Citi • World Elite Mastercard
$95/yr Annual Fee
Admin: Virginia Surety (Mastercard)
Citi Strata Premier℠ Card — Guide to Benefits & Insurance Sheet
Verified fine-print coverage limits for Rental Car Collision Damage Waiver (CDW), Trip Delay & Cancellation, Baggage Delay, Purchase Protection, Extended Warranty, and Cell Phone Insurance.
Rental Car CDW
Secondary (Primary Outside US)
Max Coverage: $75,000 (31 days)
Excluded: None (Worldwide)
Restored travel protections in 2024! Secondary in the US, Primary outside the US up to $75,000.
Trip Delay & Cancel
6 hours
Delay Cap: $500/ticket
Cancellation: $5,000/person ($10,000/trip)
6-hour Trip Delay ($500 max) on a $95 card! Note: Requires round-trip paid in full with the card or ThankYou points.
Purchase & Warranty
$10,000/claim
Window: 90 days • Extended Warranty: +2 yr
Return Protection: Not Covered
Industry-leading +2 YEARS Extended Warranty (up to 7 years total warranty duration!) plus $10,000 Purchase Damage & Theft Protection.
Cell Phone & Baggage
No Cell Phone Ins.
Baggage Delay: Not Covered
Lost Luggage: $3,000/person
Head-to-Head Card Benefit Duel
Select any two cards to compare every fine-print insurance clause side-by-side
Popular Matchups:
Citi • World Elite Mastercard$95/yr fee
Chase • Visa Infinite$550/yr fee
| Coverage Clause | Citi Strata Premier ($95) | Sapphire Reserve (CSR) ($550) |
|---|---|---|
Rental Car CDW | Secondary US / Primary Intl Up to $75,000 • 31 days max | PRIMARY Up to $75,000 • 31 days max |
Excluded Countries | ✓ None (Worldwide) (Covers Ireland & Italy) ★ Edge | Excludes: None (Covers Republic of Ireland, Northern Ireland, Italy, Australia, and New Zealand!) |
Trip Delay Trigger | 6 hours Up to $500/ticket | 6 hours (or overnight) Up to $500/ticket |
One-Way / Award Taxes | ⚠ Round-Trip & 100% Fare Required | ✓ One-Way OK + Partial/Award Taxes OK ★ Edge |
Trip Cancellation | $5,000/person • $10,000/trip | $10,000/person • $20,000/trip + $100,000 Medical Evacuation |
Baggage Delay | Not Covered (Lost Luggage: $3,000) | 6h trigger • $100/day × 5d ($500 max) |
Purchase Protection | $10,000/claim (90 days)+2yr Warranty | $10,000/claim (120 days)+1yr Warranty |
Return Protection | Not Covered | ✓ $500/item ($1,000/yr • 90d) ★ Edge |
Cell Phone Protection | Not Covered | Not Covered |
Showing 55 of 55 cards
| Credit Card | Rental Car CDW | Trip Delay Trigger | Trip Cancellation | Purchase Protection | Cell Phone Protection | Baggage Delay | Guide |
|---|---|---|---|---|---|---|---|
| Sapphire Reserve (CSR) Chase • Visa Infinite • $550/yr | PRIMARY $75,000 max • Excl. 1 countries | 6 hours (or overnight) $500/ticket One-way OK • Award taxes OK | $10,000/person $20,000 max/trip +$100k Evac | $10,000/claim 120 days • +1yr warranty | Not Covered | 6h delay $100/d × 5d ($500) | Full Sheet → |
| Sapphire Preferred (CSP) Chase • Visa Signature • $95/yr | PRIMARY $60,000 max • Excl. 1 countries | 12 hours (or overnight) $500/ticket One-way OK • Award taxes OK | $10,000/person $20,000 max/trip | $500/claim 120 days • +1yr warranty | Not Covered | 6h delay $100/d × 5d ($500) | Full Sheet → |
| Ritz-Carlton Visa Infinite Chase • Visa Infinite • $450/yr | PRIMARY $75,000 max • Worldwide | 6 hours (or overnight) $500/ticket One-way OK • Award taxes OK | $10,000/person $20,000 max/trip +$100k Evac | $10,000/claim 120 days • +1yr warranty | Not Covered | 6h delay $100/d × 5d ($500) | Full Sheet → |
| Ink Business Preferred Chase • Visa • $95/yr | PRIMARY $60,000 max • Worldwide | 12 hours (or overnight) $500/ticket One-way OK • Award taxes OK | $5,000/person $10,000 max/trip | $10,000/claim 120 days • +1yr warranty | $1,000/claim $100 deductible • 3x/yr | 6h delay $100/d × 5d ($500) | Full Sheet → |
| Ink Business Cash Chase • Visa • $0/yr | PRIMARY $50,000 max • Worldwide | Not Covered | Not Covered | $10,000/claim 120 days • +1yr warranty | Not Covered | Not Covered | Full Sheet → |
| Ink Business Unlimited Chase • Visa • $0/yr | PRIMARY $50,000 max • Worldwide | Not Covered | Not Covered | $10,000/claim 120 days • +1yr warranty | Not Covered | Not Covered | Full Sheet → |
| United Club Infinite Chase • Visa Infinite • $525/yr | PRIMARY $75,000 max • Worldwide | 12 hours (or overnight) $500/ticket One-way OK • Award taxes OK | $10,000/person $20,000 max/trip | $10,000/claim 120 days • +1yr warranty | Not Covered | 6h delay $100/d × 3d ($300) | Full Sheet → |
| United Quest Chase • Visa Signature • $250/yr | PRIMARY $60,000 max • Worldwide | 12 hours (or overnight) $500/ticket One-way OK • Award taxes OK | $1,500/person $6,000 max/trip | $10,000/claim 120 days • +1yr warranty | Not Covered | 6h delay $100/d × 3d ($300) | Full Sheet → |
| United Explorer Chase • Visa Signature • $95/yr | PRIMARY $60,000 max • Worldwide | 12 hours (or overnight) $500/ticket One-way OK • Award taxes OK | $1,500/person $6,000 max/trip | $10,000/claim 120 days • +1yr warranty | Not Covered | 6h delay $100/d × 3d ($300) | Full Sheet → |
| World of Hyatt Visa Chase • Visa Signature • $95/yr | Secondary US / Primary Intl $50,000 max • Worldwide | 12 hours (or overnight) $500/ticket One-way OK • Award taxes OK | $5,000/person $10,000 max/trip | $500/claim 120 days • +1yr warranty | Not Covered | 6h delay $100/d × 5d ($500) | Full Sheet → |
| Marriott Boundless Chase • Visa Signature • $95/yr | Secondary US / Primary Intl $50,000 max • Worldwide | 12 hours (or overnight) $500/ticket One-way OK • Award taxes OK | $5,000/person $10,000 max/trip | $500/claim 120 days • +1yr warranty | Not Covered | 6h delay $100/d × 5d ($500) | Full Sheet → |
| Freedom Flex (CFF) Chase • World Elite Mastercard • $0/yr | Secondary US / Primary Intl $50,000 max • Worldwide | Not Covered | $1,500/person $6,000 max/trip | $500/claim 120 days • +1yr warranty | $800/claim $50 deductible • 2x/yr | Not Covered | Full Sheet → |
| Freedom Unlimited (CFU) Chase • Visa Signature • $0/yr | Secondary US / Primary Intl $50,000 max • Worldwide | Not Covered | $1,500/person $6,000 max/trip | $500/claim 120 days • +1yr warranty | Not Covered | Not Covered | Full Sheet → |
| Amex Platinum American Express • American Express • $695/yr | Secondary US / Primary Intl $75,000 max • Excl. 3 countries | 6 hours $500/ticket Round-trip req. | $10,000/person $20,000 max/trip +$250k Evac | $10,000/claim 90 days • +1yr warranty | $800/claim $50 deductible • 2x/yr | Not Covered | Full Sheet → |
| Amex Business Platinum American Express • American Express • $695/yr | Secondary US / Primary Intl $75,000 max • Excl. 3 countries | 6 hours $500/ticket Round-trip req. | $10,000/person $20,000 max/trip +$250k Evac | $10,000/claim 90 days • +1yr warranty | $800/claim $50 deductible • 2x/yr | Not Covered | Full Sheet → |
| Amex Gold American Express • American Express • $325/yr | Secondary US / Primary Intl $50,000 max • Excl. 3 countries | 12 hours $300/ticket Round-trip req. | Not Covered | $10,000/claim 90 days • +1yr warranty | Not Covered | Not Covered | Full Sheet → |
| Amex Green American Express • American Express • $150/yr | Secondary US / Primary Intl $50,000 max • Excl. 3 countries | 12 hours $300/ticket Round-trip req. | Not Covered | $1,000/claim 90 days • +1yr warranty | Not Covered | Not Covered | Full Sheet → |
| Marriott Bonvoy Brilliant American Express • American Express • $650/yr | Secondary US / Primary Intl $75,000 max • Excl. 3 countries | 6 hours $500/ticket Round-trip req. | $10,000/person $20,000 max/trip | $10,000/claim 90 days • +1yr warranty | $800/claim $50 deductible • 2x/yr | Not Covered | Full Sheet → |
| Hilton Aspire Amex American Express • American Express • $550/yr | Secondary US / Primary Intl $75,000 max • Excl. 3 countries | 6 hours $500/ticket Round-trip req. | $10,000/person $20,000 max/trip | $10,000/claim 90 days • +1yr warranty | $800/claim $50 deductible • 2x/yr | Not Covered | Full Sheet → |
| Delta SkyMiles Reserve American Express • American Express • $650/yr | Secondary US / Primary Intl $75,000 max • Excl. 3 countries | 6 hours $500/ticket Round-trip req. | $10,000/person $20,000 max/trip | $10,000/claim 90 days • +1yr warranty | $800/claim $50 deductible • 2x/yr | Not Covered | Full Sheet → |
| Delta SkyMiles Platinum American Express • American Express • $350/yr | Secondary US / Primary Intl $50,000 max • Excl. 3 countries | 12 hours $300/ticket Round-trip req. | Not Covered | $1,000/claim 90 days • +1yr warranty | $800/claim $50 deductible • 2x/yr | Not Covered | Full Sheet → |
| Amex Blue Cash Preferred American Express • American Express • $95/yr | Secondary US / Primary Intl $50,000 max • Excl. 3 countries | Not Covered | Not Covered | $1,000/claim 90 days • +1yr warranty | Not Covered | Not Covered | Full Sheet → |
| Amex Blue Business Plus (BBP) American Express • American Express • $0/yr | Secondary US / Primary Intl $50,000 max • Excl. 3 countries | Not Covered | Not Covered | $1,000/claim 90 days • +1yr warranty | Not Covered | Not Covered | Full Sheet → |
| Capital One Venture X Capital One • Visa Infinite • $395/yr | PRIMARY $75,000 max • Excl. 4 countries | 6 hours (or overnight) $500/ticket One-way OK • Award taxes OK | $2,000/person $2,000 max/trip | $10,000/claim 90 days • +1yr warranty | $800/claim $50 deductible • 2x/yr | 6h delay $100/d × 3d ($300) | Full Sheet → |
| Venture X Business Capital One • World Elite Mastercard • $395/yr | PRIMARY $75,000 max • Excl. 4 countries | 6 hours (or overnight) $500/ticket One-way OK • Award taxes OK | $2,000/person $2,000 max/trip | $10,000/claim 90 days • +1yr warranty | $800/claim $50 deductible • 2x/yr | 6h delay $100/d × 3d ($300) | Full Sheet → |
| Capital One Venture ($95) Capital One • World Elite Mastercard • $95/yr | Secondary US / Primary Intl $50,000 max • Excl. 4 countries | Not Covered | $1,500/person $5,000 max/trip | $1,000/claim 90 days • +1yr warranty | $800/claim $50 deductible • 2x/yr | Not Covered | Full Sheet → |
| Capital One Savor Capital One • World Elite Mastercard • $0/yr | Secondary US / Primary Intl $50,000 max • Excl. 4 countries | Not Covered | Not Covered | $1,000/claim 90 days • +1yr warranty | Not Covered | Not Covered | Full Sheet → |
| Bilt Mastercard ($0 AF) Bilt / Wells Fargo • World Elite Mastercard • $0/yr | PRIMARY $50,000 max • Excl. 4 countries | 6 hours $1,800/ticket One-way OK | $5,000/person $10,000 max/trip | $1,000/claim 90 days | $800/claim $25 deductible • 2x/yr | Not Covered | Full Sheet → |
| WF Autograph Journey Wells Fargo • Visa Signature • $95/yr | Secondary US / Primary Intl $50,000 max • Excl. 4 countries | Not Covered | $15,000/person $15,000 max/trip | $1,000/claim 90 days | $1,000/claim $25 deductible • 2x/yr | Not Covered | Full Sheet → |
| Wells Fargo Autograph ($0) Wells Fargo • Visa Signature • $0/yr | Secondary US / Primary Intl $50,000 max • Excl. 4 countries | Not Covered | Not Covered | Not Covered | $600/claim $25 deductible • 2x/yr | Not Covered | Full Sheet → |
| Wells Fargo Active Cash ($0) Wells Fargo • Visa Signature • $0/yr | Secondary US / Primary Intl $50,000 max • Excl. 4 countries | Not Covered | Not Covered | Not Covered | $600/claim $25 deductible • 2x/yr | Not Covered | Full Sheet → |
| BoA Premium Rewards Elite Bank of America • Visa Infinite • $550/yr | PRIMARY $75,000 max • Excl. 4 countries | 6 hours $500/ticket One-way OK • Award taxes OK | $5,000/person $10,000 max/trip +$100k Evac | $10,000/claim 90 days • +1yr warranty | Not Covered | 6h delay $100/d × 5d ($500) | Full Sheet → |
| BoA Premium Rewards ($95) Bank of America • Visa Signature • $95/yr | Secondary US / Primary Intl $50,000 max • Excl. 4 countries | 12 hours $500/ticket One-way OK • Award taxes OK | $2,500/person $5,000 max/trip | $10,000/claim 90 days • +1yr warranty | Not Covered | 6h delay $100/d × 5d ($500) | Full Sheet → |
| US Bank Altitude Reserve U.S. Bank • Visa Infinite • $400/yr | PRIMARY $75,000 max • Excl. 4 countries | 6 hours (or overnight) $500/ticket One-way OK • Award taxes OK | $2,000/person $2,000 max/trip | $10,000/claim 90 days • +1yr warranty | Not Covered | 6h delay $100/d × 3d ($300) | Full Sheet → |
| US Bank Altitude Connect ($0) U.S. Bank • Visa Signature • $0/yr | Secondary US / Primary Intl $50,000 max • Excl. 4 countries | 12 hours (or overnight) $500/ticket One-way OK • Award taxes OK | $2,000/person $2,000 max/trip | $1,000/claim 90 days • +1yr warranty | $600/claim $25 deductible • 2x/yr | Not Covered | Full Sheet → |
| Citi Strata Premier Citi • World Elite Mastercard • $95/yr | Secondary US / Primary Intl $75,000 max • Worldwide | 6 hours $500/ticket Round-trip req. | $5,000/person $10,000 max/trip | $10,000/claim 90 days • +2yr warranty | Not Covered | Not Covered | Full Sheet → |
| Citi AAdvantage Executive Citi • World Elite Mastercard • $595/yr | Secondary US / Primary Intl $75,000 max • Worldwide | 6 hours $500/ticket Round-trip req. | $5,000/person $10,000 max/trip | $10,000/claim 90 days • +2yr warranty | Not Covered | Not Covered | Full Sheet → |
| Costco Anywhere Visa Citi • Visa • $0/yr | Secondary US / Primary Intl $50,000 max • Worldwide | Not Covered | Not Covered | $1,000/claim 120 days | Not Covered | Not Covered | Full Sheet → |
| Citi Double Cash ($0) Citi • World Elite Mastercard • $0/yr | Not Covered | Not Covered | Not Covered | Not Covered | Not Covered | Not Covered | Full Sheet → |
| Chase Aeroplan ($95) Chase • World Elite Mastercard • $95/yr | PRIMARY $60,000 max • Worldwide | 12 hours (or overnight) $500/ticket One-way OK • Award taxes OK | $1,500/person $6,000 max/trip | $10,000/claim 120 days • +1yr warranty | Not Covered | 6h delay $100/d × 3d ($300) | Full Sheet → |
| Southwest Priority ($149) Chase • Visa Signature • $149/yr | Secondary US / Primary Intl $50,000 max • Worldwide | Not Covered | Not Covered | $500/claim 120 days • +1yr warranty | Not Covered | 6h delay $100/d × 3d ($300) | Full Sheet → |
| IHG One Rewards Premier Chase • World Elite Mastercard • $99/yr | Secondary US / Primary Intl $50,000 max • Worldwide | 12 hours (or overnight) $500/ticket One-way OK • Award taxes OK | $5,000/person $10,000 max/trip | $10,000/claim 120 days • +1yr warranty | $800/claim $50 deductible • 2x/yr | 6h delay $100/d × 5d ($500) | Full Sheet → |
| British Airways Visa ($95) Chase • Visa Signature • $95/yr | Secondary US / Primary Intl $50,000 max • Worldwide | Not Covered | Not Covered | $500/claim 120 days • +1yr warranty | Not Covered | 6h delay $100/d × 3d ($300) | Full Sheet → |
| Amex Business Gold ($375) American Express • American Express • $375/yr | Secondary US / Primary Intl $50,000 max • Excl. 3 countries | 12 hours $300/ticket Round-trip req. | Not Covered | $1,000/claim 90 days • +1yr warranty | $800/claim $50 deductible • 2x/yr | Not Covered | Full Sheet → |
| Hilton Surpass Amex ($150) American Express • American Express • $150/yr | Secondary US / Primary Intl $50,000 max • Excl. 3 countries | Not Covered | Not Covered | $1,000/claim 90 days • +1yr warranty | Not Covered | Not Covered | Full Sheet → |
| Delta SkyMiles Gold ($150) American Express • American Express • $150/yr | Secondary US / Primary Intl $50,000 max • Excl. 3 countries | Not Covered | Not Covered | $1,000/claim 90 days • +1yr warranty | Not Covered | Not Covered | Full Sheet → |
| Alaska Airlines Visa ($95) Bank of America • Visa Signature • $95/yr | Secondary US / Primary Intl $50,000 max • Excl. 4 countries | Not Covered | Not Covered | Not Covered | Not Covered | Not Covered | Full Sheet → |
| United Business ($99) Chase • Visa • $99/yr | PRIMARY $50,000 max • Worldwide | 12 hours (or overnight) $500/ticket One-way OK • Award taxes OK | $1,500/person $6,000 max/trip | $10,000/claim 120 days • +1yr warranty | Not Covered | 6h delay $100/d × 3d ($300) | Full Sheet → |
| World of Hyatt Business ($199) Chase • Visa • $199/yr | PRIMARY $50,000 max • Worldwide | 12 hours (or overnight) $500/ticket One-way OK • Award taxes OK | $5,000/person $10,000 max/trip | $10,000/claim 120 days • +1yr warranty | Not Covered | Not Covered | Full Sheet → |
| Capital One Spark Miles ($95) Capital One • Visa • $95/yr | PRIMARY $50,000 max • Excl. 4 countries | Not Covered | Not Covered | $10,000/claim 90 days • +1yr warranty | Not Covered | Not Covered | Full Sheet → |
| Amex Centurion (Black Card) American Express • American Express • $5000/yr | PRIMARY $75,000 max • Excl. 3 countries | 6 hours $500/ticket Round-trip req. | $10,000/person $20,000 max/trip +$250k Evac | $10,000/claim 90 days • +1yr warranty | $800/claim $50 deductible • 2x/yr | 6h delay $500/d × 1d ($500) | Full Sheet → |
| Marriott Bonvoy Bevy ($250) American Express • American Express • $250/yr | Secondary US / Primary Intl $50,000 max • Excl. 3 countries | 12 hours $300/ticket Round-trip req. | Not Covered | $1,000/claim 90 days • +1yr warranty | Not Covered | Not Covered | Full Sheet → |
| Southwest Performance Business ($199) Chase • Visa • $199/yr | PRIMARY $50,000 max • Worldwide | Not Covered | Not Covered | $10,000/claim 120 days • +1yr warranty | Not Covered | 6h delay $100/d × 3d ($300) | Full Sheet → |
| Citi Custom Cash ($0) Citi • World Elite Mastercard • $0/yr | Not Covered | Not Covered | Not Covered | Not Covered | Not Covered | Not Covered | Full Sheet → |
| Delta Platinum Business ($350) American Express • American Express • $350/yr | Secondary US / Primary Intl $50,000 max • Excl. 3 countries | 12 hours $300/ticket Round-trip req. | Not Covered | $1,000/claim 90 days • +1yr warranty | $800/claim $50 deductible • 2x/yr | Not Covered | Full Sheet → |
Popular Head-to-Head Insurance Comparisons
Direct side-by-side fine-print breakdowns for the most searched credit card matchups:
Chase Sapphire Reserve vs. Venture XChase Sapphire Reserve vs. Amex PlatinumAmex Platinum vs. Capital One Venture XChase Sapphire Preferred vs. Sapphire ReserveChase Sapphire Preferred vs. Venture XChase Sapphire Preferred vs. Bilt MastercardAmex Gold vs. Chase Sapphire PreferredInk Business Preferred vs. Sapphire PreferredCiti Strata Premier vs. Chase Sapphire PreferredUS Bank Altitude Reserve vs. Chase Sapphire ReserveWF Autograph Journey vs. Chase Sapphire PreferredBoA Premium Rewards Elite vs. Chase Sapphire Reserve
Individual Card Guide-to-Benefits Sheets
Browse complete travel insurance and purchase protection sheets for each card:
Sapphire Reserve (CSR)Sapphire Preferred (CSP)Ritz-Carlton Visa InfiniteInk Business PreferredInk Business CashInk Business UnlimitedUnited Club InfiniteUnited QuestUnited ExplorerWorld of Hyatt VisaMarriott BoundlessFreedom Flex (CFF)Freedom Unlimited (CFU)Amex PlatinumAmex Business PlatinumAmex GoldAmex GreenMarriott Bonvoy BrilliantHilton Aspire AmexDelta SkyMiles ReserveDelta SkyMiles PlatinumAmex Blue Cash PreferredAmex Blue Business Plus (BBP)Capital One Venture XVenture X BusinessCapital One Venture ($95)Capital One SavorBilt Mastercard ($0 AF)WF Autograph JourneyWells Fargo Autograph ($0)Wells Fargo Active Cash ($0)BoA Premium Rewards EliteBoA Premium Rewards ($95)US Bank Altitude ReserveUS Bank Altitude Connect ($0)Citi Strata PremierCiti AAdvantage ExecutiveCostco Anywhere VisaCiti Double Cash ($0)Chase Aeroplan ($95)Southwest Priority ($149)IHG One Rewards PremierBritish Airways Visa ($95)Amex Business Gold ($375)Hilton Surpass Amex ($150)Delta SkyMiles Gold ($150)Alaska Airlines Visa ($95)United Business ($99)World of Hyatt Business ($199)Capital One Spark Miles ($95)Amex Centurion (Black Card)Marriott Bonvoy Bevy ($250)Southwest Performance Business ($199)Citi Custom Cash ($0)Delta Platinum Business ($350)
Frequently Asked Questions: Citi Strata Premier℠ Card
Does the Citi Strata Premier℠ Card have Primary Rental Car Insurance (CDW)?
Citi Strata Premier℠ Card offers Secondary (Primary Outside US) Auto Rental Collision Damage Waiver up to $75,000 for rentals up to 31 days. Restored travel protections in 2024! Secondary in the US, Primary outside the US up to $75,000.
What is the Trip Delay and Cancellation coverage on the Citi Strata Premier?
Trip Delay reimbursement triggers after 6 hours, paying up to $500 per ticket for meals and lodging. Trip Cancellation & Interruption covers up to $5,000 per person ($10,000 per trip). 6-hour Trip Delay ($500 max) on a $95 card! Note: Requires round-trip paid in full with the card or ThankYou points.
Does the Citi Strata Premier cover Cell Phone Protection and Purchase Protection?
Purchase Protection covers new items for 90 days up to $10,000 per claim ($50,000/year). Extended Warranty adds +2 year(s) to eligible warranties. Cell Phone Protection is not included on this card.