Got the Citi Strata Elite card? Then listen up! Every year, you get a sweet $200 "Splurge Credit" to use at select merchants. Think of it as free money to treat yourself. This isn't automatic, though. You get to *choose* which brands you want to use the credit at, but only from a limited list of five options. So, why does this matter to you? Well, who doesn't love free stuff? But seriously, make sure you actually pick your two chosen brands and use the credit! Otherwise, you're just leaving money on the table. It's an easy way to get some value back from your card's annual fee. Just a friendly reminder to maximize those benefits!