Total Benefit Value
$525/yr
Annual Fee
$95
Avg Left on Table
$447/yr
The average Citi Strata Premier holder leaves $447/yr on the table
Based on typical usage rates across 7 benefits. Your number could be higher or lower.
Welcome Bonus
60,000points/miles
Spend $4,000 in 3 months · est. $900 value
All Benefits (7)
Statement Credits
Hotel Credit
$100 hotel savings via Citi Travel ($500 minimum stay)
$100/yr
annual
Insurance & Protection
Trip Cancellation/Interruption InsuranceHidden
$5,000 per trip, $10,000 per year
$75/yr
ongoing
Trip Delay ReimbursementHidden
$500 per person per trip, 6-hour trigger
$50/yr
ongoing
Purchase ProtectionHidden
$10,000 per incident, $50,000 per year, 90 days
$75/yr
ongoing
Car Rental Loss & Damage InsuranceHidden
Secondary domestic, PRIMARY international
$100/yr
ongoing
Shopping & Lifestyle
Extended WarrantyHidden
+2 years (doubles warranty up to 24 months)
$75/yr
ongoing
Account Perks
No Foreign Transaction Fees
No foreign transaction fees
$50/yr
ongoing
Earning Rates
| Category | Rate |
|---|---|
Air Travel | 3x |
Restaurants | 3x |
Supermarkets | 3x |
Gas/EV Charging | 3x |
All other purchases | 1x |
Hotels/Car Rentals via Citi Travel Booked through Citi Travel portal | 10x |
5 Hidden Benefits Most People Miss
- Trip Cancellation/Interruption Insurance — $75/yr
- Trip Delay Reimbursement — $50/yr
- Purchase Protection — $75/yr
- Extended Warranty — $75/yr
- Car Rental Loss & Damage Insurance — $100/yr
How much are you leaving on the table?
Select all your cards and see your personal Gap — the total dollar value of benefits you're not using.
See Your Gap — It's FreeNo bank login required. Takes 30 seconds.