexible Payment Due Date
Cardmembers can choose their billing due date from available dates at the beginning, middle, or end of the month.
|
Financial | Complimentary |
|
No Foreign Transaction Fees
Cardmembers pay no foreign transaction fees on purchases made outside the United States.
|
Financial |
$0
Up to $0
|
|
Extended Warranty
Extends the original manufacturer's warranty on eligible purchases made with the card.
|
Insurance | Complimentary |
|
Lost or Damaged Luggage Protection
Covers luggage that is lost, stolen, or damaged by a common carrier when the trip is paid for with the card.
|
Insurance | Complimentary |
|
MasterRental Car Rental Coverage
Provides coverage for damage or theft of eligible rental vehicles when the rental is paid with the card and the cardholder declines the rental agency's collision damage waiver.
|
Insurance | Complimentary |
|
Purchase Assurance Plus
Covers eligible new purchases against damage or theft for a limited period after the purchase date when paid with the card.
|
Insurance | Complimentary |
|
Trip Cancellation and Trip Interruption Protection
Enhanced trip cancellation and interruption coverage reimburses non-refundable trip expenses when a common carrier trip is cancelled or interrupted due to a covered event.
|
Insurance | Complimentary |
|
Trip Delay Protection
Reimburses cardmembers for reasonable out-of-pocket expenses such as meals and lodging when a common carrier trip is delayed by a qualifying number of hours.
|
Insurance | Complimentary |
|
Citi Entertainment Access
Cardmembers get special access to purchase tickets to thousands of events including presale tickets and exclusive experiences for concerts, sporting events, and arts and culture through Citi Entertainment.
|
Lifestyle | Complimentary |
|
24/7 Customer Service
Live customer service representatives are available 24 hours a day, 365 days a year by calling the number on the back of the card.
|
Other | Complimentary |
|
Automatic Account Alerts
Cardmembers can opt into automatic alerts via email or text for balance updates, payment reminders, and credit limit notifications.
|
Other | Complimentary |
|
Citi Mobile App
Cardmembers can manage their account, view balances, make payments, and access card features anytime through the Citi Mobile App.
|
Other | Complimentary |
|
Digital Wallet Compatibility
The card is compatible with major digital wallets enabling contactless payments online, in-app, and in stores.
|
Other | Complimentary |
|
Free FICO Score Access
Cardmembers receive complimentary online access to their FICO Score to help monitor and understand their credit history.
|
Other | Complimentary |
|
Paperless Statements
Cardmembers can opt into paperless statements and electronic communications to receive statements and most legal notices online.
|
Other | Complimentary |
|
1.5x Points on All Other Purchases
Earn 1.5 ThankYou Points per $1 spent on all other purchases not covered by a bonus category, with no cap.
|
Rewards | 1.5x points |
|
12x Points on Hotels, Car Rentals, and Attractions via Citi Travel
Earn 12 ThankYou Points per $1 spent on Hotels, Car Rentals, and Attractions booked through cititravel.com with no annual cap.
|
Rewards | 12x points |
|
3x Points at Restaurants — All Other Times
Earn 3 ThankYou Points per $1 spent at Restaurants at any time other than the Citi Nights window, with no annual cap.
|
Rewards | 3x points |
|
6x Points at Restaurants — Citi Nights
Earn 6 ThankYou Points per $1 spent at Restaurants on Citi Nights purchases — defined as Friday and Saturday from 6 PM to 6 AM ET — with no annual cap.
|
Rewards | 6x points on Citi Nights |
|
6x Points on Air Travel via Citi Travel
Earn 6 ThankYou Points per $1 spent on Air Travel booked through cititravel.com with no annual cap.
|
Rewards | 6x points |
|
ThankYou Points Never Expire
ThankYou Points do not expire as long as the account remains open, with no limits on the number of points that can be earned.
|
Rewards | No expiry, no cap |
|
ThankYou Points Redemption Flexibility
Redeem ThankYou Points through Citi Travel, Shop with Points at Amazon, PayPal, CVS, and other participating merchants, gift cards, statement credits, direct deposits, and more at thankyou.com.
|
Rewards | Complimentary |
|
ThankYou Points Transfer to Airline and Hotel Partners
Transfer ThankYou Points to airline and hotel partners including American Airlines, JetBlue, Virgin Atlantic, Cathay Pacific, Eva Air, Choice Hotels, and The Leading Hotels of the World. There is no transfer fee and the minimum transfer is 1,000 points.
|
Rewards | Complimentary |
|
24-Hour Fraud Protection
Citi monitors the account around the clock and alerts cardmembers if unusual activity is detected.
|
Security | Complimentary |
|
Citi Quick Lock
Cardmembers can instantly block new charges on a misplaced card via the Citi Mobile App or citi.com while allowing existing recurring transactions to continue.
|
Security | Complimentary |
|
EMV Chip Technology with Contactless Pay
The card includes chip-based technology with tap-to-pay capability for enhanced security and global acceptance at contactless payment terminals.
|
Security | Complimentary |
|
Mastercard ID Theft Protection
Mastercard's ID Theft Protection program monitors personal information chosen by the cardmember and sends alerts if suspicious activity is found. Free enrollment at mastercardidps.idprotectiononline.com.
|
Security | Complimentary |
|
Admirals Club Citi Strata Elite Lounge Passes
Every calendar year, receive 4 Admirals Club Citi Strata Elite Passes for access to nearly 50 Admirals Club lounges worldwide, including snacks, complimentary cocktails, and personal travel assistance. Valued at over $300.
|
Travel |
4 passes/year (over $300 in value)
Up to $300
|
|
Citi Travel Portal Access
Cardmembers can book flights, hotels, car rentals, and attractions through Citi Travel using their card, ThankYou Points, or a combination of both, with access to over 1.4 million hotels and resorts worldwide.
|
Travel | Complimentary |
|
Priority Pass Select Membership
Cardmembers receive complimentary Priority Pass Select membership granting access to 1,500+ airport lounges worldwide. Annual membership is valued at $469.
|
Travel |
Complimentary (valued at $469/year)
Up to $469
|
|
The Reserve by Citi Travel Access
Cardmembers have access to The Reserve by Citi Travel, a curated collection of premium hotels and experiences available through cititravel.com.
|
Travel | Complimentary |
