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Cost and value $595 fee
Sign-up bonus 75,000 points, about $1,425
Earning rates Top rate 12x
- 6x via the issuer portal, about 11.4%
- 12x via the issuer portal, about 22.8%
Statement credits $1,470 a year
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$120 every 4 years
What counts
Receive a statement credit, up to $120 every four years, as reimbursement for your Global Entry or TSA PreCheck application fee.
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$300 a year
resets every year
What counts
Each calendar year, enjoy up to $300 off a hotel stay of 2 nights or more when booked through cititravel.com.
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$200 a year
resets every year
What counts
Every calendar year, earn up to $200 in statement credits on your choice of up to 2 of the following brands: 1stDibs, American Airlines, Best Buy, Future Personal Training, and Live Nation.
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$595 a year
resets every year
What counts
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 of $595.
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$200 a year
$100 every 6 months
What counts
Earn up to $200 in statement credits each calendar year when you book with Blacklane, a premium global chauffeur service. Earn up to $100 on Blacklane purchases January through June and up to $100 July through December.
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$145 a year
resets every year
What counts
Qualifying Citigold clients receive a $145 Banking Relationship Annual Credit if the primary cardmember has an open and current Strata Elite Card account with an assessed Annual Membership Fee of $595.
Transfer partners 24 partners
Status, lounges and travel 2 lounge benefits
- Complimentary Priority Pass Select membership offering access to 1,500+ airport lounges worldwide. Annual membership fee valued at $469. $469
- Every calendar year, receive 4 Admirals Club Citi Strata Elite Passes for access to nearly 50 Admirals Club lounges (over $300 in value), including snacks, complimentary cocktails, and personal travel assistance.
Protection and insurance 3 coverages
- Includes Trip Delay Protection, Enhanced Trip Cancellation and Trip Interruption Protection, Lost or Damaged Luggage, MasterRental Coverage (car rental insurance), and Extended Warranty and Purchase Assurance Plus.
- The ID Theft Protection program offered by Mastercard helps eliminate the worry of identity theft by monitoring information and alerting you if suspicious activity is found.
- Buy now, pay later with Citi® Flex Pay. Pay over time in fixed monthly payments and continue to earn points on purchases. Available on eligible purchases of $75 or more.
Lifestyle and other perks 1 perk
- Citi cardmembers get special access to purchase tickets to thousands of events, including presale tickets and exclusive experiences to concerts, sporting events, and arts and culture experiences.
Authorized users Paid
- Priority Pass select membership
- Travel and shopping protection
Application rules 1/8
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1/8
Community-reported
What counts
Citi generally approves at most 1 card application per 8 days.
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2/65
Community-reported
What counts
Citi generally approves at most 2 card applications per 65 days.
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48-month rule
Community-reported
What counts
Citi sign-up bonuses within the same card family are generally available only once every 48 months.
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