citi strata elite terms and conditions | splurge account只有五家

以下是 Citi Strata EliteSM 信用卡条款与权益的中文摘要：

【申请与账户信息】

仅限新户申请，申请人需年满18岁（波多黎各21岁）。
仅限美国及其领土居民申请。
Citibank 可通过征信等方式决定是否批准账户开设。
申请即视为授权 Citi 与美国航空共享你的信息，以注册或验证 AAdvantage® 会员身份。

【身份与隐私】

开户时须提供身份证明（姓名、地址、生日、社保号等），遵守联邦反恐和反洗钱法规。
你的资料将用于身份验证、征信调查、以及相关的营销与服务通讯。
可被 Citi 与美国航空依据各自的隐私政策使用。

【信用额度与报告】

信用额度由年收入、负债情况等决定，最低可能为 $5,000。
Citi 有权向信用局报告账户状态，包括逾期行为等。

年费： $595

Authorized User：一人 $75
【奖励积分制度 Citi ThankYou® Rewards】

使用 Citi Strata Elite 卡消费可赚取 ThankYou® 积分：

消费类型
积分奖励（每 $1 消费）

通过 Citi Travel 订酒店、租车、景点
12 积分

通过 Citi Travel 订机票
6 积分

“Citi Nights” 时段餐饮消费（周五晚6点至周日早6点）
6 积分

普通时段餐饮消费
3 积分

其他消费
1.5 积分

不包括：预付卡、转账、现金、彩票、赌场、手续费、返款等。

【年度福利】

$300 年度酒店抵扣：通过 Citi Travel 预订2晚及以上的酒店时自动抵扣。

$200 年度 Splurge Credit：在你激活的两个 Splurge 商家处消费获得报销（如 Live Nation、Ticketmaster、American Airlines）。

$200 年度 Blacklane 司机服务报销：每半年最多 $100，用于 Blacklane 乘车服务。

$595 银行客户回馈：

第一年度：符合条件的 Citigold Private 客户可获 $595 抵用。
以后年度：$145 年度抵用。
普通CitiGold客户只有每年的$145 年度抵用。

Global Entry 或 TSA PreCheck 费用报销：每四年报销一次，最多 $120。

Priority Pass™ Select 机场贵宾厅会员资格：含每次最多2名访客，每年可无限使用。

4张 American Airlines Admirals Club 入场券：仅限主卡人使用，最多可带3位成人和3位儿童。

【重要注意事项】

所有福利可能变更或取消。
滥用、欺诈行为（如买卖积分、恶意申请卡）将被处罚，可能包括取消积分、冻结账户。
申请人需保持卡片账户状态良好以继续享受奖励。

source: Citibank Online

07/21

刚和本地branch的relationship manager讲电话。确认是100k typ。第一年免年费还有100k 还是很有吸引力的。

Citi TYP还有一个大杀器是1:4转点到preferred hotels。我今年刚用过。12500点一晚住东京新大谷。虽然是过气的五星酒店，但是现在125刀一晚上在东京还是不错了。

07/22

Shiti把terms and conditions从网站上拿掉了。这是我之前存的copy

07/28

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MasterCard World Legend terms and conditions

snamwpm.eccmp.com

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Citi Strata EliteSM Card Terms & Conditions

This offer is valid for new accounts only. You must be at least 18 years of age (21 years of age in Puerto Rico). If you’re married, you may apply for a separate account. The Card offer referenced in this communication is only available to individuals who reside in the United States and its territories. Your eligibility for a particular product and service is subject to a final determination by Citibank. This communication is not, and should not be construed as, an offer to individuals outside of the United States. Citibank, N.A., Sioux Falls, SD, (“Citi,” “we” or “us”) is the issuer of the account. Please allow 4 weeks from date of submission to process your Card Account application.

By submitting this application, you request that Citi establish a Citi Strata EliteSM Card account (the “Card Account”) for you and any authorized users you designate. You agree that all information provided in this application must be verifiable and accurate. The Card Account is governed by the terms of the card agreement (“Card Agreement”) provided when the Card Account is issued. By submitting this application, you understand and agree that you are also furnishing your personal information to American Airlines for purposes of enrolling or verifying your enrollment in the AAdvantage® program. American Airlines may use your personal information in accordance with its Privacy Policy, available at https://www.aa.com/privacy. If you are not an AAdvantage® member or did not provide an AAdvantage® account number in your application, you consent to enrollment in the AAdvantage® program, which is governed by the AAdvantage® terms and conditions available at https://www.aa.com/.

Identity Verification

IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW ACCOUNT - To help the government fight the funding of terrorism and money laundering activities, federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. This means that we will ask for your name, address, date of birth, and other information that will allow us to identify you when you open an account. We may also ask to see your driver’s license or other identifying documents; and obtain identification information about you or any Authorized User you add to your account.

Authorization for the Social Security Administration to Disclose Your Social Security Number Verification - You authorize the Social Security Administration (SSA) to verify and disclose to Citibank, N.A. through Early Warning Services, LLC for the purpose of this transaction whether the name, Social Security Number (SSN) and date of birth you have submitted matches information in SSA records. Your consent is for a one-time validation within the next 90 days.

ABOUT USING YOUR MOBILE PHONE TO APPLY FOR AN ACCOUNT ONLINE

You authorize your wireless carrier to use or disclose information about your account and your wireless device, if available, to Citi or its service provider for the duration of your business relationship, solely to help them identify you or your wireless device and to prevent fraud.

Separately, Citibank may obtain information about your mobile phone activity from third parties and use this information for its other everyday business purposes. For more information, see our U.S. Privacy Notice for Consumers.

Communications

You agree that we and our service providers may contact you at any phone number provided, email address, or mailing address. This includes communications to mobile or similar device. We may contact you by live person, auto dialer, recorded or artificial voice, text, or email for servicing marketing information, or with our decision on your credit card application.

Credit Reports

You authorize us to get credit reports and other information about you from consumer reporting agencies and other sources, including information about your credit or deposit accounts with other financial institutions. This information may be used for such purposes as: determining whether to issue you a Card Account, administering, reviewing and renewing the Card Account, credit line increases or decreases, collection and other servicing of the Card Account, offering other products and services and for any other uses permitted by law. If you ask us, we’ll tell you whether we requested a credit bureau report and the names and addresses of any credit bureaus that provided us with such reports. From time to time, we may report negative information about your Card Account behavior, like delinquencies, to consumer reporting agencies.

Credit Information

To receive a Card Account, you must meet our applicable criteria bearing on creditworthiness and any other of our eligibility criteria, which we determine in our sole discretion.

Your credit limit will be determined based on the following:

Your annual salary and wages

Any other annual income

A review of your debt, including the debt listed on your credit report

We’ll inform you of your credit limit when you receive your credit card. Some limits may be as low as $5000. Please note that cash advances may be limited to a portion of your credit limit.

Card Agreement

If you are approved for a Card Account, you’ll receive a Card Agreement before you can use your Card Account. The terms of the Card Agreement will take effect once you use your Card Account. Even if you do not use your Card Account, the Card Agreement will take effect if you do not cancel your Card Account within 30 days after we send you the Card Agreement. We have the right to make changes to the terms of your Card Account (including rates and fees) in accordance with the Card Agreement and applicable law.

Information Sharing

IMPORTANT NOTICE REGARDING PRIVACY: You understand and agree that by submitting this application you are furnishing all information in this application to Citi and that Citi may use any information collected from you regarding you personally and your business in accordance with Citi’s Privacy Policy located online at Privacy - Citi.com.

By submitting this application, you understand and agree that you are also furnishing your personal information to American Airlines for purposes of enrolling or verifying your enrollment in the AAdvantage® program and you agree that we may share with American Airlines transaction and experience information regarding your account and your account activity with us. This includes purchase activity and information about your use of the Citi ThankYou® Rewards program. American Airlines may use this information in accordance with its Privacy Policy, available at https://www.aa.com/privacy. If you are not an AAdvantage® member or did not provide an AAdvantage® account number in your application, you consent to enrollment in the AAdvantage® program, which is governed by the AAdvantage® terms and conditions available at https://www.aa.com/. You must maintain an open AAdvantage® account to maintain and redeem your Admirals Club® Citi Strata EliteSM Passes, and any other American Airlines – related benefits you may receive through your Citi Strata EliteSM account.

Special Notices

Notice to Ohio Residents: The Ohio laws against discrimination require that all creditors make credit equally available to all creditworthy customers, and that credit reporting agencies maintain separate credit histories on each individual upon request. The Ohio Civil Rights Commission administers compliance with this law.

Notice to Wisconsin Residents: No marital property agreement, unilateral statement, or court decree adversely affects our rights, unless you give us a copy of such agreement, statement or court order before we grant you credit, or we have actual knowledge of its terms before your account is opened.

Important Information About Adding An Authorized User

Before adding an Authorized User to your Card Account you should know:

You’re responsible for all charges made or allowed to the Card Account by the Authorized User.

Authorized Users have access to your Card Account information.

Before adding an Authorized User, you must let him/her know that we may report Card Account performance to the credit reporting agencies in the Authorized User’s name.

If we ask for information about the Authorized User, you must obtain their permission to share their information with us and for us to share it as allowed by applicable law.

Balance Transfer Information

How to Make Balance Transfers

After receiving your card, you can call the customer service number on the back of your card (For TTY: We accept 711 or other Relay Service) to transfer balances. Balance transfers are made available at our discretion.

If we give you the option to transfer a balance with your application, it will take at least 14 days after your Card Account is opened to process any balance transfer payments. During this time, you may cancel or modify your balance transfer request by calling the number on the back of your card (For TTY: We accept 711 or other Relay Service).

The total amount of your balance transfer plus balance transfer fees must be less than your available credit limit or any other limit we communicate. Be sure you don’t transfer any disputed purchase or other charge amount because you may lose your dispute rights. You cannot transfer balances from other accounts issued by Citibank, N.A. or its affiliates. If you are unsure of the issuer on the account, please visit citi.com/affiliatesproducts for a list of Citi products and affiliates.

Continue to make any required minimum payments to your creditor(s) until you have confirmed this Balance Transfer has been completed. The available credit limit for your new card will be reduced by the total amount of the transfers, including fees we approve.

Things You Should Know About Your Balance Transfer Offer:

If you transfer a balance with this offer, interest will be charged on purchases made with your Card Account unless your purchases have a 0% APR or you pay the New Balance shown on your statement (including the amount of your balance transfer) in full by the payment due date each billing period. If your New Balance includes a Citi Flex Plan, interest will be charged on purchases unless you pay the Adjusted New Balance shown on your statement, plus any Citi Flex Plan Payment Amount, by the due date each month or those purchases have a 0% APR.

Additional Information:

Any benefit, reward, service, or feature offered in connection with your Card Account may change or be discontinued at any time for any reason, except as otherwise expressly indicated. Citi isn’t responsible for products and services offered by other companies.

Protection Benefits:

Should you apply and be approved for the Citi Strata EliteSM Card, more information will be provided in the Guide to Protection Benefits you receive with your card. Benefits are subject to terms, conditions, and limitations, including limitations on the amount of coverage. Coverage is provided by New Hampshire Insurance Company, an AIG company. Policy provides secondary coverage only except for MasterRental, where coverage is primary outside the Eligible Renter’s country of residence.

Award Program Information:

American Airlines reserves the right to change the AAdvantage® program and its terms and conditions at any time with or without notice, and to end the AAdvantage® program with six months’ notice. Any such changes may affect your ability to use AAdvantage® Rewards and Benefits that you have already accumulated. American Airlines is not responsible for products or services offered by other participating companies. All third-party provider terms and conditions apply. For more information on miles and Loyalty Points, visit aa.com/loyaltypoints. For complete details about the AAdvantage® program, visit aa.com/aadvantage. For the AAdvantage® terms and conditions, visit aa.com/aadvantageterms.

Travel booked on American Airlines may be American Eagle® service, operated by Envoy Air Inc., Republic Airways Inc., SkyWest Airlines, Inc., Air Wisconsin Airlines LLC, PSA Airlines, Inc., or Piedmont Airlines, Inc.

American Airlines, AAdvantage®, Admirals Club, the Flight Symbol logo and the Tail Design are marks of American Airlines, Inc.

oneworld® is a registered trademark of oneworld Alliance, LLC.

Summary of the Citi Strata EliteSM Card Terms and Conditions

CITI® THANKYOU® REWARDS

With the Citi Strata Elite Card, you can earn ThankYou Points for purchases made on your Card. Unless you are participating in a limited-time offer, you will earn:

12 ThankYou Points for each $1 spent on hotels, car rentals, and attractions booked through Citi Travel® via cititravel.com or 1-833-737-1288 (TTY:711).

6 ThankYou Points for each $1 spent on air travel booked through Citi Travel® via cititravel.com or 1-833-737-1288 (TTY:711).

6 ThankYou Points for each $1 spent at restaurants, including restaurant delivery services, for purchases authorized between Friday 6:00 PM through Saturday 6:00 AM ET, and Saturday 6:00 PM through Sunday 6:00 AM ET (“Citi NightsSM”).

3 ThankYou Points for each $1 spent at restaurants, including restaurant delivery services, for purchases authorized at any time outside of Citi Nights.

1.5 ThankYou Points for each $1 spent on all other purchases, including the purchases excluded below.

Citi Travel: You will earn 12 ThankYou Points for each $1 spent on hotels, car rentals, and attractions and 6 ThankYou Points for each $1 spent on airfare booked using your Citi Strata Elite Card with Citi Travel via cititravel.com or 1-833-737-1288 (TTY:711). For bookings made with a combination of points and your Citi Strata Elite Card, only the portion paid with your card will earn points. Points are not earned on cancelled bookings that are refundable. If your account is closed for any reason, including if you convert to another card product, you will no longer be eligible for this offer. Citi Travel is powered by Rocket Travel by Agoda.

Restaurants: Includes purchases at cafes, bars, lounges, fast-food restaurants, restaurant delivery services, and take out restaurants. Excludes purchases at bakeries, caterers, and restaurants located inside another business (such as hotels, stores, stadiums, grocery stores, or warehouse clubs). You will only earn 1.5 ThankYou Points per $1 spent on restaurant gift card purchases if the merchant does not use the restaurant merchant category code for that purchase.

Citi Nights

You will earn 6 ThankYou Points for each $1 spent at restaurants, including restaurant delivery services, for purchases authorized between Friday 6:00 PM through Saturday 6:00 AM ET, and Saturday 6:00 PM through Sunday 6:00 AM ET when you use your Citi Strata Elite card.

Citi Nights eligibility is based on the day and time your restaurant purchase is authorized, not when the transaction is posted to your Account. For example, when paying for your dinner, the restaurant may authorize your purchase at 8:00 PM ET on a Friday night, but the transaction does not post to your Account until Monday. In this example, your purchase will qualify, because the purchase was authorized during Citi Nights. ThankYou Points will be issued to your Account once the purchase posts to your Account and is based on the amount of the final transaction, not the authorization amount.

Restaurant purchases made outside of Citi Nights may post to your Account on a Friday or Saturday. However, these purchases will not qualify for Citi Nights if the authorization for the purchase occurred at a time other than between Friday 6:00 PM through Saturday 6:00 AM ET, or Saturday 6:00 PM through Sunday 6:00 AM ET. For example, a restaurant purchase you made on Thursday night that posts to your Account on Saturday night would not qualify because the authorization took place outside the Citi Nights timeframe.

Merchant Classification for Rewards Categories. Merchants are assigned a merchant category code (“MCC”), which is determined in accordance with Visa/Mastercard/American Express procedures based on the kinds of products and services the merchants primarily sell. We don’t control the assignment of these codes and are not responsible for the codes used by merchants. When you use your card to make a purchase, we’re provided an MCC for that purchase. We group similar merchant codes into categories for purposes of making rewards offers. Sometimes you may expect a purchase to fit within a rewards category, but if the code assigned to the merchant wasn’t grouped into that category, as recognized by Citi, your purchase will not qualify for additional points. For example, you won’t earn additional points for purchases at a restaurant located within a retailer if the restaurant is assigned a “retailer” code instead of a “restaurant” code. Please also note - purchases made through mobile/wireless technology may not earn additional points depending on how the technology is set up to process the purchase. We reserve the exclusive right to determine which purchases qualify for additional points.

Only Purchases Earn Points. You’ll earn Points for purchases using your Card Account, minus returns and refunds. Balance transfers, Citi Flex Loans, cash advances, checks that access your Card Account, items returned for credit, unauthorized charges, interest and account fees, travelers checks, foreign currency purchases, money orders, wire transfers (and similar cash-like transactions), lottery tickets, gaming chips (and similar betting transactions) do not earn ThankYou Points. When using Citi Flex Pay, you only earn ThankYou Points on the original purchase. If your hotel purchase booked through the Citi Travel site qualifies for the $300 annual hotel benefit, you won’t earn points on the portion of your purchase that is offset by the benefit.

Open and Current Card Account. You may earn Points as long as your card account is open and current.

When You Will Receive Points. Points earned through a purchase with your Card Account will appear in your ThankYou Account at the end of the billing cycle in which you made the purchase. This means that Points earned on purchases made near the end of a billing cycle may take up to one additional billing cycle to appear in your ThankYou Account. Bonus Points may take one to two additional billing cycles to post to your ThankYou Account.

Please see the Citi ThankYou Rewards Terms and Conditions at Redirecting to Live Site, or call us at 1-800-THANKYOU (1-800-842-6596) to request a complete copy of the Terms and Conditions. (TTY: We accept 711 or other Relay Service.) The Terms and Conditions include redemption information on the Citi ThankYou Rewards Program.

Changes to the ThankYou Rewards Program. ThankYou Rewards may be terminated with 30 days prior written notice. If ThankYou Rewards is terminated, you will have 90 days from the ThankYou Rewards termination date, or if required by law, date of notification of termination, to redeem all your accumulated ThankYou Points. The ThankYou Rewards Program may be changed at any time, and if required by law, we will provide notice. Rewards offered by ThankYou Rewards and the ThankYou Point levels required for specific rewards are subject to change without notice.

Up to $300 Annual Hotel Benefit via Citi Travel

Once per calendar year, enjoy up to $300 off a hotel stay of 2 nights or more when booked with Citi Travel via cititravel.com or 1-833-737-1288 (TTY:711). This benefit is subject to the following eligibility requirements: To receive the annual hotel benefit, you must pre-pay for your complete stay with your Citi Strata Elite Card, ThankYou® Points, or a combination thereof. If you choose to use the benefit, up to $300 will be applied to your reservation at the time of booking. If your reservation is less than $300, the remaining amount of the annual hotel benefit will be available for your next qualifying purchase in that same calendar year. If you cancel a booking for which you used any or all of your annual hotel benefit, the benefit will be returned to your account after the cancellation is processed and will remain available for use on any remaining days in the same calendar year. For example, if in November you make a qualifying reservation for March of the next year and use your $300 Annual Hotel Benefit, but you cancel the reservation in January, you will forfeit that benefit for the prior calendar year. If you use your annual hotel benefit for a non-refundable hotel purchase and you cancel your hotel booking, the non-refundable charge will still be offset by the benefit. All reservations must be changed or canceled through Citi Travel via cititravel.com or 1-833-737-1288 (TTY:711). If your hotel purchase qualifies for the $300 Annual Hotel Benefit, you won’t earn points on the portion of the purchase that is offset by the benefit.

Eligibility requirements:

Reservations must be made by the primary cardmember. Reservations can be made in the primary cardmember’s or Authorized User’s names.

Package rates such as air and hotel, or hotel and car rental do not qualify for the benefit.

Reservations made through any party or channel other than Citi Travel via cititravel.com or 1-833-737-1288 (TTY:711) are not eligible for the $300 Annual Hotel Benefit.

The $300 Annual Hotel Benefit cannot be combined in the same transaction with the Citi Prestige® Card Complimentary 4th Night hotel benefit if you have both the Citi Strata Elite and Citi Prestige cards. This benefit also cannot be combined with any other promotions or discounts on thankyou.com.

Up to $200 Annual Splurge CreditSM

Each calendar year, you may receive up to $200 in statement credits towards purchases made with an activated Splurge Credit merchant. Only the primary cardmember may sign-in at Credit Cards, Banking, Mortgage, Personal Loans | Citi.com or call 1-833-888-2168 (TTY: We accept 711 or other Relay Service) to select the Splurge Credit merchant(s) they would like to activate for their Splurge Credit. You may activate no more than 2 Splurge Credit merchants at any time. When you activate a Splurge Credit Merchant, we register your activation using Eastern Time. This could impact the day your new Splurge Credit Merchant is activated, or a merchant being replaced is deactivated, depending on your time zone. You may change your merchant(s) selection at any time. Once selected, a merchant is activated as of 12:00 AM ET on the day the merchant is selected. For example, if you select a merchant at 11:00 PM ET on a Wednesday, all purchases made with that merchant from 12:00 AM ET on Wednesday may qualify for a Splurge Credit. If more than two merchants are selected in any day, the final two selections at 11:59 PM ET will be activated for that day. Splurge Credit merchant options are subject to change at any time. If your activated Splurge Credit merchant is removed from the program, it is your responsibility to activate another merchant.

Once a Splurge Credit merchant is activated, credits will be issued for purchases at the activated merchant that post to the Citi Strata Elite Card, up to a total of $200 each calendar year. In order to receive a Splurge Credit, the Splurge Credit merchant must be activated when the purchase is authorized by the merchant. If the Splurge Credit merchant was activated when the purchase was authorized but is no longer activated when the purchase posts to the account, the purchase will still be eligible for a Splurge Credit. If the merchant does not authorize a purchase, for whatever reason, then the purchase will not be eligible for a Splurge Credit. Purchases made by either the primary cardmember or Authorized Users are eligible for Splurge Credits. However, the total amount of Splurge Credits will not exceed $200 per calendar year for the Account, regardless of who made the purchase.

Splurge Credits are applied after the purchase posts to your account. Splurge Credits are applied to the annual Splurge Credit amount for the calendar year the purchase was authorized. Eligible purchases that are authorized before December 31st, 11:59 PM each calendar year are eligible for statement credits within that year even if the purchase posts to your account the following year. Some merchants will not process a purchase transaction until the merchandise is shipped, this may delay when a purchase posts to your account. If a merchant authorizes a purchase repeatedly over time before posting the purchase to your account, Citi will use the last authorization date to determine eligibility. Citi is not responsible for when a merchant processes a transaction or how many times they authorize a transaction, if at all. Citi reserves the sole right to determine which year’s Splurge Credit benefit an eligible purchase is applied to.

To qualify for a Live Nation Splurge Credit(s), a purchase must be made directly on livenation.com or ticketmaster.com, and the purchase must be fulfilled by Live Nation or Ticketmaster. Purchases fulfilled by any other third-party service are not eligible to receive Splurge Credit(s). Livenation.com and ticketmaster.com purchases made for events or venues outside of the United States and U.S. Territories are not eligible to receive Splurge Credit(s). Live Nation and Ticketmaster are not sponsors of this offer and are in no way responsible for the administration of the offer, the verification of eligibility, or the fulfillment of credits. All inquiries regarding the offer should be directed to Citi at 1-833-888-2168 (TTY: 711). American Airlines purchases that qualify for the Splurge credit are items billed by American Airlines or American Airlines Vacations as the merchant of record. Products or services that do not qualify for the Splurge credit are car rentals and hotel reservations, purchase of AAdvantage® status boost or renewal, and AA Cargo™ products and services. Citi reserves the sole right to determine which purchases qualify for a Splurge Credit. It may take up to 1-2 billing cycles for your Splurge Credit to appear on your statement. Splurge Credits are not applied to the Minimum Payment Due on your account.

Up to $200 in Annual Private Chauffeur Credit with Blacklane®

You will automatically receive statement credits totaling up to $100 from January through June and up to $100 from July through December, for a total of up to $200 per calendar year, toward purchases made with Blacklane using your Citi Strata Elite Card. Purchases must be made directly through the Blacklane app or their online website at blacklane.com. Purchases made by both the primary cardmember, and Authorized Users, are eligible for statement credits. However, each Account is only eligible for statement credits up to $100 for Blacklane purchases with a sale date from January through June and statement credits up to $100 for Blacklane purchases with a sale date from July through December, for a total of up to $200 in statement credits per calendar year. If your first ride with Blacklane in a 6-month period does not use the entire $100 credit, the remaining balance will be available for your next qualifying purchase within that 6-month period. Citi is not responsible for the sale date Blacklane submits with a purchase to your Account. Credits are assigned to a 6-month period based on the sale date provided by Blacklane with the purchase transaction, which may not be the date of service. For example, if you use Blacklane services on June 29th but the purchase transaction is submitted by Blacklane with a July 1st sale date, the purchase will be applied to the $100 statement credit for the July through December period. Statement credits reduce your account balance but are not applied to the Minimum Payment Due on your account.

Banking Relationship First Year and Annual Credits for qualifying Citigold® Private Clients

To qualify for the $595 First Year Banking Relationship and $145 Annual Credits, the primary cardmember must have an open and current Citi Strata Elite Card account with an assessed Annual Membership Fee of $595. Cardmembers paying an Annual Fee of $595 will earn a $595 statement credit in the first year of cardmembership and a $145 statement credit each year thereafter. The primary cardmember must also be an owner of a deposit account in the Citigold® Private Client Relationship Tier on the date your Annual Fee is charged to your Card Account. Existing deposit customers who are not in the Citigold® Private Client Tier and intend to Up-Tier to the Citigold® Private Client Relationship Tier must meet Balance Range requirements for three consecutive months to be Up-Tiered to the Citigold® Private Client Relationship Tier the first day of month 4. Existing deposit customers who enroll and meet Tier Acceleration requirements can Up-Tier in the next month. All Up-Tiering changes are effective on the first day of the month. The statement credit will be posted to your Card Account within three (3) billing cycles after the date your Annual Fee is charged to your Card Account.

Banking Relationship Annual Credits for qualifying Citigold® Customers

To qualify for the $145 Banking Relationship Annual Credit, the primary cardmember must have an open and current Citi Strata Elite with an assessed Annual Membership Fee of $595. The primary cardmember must also be an owner on a deposit account in the Citigold® Relationship Tier on the date your Annual Fee is charged to your Card Account. Existing deposit customers who are not in the Citigold® Tier and intend to Up-Tier to the Citigold® Relationship Tier must meet Balance Range requirements for three consecutive months to be Up-Tiered to the Citigold Relationship Tier the first day of month 4. Existing deposit customers who enroll and meet Tier Acceleration requirements can Up-Tier in the next month. All Up-Tiering changes are effective on the first day of the month. The statement credit will be posted to your Card Account within three (3) billing cycles after the date your Annual Fee is charged to your Card Account.

Global Entry® Or TSA Precheck® Application Fee Credit

Citi Strata Elite cardmembers are eligible to receive one statement credit up to $120 per Account every four years for either the Global Entry or the TSA PreCheck program application fee. The application fee must be charged to your Citi Strata Elite Card to qualify for the statement credit. You will receive a statement credit for the first program (either Global Entry or TSA PreCheck) to charge an application fee to your Citi Strata Elite Card, regardless of whether you are approved for the program. Please allow 1–2 billing cycles after the Global Entry or TSA PreCheck application fee is charged to your Account for the statement credit to be applied.

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Priority PassTM Select Lounge Membership

Primary cardmembers and their authorized users receive complimentary membership to Priority Pass Select. Priority Pass Select membership includes access to over 1,500 airport lounges around the world. Your Priority Pass Select membership includes access to airport lounges participating in the Priority Pass Select network but does not include benefits at restaurants, cafes, or markets in the network. To access a lounge, present your physical Citi Strata Elite Card along with a boarding pass for same day travel. Primary cardmembers and their authorized users may create a digital account with Priority Pass at www.prioritypass.com/citistrataelite to access a digital membership card, however this step is not required for entry. With the Priority Pass Select membership, you are permitted up to 2 guests per visit to any participating lounge. Some lounges do not admit guests. You will be responsible for any guests accompanying you to a participating airport lounge. Some lounges may allow more than 2 guests, but only 2 guests are included with your Priority Pass Select membership. For additional guests, your Citi Strata Elite credit card will be charged $35 per guest, per visit. Priority Pass may use your information for marketing related to the program. Your Citi Strata Elite account must be open and in good standing to maintain your membership. Lounges participating in the Priority Pass network are owned and operated by independent third parties and their participation and/or facilities may change or be discontinued without notice. Access to a lounge may be denied, at the lounge’s discretion, due to capacity or if the lounge is reserving space for pre-booked members, among other reasons.

Priority Pass Select membership is subject to the Priority Pass Select Terms and Conditions. For the full conditions of use, please visit https://www.prioritypass.com/en/conditions-of-use or call 1-800-352-2834.

Four Admirals Club® Citi Strata EliteSM Passes to American Airlines Admirals Club® Lounges

Each calendar year, the Citi Strata Elite primary cardmember will receive four digital Admirals Club® Citi Strata EliteSM Passes (“Pass” or “Passes”) to the Admirals Club® lounges.

The primary cardmember must redeem one Pass to enter an Admirals Club lounge and may redeem available passes for each accompanying adult 18 years of age or older. The primary cardmember may redeem all four passes in one visit to bring in a maximum of three adult guests. The primary cardmember must be present with each accompanying adult for them to enter any Admirals Club lounge location. Once redeemed, a Pass is valid for a 24-hour period and can be used in multiple locations during that time. Up to 3 children under 18 years of age who are traveling with an adult who redeemed a Pass may also enter the lounge. Any Passes not redeemed at the end of the calendar year will be forfeited. To review a current list of Admirals Club lounges please visit aa.com/admiralsclub.

To access an Admirals Club lounge, the primary cardmember must present for themselves and on behalf of accompanying adults: a Pass located in their AAdvantage Wallet (located in the American Airlines Mobile App); or their boarding pass including their AAdvantage® number. The primary cardmember and any accompanying adults must also present: (i) their current government-issued I.D.; and (ii) a boarding pass for same-day travel on an eligible flight, which includes any departing or arriving flight that is (1) marketed or operated by American Airlines, (2) marketed and operated by any oneworld® carrier, or (3) marketed and operated by Alaska Airlines; and (iii) any additional documentation required by American Airlines. All persons must be of valid drinking age, based on applicable law, to consume alcohol.

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我没有用过但是有听说citi的travel portal最烂……？

gpt的魅力

感觉citi travel不行啊

楼主是不是忘了最重要的年费？

595zs

我用过两次citi travel，还可以。有的时候tax/fee特别贵，避开这样的商家就行了。今年订的大阪环球影城旅馆，和官网一个价钱，减掉premier的100刀折扣，还是不错的。

这是跟AA深度绑定了啊，减年费还得private，看来不用纠结了

又看了下term citigold就可以减只是不能免第一年，但还是很难回本感觉

这个blacklane看了下从陆家嘴到pvg，77USD

好好好，强行消费升级

没什么用啊，连新csr都比不过

哦哦感谢dp，attraction会有迪士尼环球这种吗

我能想到唯一有用的就是CPC，对他们来说这些消费都是刚需特别是打车，省下了595年费，血赚

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300刀报销只管酒店。

·citi.com/splurgecredit· 是可以查看和选择2个商家的网站。目前看，没有账号不能访问。GPT说可能会有Lyft和Saks，Lulu， Ulta。不知可靠性如何。如果选择多的话，一年报销500刀不成问题啊。

能0年费自然血赚

有……但是我看了北京环球app人民币六七百，citi portal全是145刀，啊？？？

肯定不是能让你无脑订最低价的网站。但是我自己订到了和官网持平，再叠加折扣的酒店。肯定是需要花时间找的。

对，一直犹豫要P2开CSR还是这张Elite。CSR就是属于Coupon也能用的出去，但需要被迫使用，刨去travel credit，等效年费500，这500AF有300 dine-in credit，300 stubhub，250+259 edit，就是给生活锦上添花的。Elite 300 portal credit 泛用性就很高了，定个150刀大车店 2晚就花出去了，200 splurge credit 应该是有个商家列表，而且估计每年也会滚动，所以可能不经意间就花出去了，还有一个被忽略的点是，这个elite没有每个月credit，主打一个省心

强关联aa账户？下一步是不是就可以转分了

【引用自 未知】:
Citi新卡Strata Elite的一点消息 信用卡
申请这个还是chase呢？
投票
chase申请哪个呢

对高净值人群缺乏独家吸引力，e.g., AmEx和Chase都有自营休息室

仅仅是一本coupon book，也许对我们来说是强行消费升级，对人家来说是刚需。但也仅此而已

而且卡面设计那么丑，和Costco一个风格，又没有Costco好看

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Blacklane估值就$30左右

最重要是那兩百元再什麼商家可選

Live nation 和tickets master都只限美國內 不太好用

用在aa就勉強當$100吧

但是两百刀直接报销 而不是一周20刀 还是好事

今年定了vegas的bellagio减去premier的100比expedia便宜

還有個Citi版fhr 不知道是不是elite專用

撸卡族跟高端商务打车服务不搭干，blacklane的估值能到30%估计是天花板了，个人觉得除非能退改大法，否则接近于零价值。

citi premier的$100credits 我两年没用出去了，贵的酒店用分换了，便宜的酒店很少能住到税前总额$500，能定的酒店还比 booking 上少很多，实在是不好用，如果 elite 的$300credit 能好用一点的话我倒是可以转卡

另外感觉 ticketmaster 比 stubhub 好，大部分演唱会原价票都只在 tm 上放

几个年度 credits 居然都是 calendar year? 那看来可以搞升降机

几年也坐不到一次aa，蒜鸟蒜鸟

所有用户都是100k吗

这个aa不知道能不能买gc

不能这么比啊，年费95是直接付出去的，那100值多少就得portal直接跟原价比，而不是减了100再跟ota比

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西东雅图到机场扣掉100的报销话就是和UBER差不多价格，报销了个寂寞

国内刚好可以用掉，PVG到美国签证处 ，估计正常打出租车也就200人民币, 还真是差不多30%价值

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是的，如果等效年費在100內我都可以接受

現在能無損報銷，又能帶人的pps太少了

看條款好像可以 買點數那些

500-100其实很好用的 如果不考虑 酒店房晚累计

还有x10 积分 4000积分40刀

相当于500-140

但是他给10倍的分啊

好像只在亞洲能用，在美國都天價

对，主要base有eva还是很香的

livenation.com and ticketmaster.com purchases made for events or venues outside of the United States and U.S. Territories are not eligible to receive Splurge Credit(s).

好奇他怎知道活動在那舉辦，帳單上還能識別？

话说Blacklane如果计价是其他货币（比如欧元）能除法报销吗？

的确可以把这个分算上，我稍微算了一下citi travel价得满足一定条件才能赚。

这个也是对于bellagio这种非连锁比较有用，如果是大型连锁酒店还得再去掉酒店积分成本。

我主要是因为base有eva，可以留着换回国机票很香

我只换成过一次eva三张business票回国。很香。但是很不好搞

帮朋友出过一张票 EVA巨麻烦

是指信用卡验证吗？还有别的地方麻烦么？

【引用自 wonderer】:
$200 年度 Blacklane 司机服务报销：每半年最多 $100，用于 Blacklane 乘车服务。
剛好家裡到SJC是$100 省一次lyft錢 $20

要给朋友申请账户在转分过去.. 还要等几天 .. 没其他家的简单

没法直接自己账户给别人出？

可以吗 我不知道..

我没操作过，也是提问

不行。eva帮自己家人买票都累个半死。流程非常反人类

我去 我以为你知道…

我是指那个200刀的splurge。不是blacklane打车。哪个我根本没指望

是，就是分不太好搞

没法 需要转给自己的Eva账号，再转给别人。需要发传真给Eva的洛杉矶办公室授权转分。

我是凑三张票很困难。大部分日期都只有一张两张票，但是那个狗屁UI不能直接告诉你剩几张票

所以这个pps到底包不包括餐馆的？

这样嘛？我还没换过，想攒到两张商务的时候和我老婆一起换

如果你之前持有的是 Citi Prestige 卡，可能曾享有 Priority Pass 餐厅权益。但是 Strata Elite 不同，其 Priority Pass 权益仅限 lounge 访问，不包括餐厅访问

Typ只能转同名的Eva账号。如果你们俩夫妻可以互相转typ的话就没问题

也不是，至少得对比同级别的车是不是

我自己有30w分，我不能订两张票给两个人嘛？

不能 。先转给自己的eva，再摆自己的Eva分转一半给领导

那问题应该不大，就是麻烦点

Citi TYP还有一个大杀器是1:4转点到preferred hotels。我今年刚用过。12500点一晚住东京新大谷。虽然是过气的五星酒店，但是现在125刀一晚上在东京还是不错了。12500点还可以住在紧挨着涉谷地铁站的excel和steam旅馆。房间小了点，但是位置无敌。

77刀叫到的是什么车

跟chase蓝宝石一样，都是古早windows屏保风格 Citi是贝塞尔曲线什么的

这有啥深度绑定的，就四次access

蚕食不了aa，啥时候typ转AA能谈下来

这张卡credit拿满了也cover不了年费啊 300+200+200*0.4=580

放点砖就是450年费

1m 也太多了

可以放SGOV或者VTI/VOO

不用 1M. 200K就可以citigold。

450年费我都觉得这玩意好垃圾

你这coupon book没学到一点啊，撸完了都撸不到多少钱

然后也没status 没additional spend bonus ???

奔驰E

放那么多砖感觉不如丢boa里开elite了

不是写的要private吗（看错了 免年费才是private）

国内叫个奔驰E估计就50刀

Banking Relationship Annual Credits for qualifying Citigold® Customers

To qualify for the $145 Banking Relationship Annual Credit, the primary cardmember must have an open and current Citi Strata Elite with an assessed Annual Membership Fee of $595. The primary cardmember must also be an owner on a deposit account in the Citigold® Relationship Tier on the date your Annual Fee is charged to your Card Account. Existing deposit customers who are not in the Citigold® Tier and intend to Up-Tier to the Citigold®Relationship Tier must meet Balance Range requirements for three consecutive months to be Up-Tiered to the Citigold Relationship Tier the first day of month 4. Existing deposit customers who enroll and meet Tier Acceleration requirements can Up-Tier in the next month. All Up-Tiering changes are effective on the first day of the month. The statement credit will be posted to your Card Account within three (3) billing cycles after the date your Annual Fee is charged to your Card Account.

亲测还可以填好form把form发到[email protected], 授权的非常快

这都是真的假的

这卡点数可以换现金吗？

这个好。我那时还没有。不过给家人授权一次就行了，不用以后每次麻烦。

可以。1:1换现金。如果还有尚存的reward+可以1:1.1.但是没几个月可用了。

是不錯 但換酒店又換機票就不夠用了

Typ 三樣最好就是Eva choice i prefer

citi官方网站。

choice其实不怎么划算，除非用的非常多，否则每年0.5cpp卖分的时候买满就完了，哪怕算上rewards+的10%也就只相当于把typ用出了1.1cpp而已

看完完全没兴趣。还不如plat和csr

【引用自 wonderer】:
仅限新户申请
意思是不可以四开吗？如果可以四开，扔20砖开四张似乎也不错

【引用自 wonderer】:
如果还有尚存的reward+可以1:1.1.但是没几个月可用了。
我的reward+都已经被强制转成Strata了。

我的还有几个月。到期之前转那个分才能最好得用最后的1:1.1机会？

Splurge credit里面也就AA好用点

除非宣布typ可以转aa不然真没啥吸引力

今年shiti股票比amex涨得好

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AA人人說好 可是我看不太懂好在那

好的，冲！

AA回国机票180K+，商务300K+。EVA比他香多了。

AA國內線隨便換退改，兌換所需里程少，寰宇很好換，AA取得不易。

确实是，看了一眼滴滴豪华车浦东到梅龙镇广场就是360人民币，虽然有一张80的券但是这种券好像很常见

我也好奇這Blacklane 能有多豪華

我uber black也沒試過

Once you go black, you never go back.

太垃了，除了 Splurge Credit（Ticketmaster）其他都用不到

这个用L3 data识别不难吧。Ticketmaster和Citi本來就有合作，有些活动甚至有Citi持卡人专属的座位

比csr报销的轻松一点吧，但这些福利不太能赚回这个年费，有点像改版之前的CSR，但是人家有hyatt，现在citi的点数价值没有那么高

确实非常扯淡…搞coupon book学学Amex，起码账面是大于年费的，citi这低价值的coupon太多了…

【引用自 wonderer】:
Blacklane 乘车服务
搜了一下，NYC举例，从Penn到JFK $158。

$58到打车到JFK还不错啊？年抛卡用两次很容易，但不值得为这个coupon持卡就是了。

10x这对ota来说不算多啊

比如你在expedia定的话，expedia自己的返点返现+rakuten返现一起也快有10%了，还能随便用别的信用卡比如double cash再来个2%

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citi 申请好难通过 哈哈哈 卡面好丑！

citi的渣it真的没边了

Citi Nights 时间段（即每周周五和周六的 6pm to 6am ET)

连按照餐厅地址分时区都做不到吗

對於typ的估值應該高於1%吧

“等效年费100以内，无损报销，pps能带人”

你这描述的不就是BOA PRE吗，给4张pps还能吃饭

他们定$6250的酒店就可以转75000TYP去长荣换票了，这可比$750香了

后面就是booking/rocket/agoda，订过了后面扯皮的时候都是这些公司的人冒出来扯皮的。白天打电话是美国人接，晚上打电话是印度人接，凌晨打是菲律宾人接，最后是香港人给我发邮件。。。

好像真的不錯 以前覺得不能零年費沒留意

現在看來已經算比較好的選擇

不知道這卡的ride share , food delivery 外國平台能不能報銷

如果可以打算申一張

今年大环境明显变差了，去年pre不会考虑长持的，今年摇身一变已经算不错的卡了

剛剛才發現aa能買gift card ，那給它的200估值可以高一點

【引用自 venusgun】:
减年费还得private
CSR和AMEX白金也能减年费吗？

这卡会和 Citi Strata Premier有48个月的拿奖励限制么？

是这样的，如果需要父母pps几乎唯一选项了（不整HSBC的话）

手里有vx刚刚双开了pr和pre，希望boa懒一点

这不是和新premier一个卡图

fyi那个灰边是真实存在的，立马丑了两个维度..

大家聊的这么热火朝天我都不好意思打断大家的热情，但大家都能下卡吗？

反正自从上次triple dip premier之后就开不出citi卡了，好痛苦，眼看新的卡没法开，有没有挽救的办法啊？救救孩子

下premier的时候还没学到triple dip，然后再也下不了citi了

【引用自 Michael_1】:
就开不出citi卡了
什么原因

Shiti把服务器炸了？

它是整个stay $500吗？ 我一直以为一天要$500

不开chase ritz carlton是因为5/24吗

是的目前18/24吧= =请转告chase我回不了头了

另外不能吃饭+房券用不掉（FHR太多了

不知道栗子的pps副卡要ssn吗？boa和vx好像都不用ssn

你可以再读一读

用Uber多少？Costco的Uber经常25% off 常年20% off，可以对比下。没准这$100连$20都不值

【引用自 wonderer】:
CSR和AMEX白金也能减年费吗
MS版的白金能免年费

往返？单程临期dfw-pvg的商务有过95k

【引用自 wonderer】:
AMEX白金也能减年费吗
Corporate advantage可以减150

【引用自 venusgun】:
Corporate advantage
这个开公司卡，给个人卡补助，总是有点怪怪的。

MS版白金卡可比citigold麻烦难搞多了。

citigold

跟schwab plat -100差不多吧

ms plat研究过，感觉一年比一年难弄，没必要

schwab plat要1M，才能减100.citigold 200K就可以减145+200=345

不是

如果有200kish

plat af - 100 vs shiti -145 我还真不少说，我觉得plat等效年费更低，benefits更好

a $100 Card statement credit if your qualifying Schwab holdings are equal to or greater than $250,000 and less than $1,000,000; (2) a $200 Card statement credit if your qualifying Schwab holdings are equal to or greater than $1,000,000 and less than $10,000,000; or (3) a $1,000 Card statement credit if your qualifying Schwab holdings are equal to or greater than $10,000,000,
【引用自 wonderer】:
200
你把debit算上了？

嗯。是subscription reimbursement。可以用来报销costco membership和amazon prime。但是由于渣行的IT实在是太渣，你只要去costco买130刀的giftcard，渣行就会认定为costco membership给你报销。而且一年可以报销多次。简直渣的不能再渣。

更新一下。最近一次买gc没有给报销。貌似渣行bug修好了。

对啊，哪个reinbursement不是用debit刷的时候吗

Eligible Subscriptions:

Rebates apply to subscriptions purchased through the merchant’s website (or phone for Costco) with a Citigold debit card.

Examples of Eligible Subscriptions:

Costco, TSA PreCheck, Hulu, Amazon Prime, Spotify Premium.
【引用自 wonderer】:
你只要去costco买130刀的giftcard
wtf

无上限吗

citigold $200, citigold private client $400.

100刀blacklane？别忘了给小费

到底啥时候出来，急死了

携程豪华车（奔驰EQE）只要268.这玩意在国内用就是坑老外的。

也许在国外用会好一些？毕竟国外人生地不熟，不知道被坑就不算被坑

blacklane疫情的时候不是倒闭了么？

我没有栗子，但我猜不需要，因为我好几张chase的卡有副卡，不需要ssn

你这FHR太多听起来应该是白金大户，我相反，我amex总是没有开卡奖励，始终开不出

肯定不給

$20 <> $100這樣算就行了 lyft還有$10 credit from CSR呢

所以这周末launch还是啥来着？

我在citi的RM说是下周

又變下周了

有说周六还是周日么？周日开着的branch太少了

没说。我估计是周一。说是在branch才有最好的sub。

明天希望有

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aa或者bb能买gc的话也还不错了吧。

都不错。等待实践DP中。

更新一下。最近一次买gc没有给报销。貌似渣行bug修好了。

The policy provides secondary coverage only except for MasterRental, where coverage is primary outside the Eligible Renter’s country of residence.

租车保险竟然都不是primary的

不知道elite会不会给MasterRental

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World Legend Mastercard®持卡人可享受的各种保险和消费保障权益
一、车辆租赁保险（MasterRental Coverage）

适用条件：用符合条件的Mastercard全额支付租车费用，拒绝租车公司提供的碰撞/损坏豁免。
保障内容：涵盖车辆碰撞、翻车、恶意破坏、盗窃、其他物理损坏。提供拖车、维修期间的租车费用和损失使用费补偿。
保障范围：在美国为次级保险（需先申请其他保险），在国外为主保险。
不涵盖车辆：卡车、露营车、豪车（如法拉利、保时捷等）、摩托车等。
不承保情况：如违法驾驶、酒驾、车辆未锁、商业用途等。

二、行程取消与中断保险（Enhanced Trip Cancellation & Interruption）

适用条件：用该卡全额支付公共交通工具的费用。
承保原因：

意外伤病或死亡
恶劣天气
军事调令
恐怖袭击或劫机
法庭传唤、房屋毁损、隔离、旅行服务提供方破产等

赔偿项目：不可退还的旅行费用、额外返程交通费等。
赔偿限额：每次最高$5,000，每年每账户最多$10,000。

三、行程延误保险（Trip Delay）

条件：使用该卡支付完整行程费用。
承保情况：天气、设备故障、证件遗失等造成超过6小时的延误。
赔偿内容：额外住宿、餐饮、个人用品等费用。
赔偿限额：每次最高$500，每年最多2次。

四、行李遗失或损坏保险（Lost or Damaged Luggage）

适用条件：行程费用全额用该卡支付。
承保内容：托运行李或随身行李的永久丢失或损坏。
赔偿限额：每次最多$5,000（纽约州每件行李最多$2,000），每年最多2次。
不涵盖物品：现金、贵重品、电子产品、眼镜、植物、动物等。

五、延长保修（Extended Warranty）

适用条件：全额使用该卡（或结合积分）购买，原厂或商店保修期不超过24个月。
保障内容：在原保修期满后再延长最多24个月。
赔偿限额：每件物品最高$10,000，赔偿方式可为维修、替换或退款。

六、购物保障（Purchase Assurance Plus）

适用条件：在购买日起120天内（纽约州90天）被盗或损坏。
赔偿限额：单件物品最高$10,000，每年账户总赔偿上限$50,000。
不承保情况：神秘遗失、二手物品、车辆、现金、商业用途商品等。

七、索赔方式

所有项目均可通过官网 www.mycardbenefits.com 或电话 1-833-251-6404 报案，并在60天内申报、180天内提交相关证明材料。

八、法律声明

所有保障由AIG旗下New Hampshire Insurance Company承保。
本指南不构成正式保单，具体内容以主保单为准。
Mastercard保留修改或取消福利的权利。

snamwpm.eccmp.com

gtb_cre388.pdf

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感觉有些没看懂哎
【引用自 纯洁有爱小学弟】:
The policy provides secondary coverage only except for MasterRental
这个条款意思是除了MasterRental其他的保险都是 Secondary。但是根据这份pdf文件和你的截图MasterRental也是secondary？？

另外这份pdf文件是master官方提供的，具体还要看银行给哪些。然后文件的也没有说是master哪个级别的卡。

这个是目前citi现有卡的福利条款。

snamwpm.eccmp.com

gtb_cre131.pdf

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但对于world legend的具体条款好像还没有出

【引用自 wonderer】:
保障范围：在美国为次级保险（需先申请其他保险），在国外为主保险。
这个年费的卡连primary保险都不给？

wtf今年的还没报呢

感觉此卡全方位不如CSR。

【引用自 wonderer】:
$200 年度 Blacklane 司机服务报销：每半年最多 $100，用于 Blacklane 乘车服务。
【引用自 weiweiwieweieiw2192】:
剛好家裡到SJC是$100 省一次lyft錢 $20
Sea基本是double uber的价格随随便便$140

有travel book and refund的dp吗

芝加哥triple了。。。uber去38，blacklane 125

什么double triple

我这个城市都不提供这个服务

595年费的卡没有primary coverage, mastercard弱爆了啊

a

难绷 感觉憋了个大的

没有primary CDW/LDW, 对我而言这个弱点是deal breaker。所以我准备继续保留CSR，不申请这张Citi的新卡。

lax 到家，uber 90-100，这个180，感觉就值10-20

感覺200元報銷 ，應該買Best Buy gc用途最廣

其次就aa

200 splurge报销如果能best buy买amazon gc的话，那还蛮好的

可以的 terms & conditions没有排除gift cards

纠结啥，500刀换十万aa 闭眼入 纠结的，我给你付年费，点数归我ok不

595年费的stara elite和95年费的stara premier的延误险貌似一样啊

朋友出去玩幫大家定酒店我都用的citi premier

$100報銷做個順水人情

實則白嫖小幾萬點TYP

全家福

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不经意间轻易显示出自己有一个m在citi

你不是也有一个M放在JPM搞JPM Private Client吗？而且重点不应该是首年免年费吗？

跟我一毛一样 两年没用出去

今年都1.1 cash out了 然后降级cc

结果你来个能转aa

屁用没有，advisor三天两头要跟我meet来给我做financial planning，还不给办jpmr。我早就撤资了，taxable的全放在ibkr，这样下次买房就直接借出首付不用买股票了。

extended warranty还行？别的感觉一般啊

的确很一般。回头看Travel 300块有多好撸吧。

人在中国。这卡没拿到实体卡 有虚拟卡 可以网上注册用吗？

需要实体卡cvv激活才能用虚拟卡。

那这次没机会用这些coupon book了=_=!

新加坡 我家打奔驰去机场60 blackline 95可能还不是奔驰

【引用自 RichardCXiong】:
这个blacklane看了下从陆家嘴到pvg，77USD
好好好，强行消费升级
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有人去了bb买苹果卡报销成功的吗

reddit上有人说在bb买amazon gc没有报销

亏麻了，看来可以尝试买东西退礼物卡？

这个肯定可以做，就是bby来回路上加万一排队，一个小时起, 所以要减掉你的hourly rate

没事，上班时间没有hourly rate

是在bb上班？

应该等一个statement之后再看 不一定像chase那样立刻的

今年 Citi Travel 的价格确实会比较便宜

怎么这么渣

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200 的 Splurge 可以买BB gift card嘛

可以zszs

可以online嘛 还是只能in store

买过online 50元的amazon

想问问新申请elite还没到 但是已经放进了apple wallet，我到bb实体店买gc可以触发splurge报销吗，d担心等卡寄过来黑五黄花菜都凉了..

能用Apple pay买东西应该就没问题

求教Splurge的credit怎么用。想在Best Buy买电子产品。是直接在网上下单或者店里刷卡就可以了吗？不需要做其它什么吧？多谢！

下单前在citi app里选择splurge 商家 我们基本都是选aa/bb，就像amex的enroll一样

对的 post是bb就行了

三天前在Best Buy官网下了单，现在还没有报销。请问splurge商家的credit一般多长时间会到帐？

三到五个工作日吧，再等等

可以在best buy网站买amazon电子礼品卡吗， 能触发报销吗？

可以zs

在Best Buy买的电子产品，已经收到splurge credit了，大概等了四个工作日，正如楼上钛金Leo所言。请问万一退货的话，这个credit会被银行收回吗？

提前感谢分享DP！

看有dp是不会收回的，但不建议这样撸，买了后实在不满意要退的话一两次应该没问题

谢谢。还在犹豫中，也不想浪费时间去撸，但实在没有达到预期。

有人用来买ticketmaster的票吗？不知道报销怎么样，有坑没？

啊在BB买amazon egc都可以的？！

是的是的

chatGPT 太气人了，说这个必须每年重新select，实际上不需要

不是，你宁愿相信 ChatGPT 都不需要自己登录上去看看吗

登录慢啊