A public reference for this card's annual fee, benefit schedules, earning rules, and protections. Use it to understand what belongs to the card before you decide what to track.
Review this card's recorded earning rules before you move into its benefit windows and protections.
Expand a row for its recorded terms. Amounts describe the catalog rule, not automatic redemption or transaction matching.
2 recorded
$250 annual statement credit for travel purchases (airlines, hotels, car rentals, travel agencies, cruise lines, transit, parking)
Get the fourth night free when booking four consecutive nights or more at any hotel through Citi ThankYou portal. Credit equals average room rate minus taxes/fees. Up to 2 uses per calendar year
Up to $800 per claim with $50 deductible for theft or damage when you pay your monthly cell phone bill with your card. Covers up to 5 phone lines
Complimentary Priority Pass Select membership with access to 1,700+ airport lounges worldwide. Includes cardholder, immediate family members, and up to 2 guests
Up to $100 statement credit every 5 years for Global Entry or TSA PreCheck application fee
No foreign transaction fees on purchases made abroad
24/7 Prestige Global Concierge service provided by Aspire Lifestyle for travel planning, restaurant reservations, event tickets, and more
Transfer ThankYou Points to 21+ airline and hotel partners at 1:1 or better ratios, including 1:2 to Choice Privileges
Access to 2,000+ luxury properties worldwide with complimentary breakfast, room upgrades, late checkout, spa credits, and hotel credits through World Elite Mastercard
Extends manufacturer warranty by up to 24 months on eligible purchases made with your card
Coverage for eligible purchases against damage or theft for a limited time after purchase (secondary coverage)
Free identity theft monitoring and alerts through Mastercard ID Theft Protection program
Special access to presale tickets and exclusive experiences for concerts, sporting events, and more
Free access to your FICO credit score through your Citi account
Split eligible purchases into fixed monthly payments while continuing to earn points
24-hour customer service available 365 days a year
Instantly block new charges on a misplaced card while allowing recurring transactions to continue
Up to $800 per claim for damage or theft when you pay your monthly cell phone bill with a World Elite Mastercard. $50 deductible per claim, up to 2 claims per 12-month period, $1,000 maximum per account per year. Coverage is excess of any other applicable insurance.
Access to Mastercard Travel & Lifestyle Services including trip planning assistance, lowest hotel rate guarantee, hotel satisfaction guarantee, and Luxury Hotels & Resorts collection with complimentary room upgrades, breakfast, and amenity credits at 3,000+ properties worldwide.
Access to curated Priceless experiences and events through the Mastercard Priceless marketplace.
$5 Lyft credit by taking 3 eligible rides in a calendar month. Limit one credit per calendar month. Valid through 1/31/2027.
2-month free trial of Instacart+ for new members, plus $10 off second eligible Instacart purchase each month. Valid through 1/31/2027.
$5/month off Peacock Premium Plus or $3/month off Peacock Premium when paid with a World Elite Mastercard. Valid through 12/31/2027.
Complimentary 24/7 concierge service for travel reservations, restaurant bookings, event tickets, and other assistance.
Credit file monitoring for fraud, alert notifications about suspicious activity, and resolution specialist assistance.
Zero liability protection on unauthorized transactions — you are not responsible for unauthorized purchases made with your card.
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