citibank travel card lounge access

Citigold Lounges

More than a bank — a destination.

As a Citigold client, you have access to lounges located in cities around the world.

Catch your breath, rest in comfortable seating and enjoy design inspired by the local culture

Enjoy complimentary coffee, tea and refreshments to help you re-energize for the rest of your day

Stay connected to what matters with complimentary Wi-Fi and device charging 1

Meet Your Team

Meet in a private setting with your Dedicated Team to discuss your financial needs 2, 3

Attend invitation-only events featuring unique speakers, experiences and entertainment 3

Find a Citigold Lounge Location:

If you’re interested in finding out more, contact your Dedicated Wealth Team or click to learn more about the benefits of Citigold.

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Notificación importante

Por favor, tenga en cuenta que las comunicaciones verbales y escritas de Citi podrían estar únicamente en inglés, ya que, tal vez, no podamos proporcionar comunicaciones relacionadas con los servicios en todos los idiomas. Estas comunicaciones podrían incluir, entre otras, contratos, divulgaciones y estados de cuenta, cambios en los términos o en los cargos, así como cualquier documento de mantenimiento de su cuenta.

Please be advised that verbal and written communications from Citi may be in English as we may not be able to provide servicing related communications in all languages. These communications may include, but are not limited to, account agreements, statements and disclosures, change in terms or fees; or any servicing of your account. If you need assistance in a language other than English, please contact us as we have language services that may be of assistance to you.

CITI TRAVEL with Booking.com

Introducing citi travel℠: your first stop to your next destination.

Earn ThankYou ® Points when you pay for part, or all, of your trip with your eligible Citi Card through the Citi Travel portal. Plus, you can redeem your points towards even more adventures through the Citi Travel portal. With customizable options and booking right from your Citi Mobile ® App for eligible cardholders, the way to go is now way easier.

Earn More ThankYou ® Points on Select Bookings Through the Citi Travel portal

10x the fun with citi premier ®.

Earn a total of 10x ThankYou ® Points on hotels and car rentals when you book on the Citi Travel portal. Offer expires June 30, 2024. 1

5X the Fun with Rewards+ ®

Earn a total of 5x ThankYou ® Points on hotels and car rentals when you book on the Citi Travel portal. Offer expires December 31, 2025. 2

More Points, More Fun with Double Cash ®

Earn a total of 5 ThankYou ® Points per $1 spent on hotels and car rentals when you book on the Citi Travel portal. Offers expires December 31, 2024. 3

Offer provides 3 additional points on top of the 1 point per dollar on purchases and 1 point per dollar for payments on purchases

Earn More Points with Custom Cash ®

Earn an unlimited additional 4 ThankYou ® Points per $1 spent on hotels and car rentals when you book on the Citi Travel portal. Offers expires June 30, 2025. 4

Additional Citi Travel Portal Benefits

The citi travel portal offers perks to make your travel booking experience easier and more convenient., access to over 1.4 million hotel and resort options, competitive prices when booking flights, hotels, cars and attractions, 24/7 customer service support for your booking needs.

ThankYou ® Cards Make Every Day More Rewarding

It's easy to earn ThankYou ® Points with Citi credit cards. Find the one that helps you earn the most on your daily spending.

Citi Travel: Frequently Asked Questions

What is the citi travel portal.

Citi Travel is a travel booking portal that gives eligible Citi card members access to book flights, hotels, rental cars, and attractions at competitive prices, along with 24/7 customer support. Additionally, when you book through the Citi Travel portal using ThankYou ® rewards cards, you can earn ThankYou ® points on your travel spending which can then be redeemed to be used on your next journey.

How do I book through the Citi Travel portal?

To book through the Citi Travel portal:

• Login into your Citi Mobile App or directly into the Citi Travel portal using your Citi Online User ID and password.
• After that, search for the flights, hotels, car rentals or attractions you want to book and enter the necessary information (such as number of guests or passengers, travel dates, etc.)
• Confirm your booking and choose whether you want to pay with card, points, or a combination of these purchase options.ns.

Can I use any Citi ® card to book through Citi Travel?

All Citi ThankYou ® Rewards Credit Cards

Citi Travel℠ is powered by Rocket Travel Inc., part of the Booking Holdings Inc. group of companies together with Booking.com.

1 Earn a total of 10 ThankYou ® Points per $1 spent on hotel, car rental and attractions excluding air travel when booked through the Citi Travel℠ portal on cititravel.com or by calling 1-833-737-1288 (TTY: 711). Offer is valid through 11:59 PM 06/30/2024. You earn 3 ThankYou ® Points per $1 spent on the Citi Travel portal bookings. You will earn an additional 7 bonus ThankYou ® Points per $1 spent on hotel, car rental and attractions excluding air travel when booked through the Citi Travel portal or by calling 1-833-737-1288 (TTY: 711) through 11:59 PM 06/30/2024. The booking must post to your account during the promotional period to qualify. This offer may overlap with other special offers in which you are currently enrolled. You must use your Citi Premier ® Card registered at the Citi Travel portal to earn the bonus points. For bookings made with a combination of points and your Citi Premier ® Card, only the portion paid with your card will earn points. Bonus points will take up to 3 billing cycles to post to your account. To qualify for this offer, this account must be open and current. Points will not be earned on canceled bookings. 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 Inc., part of the Booking Holdings Inc. group of companies together with Booking.com.

2 Earn a total of 5 ThankYou ® Points per $1 spent on hotel, car rental and attractions excluding air travel when booked through the Citi Travel℠ portal on cititravel.com or by calling 1-833-737-1288 and saying "Travel". Offer is valid through 11:59 PM 12/31/2025. You earn 1 ThankYou ® Point per $1 spent on the Citi Travel portal bookings. You will earn an additional 4 bonus ThankYou ® Points per $1 spent on hotel, car rental and attractions excluding air travel when booked through the Citi Travel portal or by calling 1-833-737-1288 through 11:59 PM 12/31/2025. The booking must post to your account during the promotional period to qualify. This offer may overlap with other special offers in which you are currently enrolled. You must use your Citi Rewards+ ® Card registered at the Citi Travel portal to earn the bonus points . For bookings made with a combination of points and your Citi Rewards+ ® Card, only the portion paid with your card will earn points. Bonus points will take up to 3 billing cycles to post to your account. To qualify for this offer, this account must be open and current. Points will not be earned on canceled bookings. 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 Inc., part of the Booking Holdings Inc. group of companies together with booking.com.

3 Earn a total of 5 ThankYou Points per $1 spent on hotel, car rental, and attractions excluding air travel when booked through the Citi Travel℠ portal on cititravel.com or by calling 1-833-737-1288 and saying "Travel". Offer is valid through 11:59 PM Eastern Time (ET) 12/31/2024. You earn 1 ThankYou Point per $1 spent on the Citi Travel portal bookings and an additional 1 ThankYou Point per $1 paid on Eligible Payments (as defined in the Citi ThankYou ® Rewards Terms and Conditions for Citi Double Cash ® Card Accounts) made to your Citi Double Cash card account. You will earn an additional 3 bonus ThankYou Points per $1 spent on hotel, car rental, and attractions excluding air travel when booked through the Citi Travel portal or by calling 1-833-737-1288 through 11:59 PM Eastern Time (ET) 12/31/2024. The booking must post to your account during the promotional period to qualify. This offer may overlap with other special offers in which you are currently enrolled. You must use your Citi Double Cash Card registered at the Citi Travel portal to earn the bonus points . For bookings made with a combination of points and your eligible Citi Double Cash card, only the portion paid with your card will earn the additional points. Bonus points may take one or two billing cycles to post to your account. To qualify for this offer, this account must be open and current. Points will not be earned on canceled bookings. 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 Inc., part of the Booking Holdings Inc. group of companies together with booking.com.

4 Earn an additional 4 Thank You Points per $1 spent on hotel, car rental, and attractions excluding air travel through the Citi Travel℠ portal or by calling 1-833-737-1288 (TTY: 711). Offer is valid through 11:59 PM Eastern Time (ET) 6/30/2025. The booking must post to your account during the promotional period to qualify. This offer may overlap with other special offers in which you are currently enrolled. You must use your Citi Custom Cash ® Card registered at the Citi Travel portal to earn the bonus points . For bookings made with a combination of points and your eligible Citi card, only the portion paid with your card will earn the additional points. Bonus points may take one or two billing cycles to post to your account. To qualify for this offer, this account must be open and current. Points will not be earned on canceled bookings. 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 Inc., part of the Booking Holdings Inc. group of companies together with booking.com.

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Por favor, tenga en cuenta que las comunicaciones verbales y escritas de Citi podrían estar únicamente en inglés, ya que, tal vez, no podamos proporcionar comunicaciones relacionadas con los servicios en todos los idiomas. Estas comunicaciones podrían incluir, entre otras, contratos, divulgaciones y estados de cuenta, cambios en los términos o en los cargos, así como cualquier documento de mantenimiento de su cuenta. Si necesita ayuda en un idioma distinto al inglés, por favor, comuníquese con nosotros, ya que tenemos servicios de idiomas que podrían serle útiles.

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Citibank Credit Cards For Airport Lounge Access

CitiBank is one of the oldest and most popular banks in India. CitiBank has launched very few credit cards in India but each Citi Credit card offers compelling privileges across various categories like shopping, entertainment, dining, travel, and much more. Also, the bank has provided cards in every tier, ie, from basic to premium, so that one can find the best-suited card as per their needs. One of the best features provided by Citi Bank is the complimentary airport lounge access. With this feature, cardholders have the facility to access a lounge at the airport during flight layovers.

Every CitiBank credit card provides amazing features and benefits, but the airport lounge access benefit has been provided with the top two premium Citibank credit cards. In this article, you will find the complete information about the complimentary lounge visits provided by CitiBank credit cards along with the list of lounges accessible with the credit cards. So, keep reading to know more about Airport Lounge Access with Citibank Credit Cards.

Best Citibank Credit Cards that offer Lounge Access

Currently, there are two premium Citibank credit cards that offer complimentary airport lounge access. The details of the lounge visits provided on the Citbank credit cards are mentioned below:

Citibank Prestige Credit Card

The Citibank Prestige Credit Card is a super premium credit card offered by Citibank. The Prestige Card welcomes you with a plethora of benefits like Rs. 10,000 vouchers from Taj, 2,500 bonus reward points, a Complimentary Taj Epicure Plus plan, and InnerCircle Silver membership. With this card you also get 4 complimentary rounds and 4 lessons of golf every year and insurance benefits worth up to Rs. 5 crores. The Airport lounge benefits provided with the card are:

– Unlimited Complimentary Domestic Airport Lounge Access in a year. – Unlimited Complimentary International Airport Lounge Access in a year.

Lounge List for Citibank Prestige Credit Card

The list of lounges that are accessible with the Prestige Credit Card is mentioned in the table given below:

For the complete list of lounges for Citibank Prestige Card refer to this page.

Citibank PremierMiles Credit Card

The CitiBank PremierMiles Credit Card is a popular travel credit card issued at an annual fee of Rs. 3,000. The card welcomes you with 10,000 Miles and you earn up to 10 Miles for every Rs. 100 spent with the card. Apart from this, the premier miles card offers up to a 20% discount on your dining bills and offers personal accident insurance worth Rs. 1 crore. The lounge benefit provided with the card are as follows:

– 8 Complimentary Domestic Airport Lounge Access per quarter. (for Visa Signature variant) – 6 Complimentary Domestic Airport Lounge Access per quarter. (for Mastercard variant)

Lounge List for Citibank PremierMiles Mastercard Credit Card

As the Citibank PremierMiles card is issued at both Visa and Mastercard variants, the lounge visits and list of lounges are separate with both cards. The lounge list for the card issued with the Mastercard variant is mentioned below:

For the complete list of lounges for Citibank PrimerMiles Mastercard refer to this page.

Lounge List for Citibank PremierMiles Visa Signature Credit Card

The lounge list for the CitiBank PremierMiles Visa Credit Card has been mentioned below:

For the complete list of lounges for Citibank PrimerMiles Visa Signature refer to this page.

Bottom Line

The Airport lounge facility on a credit card is undoubtedly a great benefit. The cardholders, with this benefit, can access any lounge with their credit cards during flight layovers or for any other reason. If you travel frequently, then you should carry a travel credit card that would not only provide you with lounge access but also other travel benefits like discounted hotel rates, car rentals, Rewards in Miles, etc. If you are holding any of the above Citibank credit cards, then the information provided above will help you to know the list of lounges applicable to your card.

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Complimentary 
Priority Pass™ Membership

Complimentary priority pass™ membership.

As a Citi Prestige or Citi Premier primary cardholder, receive complimentary Priority Pass™ Membership with airport lounge access to make your travel experience more enjoyable.

Find out more about your membership and how to enrol by selecting your card below.

As a Citi Prestige or Citi Premier primary cardholder, receive complimentary Priority Pass™ Membership with airport lounge access to make your travel experience more enjoyable.

If you are a Citi Prestige primary cardholder, you are entitled to a complimentary Priority Pass™ Membership with unlimited airport lounge access for you and a guest. 1

Follow the easy steps below to obtain your membership to the world’s largest independent airport lounge access program.

• Download the Priority Pass TM App via your Apple App Store or get it on Google Play
• Visit prioritypass.com/prestigeaumc
• Enter Invitation Code: CTPRSG333
• Complete the digital form, including your Citi Prestige Card details.

You will be automatically enrolled into the Priority Pass™ Membership with a Digital Membership Card which can be accessed via the Priority Pass™ mobile app.

For more information on your Priority Pass Membership or for the list of up-to-date airport lounges, visit prioritypass.com or call Priority Pass on +852 2866 1964.

If you are a Citi Prestige primary cardholder, you are entitled to a complimentary Priority Pass™ Membership with unlimited airport lounge access for you and a guest. 1

Follow the easy steps below to obtain your membership to the world’s largest independent airport lounge access program.

You will be automatically enrolled into the Priority Pass™ Membership with a Digital Membership Card which can be accessed via the Priority Pass™ mobile app.

If you are a Citi Premier primary cardholder, you are entitled to a complimentary Priority Pass™ membership with two complimentary airport lounge visits per membership year. 2

• Visit prioritypass.com/premieraumc
• Enter Invitation Code: CTPRM331
• Complete the digital form, including your Citi Premier Card details

If you are a Citi Premier primary cardholder, you are entitled to a complimentary Priority Pass™ membership with two complimentary airport lounge visits per membership year. 2

Important information

• Citi Prestige Card : One complimentary digital Priority Pass™ Membership, with unlimited lounge visits, for the primary cardholder is a Special Feature of the Citi Prestige Card. Citi Prestige Credit Cardholders must enrol for the Priority Pass Standard Membership at www.prioritypass.com/prestigeaumc . The primary cardholder may bring one guest for free per visit. Any additional guests will be charged directly by the lounge. You will need to download the Priority Pass™ App via the Apple App Store or get it on the Google Play Store to access your Digital Membership Card. The membership is subject to the Priority Pass™ Conditions of Use. Please note that within Australia, Priority Pass is available at select airports. For the full list of up-to-date airport lounges and Priority Pass™ Conditions of Use please refer to www.prioritypass.com along with the Citi Prestige Credit Card Benefit Terms and Conditions for further information.
• Citi Premier Card : One complimentary digital Priority Pass™ Standard Membership, with two complimentary lounge visits, for the primary cardholder is a Special Feature of the Citi Premier Card. Citi Premier Cardholders must enrol for the Priority Pass Standard Membership at www.prioritypass.com/premieraumc and follow the prompts. You will need to download the Priority Pass TM App via the Apple App Store or get it on the Google Play Store to access your Digital Membership Card. The first two visits within each 12-month membership period from registration (membership year) are complimentary to the primary cardholder only, after which any additional visits by you and visits by your guests will be charged directly to you by Priority Pass at their ordinary standard rates. Unused visits cannot be carried forward to the following membership year. The total number of complimentary visits will be reset to two at the beginning of each membership year while you remain a Citi Premier Cardholder. The membership is subject to the Priority Pass™ Conditions of Use. Please note that within Australia, Priority Pass is available at select airports. For the full list of up-to-date airport lounges and Priority Pass™ Conditions of Use please refer to www.prioritypass.com .
• Citi Prestige Card : One complimentary digital Priority Pass™ Membership, with unlimited lounge visits, for the primary cardholder is a Special Feature of the Citi Prestige Card. Citi Prestige Credit Cardholders must enrol for the Priority Pass Standard Membership at www.prioritypass.com/prestigeaumc . The primary cardholder may bring one guest for free per visit. Any additional guests will be charged directly by the lounge. You will need to download the Priority Pass™ App via the Apple App Store or get it on the Google Play Store to access your Digital Membership Card. The membership is subject to the Priority Pass™ Conditions of Use. Please note that within Australia, Priority Pass is available at select airports. For the full list of up-to-date airport lounges and Priority Pass™ Conditions of Use please refer to www.prioritypass.com along with the Citi Prestige Credit Card Benefit Terms and Conditions for further information.
• Citi Premier Card : One complimentary digital Priority Pass™ Standard Membership, with two complimentary lounge visits, for the primary cardholder is a Special Feature of the Citi Premier Card. Citi Premier Cardholders must enrol for the Priority Pass Standard Membership at www.prioritypass.com/premieraumc and follow the prompts. You will need to download the Priority Pass TM App via the Apple App Store or get it on the Google Play Store to access your Digital Membership Card. The first two visits within each 12-month membership period from registration (membership year) are complimentary to the primary cardholder only, after which any additional visits by you and visits by your guests will be charged directly to you by Priority Pass at their ordinary standard rates. Unused visits cannot be carried forward to the following membership year. The total number of complimentary visits will be reset to two at the beginning of each membership year while you remain a Citi Premier Cardholder. The membership is subject to the Priority Pass™ Conditions of Use. Please note that within Australia, Priority Pass is available at select airports. For the full list of up-to-date airport lounges and Priority Pass™ Conditions of Use please refer to www.prioritypass.com .

Important notice

Please note that between 8PM to 8AM, our phone banking services are only available for critical services like card replacement, fraudulent transactions & service interruption. For all other queries during this period, please use Citi Online or our Mobile App. For further assistance you may also use the 'Write to us' option on Citi Online. For any critical escalations, email us on: [email protected] . Alternatively, you may continue to call us between 8AM to 8PM for full services.

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Airport Lounge Access Credit Cards

Airport lounge access with citi credit cards.

You get access to Airport Lounge at a number of airports if you have any of these Citi Cards. Click on your card image to see the offer details.

Emirates Citibank Ultima Mastercard

1,100 + airport lounge access with mastercard travel pass app.

Your Emirates-Citibank Ultima MasterCard brings you unlimited complimentary access to 1,100+ airport lounges globally for you and your supplementary cardholders plus one guest each per visit.

To enjoy this benefit and to avoid unnecessary lounge charges simply follow the steps when travelling.

• Download the "MasterCard Travel Pass" app from Google Play or the App Store.
• Register your Citibank Mastercard credit card
• See the lounges near you and clearly view if you are eligible for complimentary access.
• Generate and present the app QR code or membership number to the lounge receptionist to access the lounge. Each cardholder, primary and supplementary, should show their individual QR code (by registering their cards separately using individual email IDs).
• You and your supplementary cardholders are entitled to bring 1 guest each with MasterCard Travel Pass app
• A  $32 charge  will apply to all guests above your allowance entering the lounge and will be billed directly to your card.
• Children over 1 year old are considered as paying guests.
• In case of discrepancy with the above instructions not being followed could result in non refundable charges

Check the airport lounges available any time, any place, whilst on the move

Emirates Citibank Ultimate Mastercard

Your Emirates-Citibank Ultimate MasterCard brings you unlimited complimentary access to 1,100+ airport lounges globally for you and your supplementary cardholders plus one guest each per visit.

Emirates Citibank World Mastercard

Your Emirates-Citibank World MasterCard brings you unlimited complimentary access to 1,100+ airport lounges globally for you and your supplementary cardholders.

• You and your supplementary cardholders are entitled to use lounges with MasterCard Travel Pass app

Emirates Citibank Ultima Visa

1,000 + airport lounge access with loungekey.

Your Emirates-Citibank Ultima Visa card brings you unlimited complimentary access to 1,000+ airport lounges globally for you and your supplementary cardholders plus one guest each per visit.

• You and your supplementary cardholders are entitled to bring 1 guest each when using LoungeKey lounges
• Always ensure both primary and supplementary cards are swiped at the lounge for access
• A $32 charge will apply to all guests above your 1 guest each allowance entering the lounge and will be billed directly to your card.
• Always inform the lounge you are entering with LoungeKey

Incase of discrepancy with the above instructions not being followed could result in non refundable charges

LoungeKey Mobile App:

Emirates citibank ultimate visa, emirates citibank gold, access to veloce lounges.

Enjoy free unlimited access to over 20+ airport lounges worldwide for you and your Supplementary Cardmembers. Check the list of participating lounges at www.veloceworld.com . To enter please show your card to the lounge staff.

Citi Prestige

Your Citi Prestige card brings you unlimited complimentary access to 1,100+ airport lounges globally for you and your supplementary cardholders plus one guest each per visit.

Citi Premier

Your Citi Premier card brings you unlimited complimentary access to 1,100+ airport lounges globally for you and your supplementary cardholders plus one guest each per visit.

Citi Rewards

Your Citi Rewards card brings you unlimited complimentary access to 1,100+ airport lounges globally for you and your supplementary cardholders.

Citi Cashback

Your Citi Cashback Card brings you unlimited complimentary access to 1,100+ airport lounges globally for you and your supplementary cardholders.

Citi Premiermiles Signature

Your Premier Miles Signature Visa card brings you unlimited complimentary access to 1,000+ airport lounges globally for you and your supplementary cardholders.

• You and your supplementary cardholders are entitled to use LoungeKey lounges
• A $32 charge will apply to all guests entering the lounge with you and will be billed directly to your card.

Citi Premiermiles Titanium

Access to 10+ airport lounges in the middle east and levant.

You and your supplementary cardmember can enjoy complimentary unlimited free* access to over 10 lounges in UAE, KSA, Jordan, Kuwait and Egypt. For more information click here *Note: Guests will be charged

Citi Premiermiles Elite

Your Premiermiles Elite Visa card brings you unlimited complimentary access to 1,000+ airport lounges globally for you and your supplementary cardholders plus one guest each per visit.

Citilife Platinum

Your Citilife Platinum MasterCard brings you unlimited complimentary access to 1,100+ airport lounges globally for you and your supplementary cardholders.

• A  $32 charge  will apply to all guests above your allowance entering the lounge and will be billed directly to your card.

Citilife World Elite Mastercard

Your Citilife Elite MasterCard brings you unlimited complimentary access to 1,100+ airport lounges globally for you and your supplementary cardholders plus one guest each per visit.

Citilife Infinite

Your Citilife Infinite Visa card brings you unlimited complimentary access to 1,000+ airport lounges globally for you and your supplementary cardholders plus one guest each per visit.

Citi Life Platinum Visa

Citi simplicity, unlimited access to 25 regional and international lounges.

Enjoy free unlimited access to select airport lounges in the Middle East and internationally for you and your Supplementary Card members.

Before visiting check lounge availability and terms and conditions at: https://www.priceless.ae/en-ae/consumers/lounge-platinum.html

Incase of discrepancy with the above instructions not being followed could result in non-refundable charges

Start Every Journey with Priority Pass

For the occasional Traveller

Standard plus, for the regular traveller, for the frequent traveller, priority pass excellence awards winners.

Celebrating outstanding airport lounge and travel experience partners in the Priority Pass global network. Discover the winners of this year’s awards.

PRE-BOOK YOUR LOUNGE NOW

Access to lounges is subject to space availability. Pre-book is available at select locations for a small fee. Log in to reserve your space in the lounge.

Unlock More with Priority Pass

Beyond premium lounges, explore a world of exclusive advantages. Refuel, relax and unwind with a variety of additional benefits to enhance your experience both within and beyond the airport.

ENRICH YOUR AIRPORT EXPERIENCE WITH THE PRIORITY PASS APP

Download the app to help you find and access lounges and experiences, navigate airports, manage your account and much more.

Priority Pass Airport Guides

Enhance your airport experience using our bespoke airport guides.

The Benefits of Priority Pass

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New Citi Strata Premier Card Open for Applications [Details and Benefits]

Keri Stooksbury

Editor-in-Chief

35 Published Articles 3194 Edited Articles

Countries Visited: 47 U.S. States Visited: 28

Editor & Content Contributor

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Table of Contents

Citi strata premier card welcome offer, citi strata premier card benefits, is it worth it, transition from citi premier card to citi strata premier card, final thoughts.

We may be compensated when you click on product links, such as credit cards, from one or more of our advertising partners. Terms apply to the offers below. See our Advertising Policy for more about our partners, how we make money, and our rating methodology. Opinions and recommendations are ours alone.

Citi has debuted its newest ThankYou Rewards card, the Citi Strata Premier℠ Card , which is now open for applications.

Let’s learn more about the new Citi Strata Premier card and see if it deserves a spot in your wallet.

New applicants of the Citi Strata Premier card can take advantage of the following welcome offer by meeting the minimum spending requirements:

• For a limited time:  Earn  75,000 bonus points  after spending  $4,000  in the first  3 months  of account opening, redeemable for  $750 in gift cards or travel rewards on thankyou.com.

Note that if you’ve received a new account bonus for the Citi Premier ® Card in the last 48 months, you are not eligible for this welcome offer.

The Citi Strata Premier card has similar earning rates to the Citi Premier card:

• 10x points on hotel, car rentals, and attractions booked through CitiTravel.com
• 3x points on air travel, other hotel purchases, at restaurants, supermarkets, gas stations, and EV charging stations
• 1x points on all other purchases

The 10x points category for select Citi Travel bookings is an ongoing benefit (for existing Citi Premier cardholders, this benefit expires on June 30, 2024). EV charging stations is also a new category that the Citi Premier card did not offer.

Both cards charge a $95 annual fee.

The Citi Strata Premier card also has these additional benefits and travel coverages:

• $100 off of a single hotel stay of $500 or more (excluding taxes and fees) when booked through CitiTravel.com (once per calendar year)
• No foreign transaction fees
• Travel insurance coverage , including trip delay, trip cancellation and interruption, lost or damaged luggage, and MasterRental Coverage (car rental insurance)

The Citi Premier card had its travel protections stripped in 2019, so including these benefits with the Citi Strata Premier card is a win for both existing and new cardholders.

Compared to similar midtier cards like the Chase Sapphire Preferred ®  Card , the earning rates for the travel portal, general air/hotel travel, supermarkets, gas stations, and EV charging stations are all higher with the Citi Strata Premier card.

New cardholders could earn from 79,000 to 115,000 ThankYou Points between the welcome offer and required minimum spending, depending on the earning categories.

While ThankYou Points can be redeemed for statement credits or gift cards, they are best redeemed with Citi’s travel partners . Citi ThankYou Rewards’ transfer partners include Air France – KLM Flying Blue , JetBlue Airways , and Qatar Airways .

Some of our favorite ways to redeem Citi ThankYou Points for maximum value include flying some of the best business and first class cabins in the sky — such as Singapore Suites, Qsuite, and Lufthansa first class — and utilizing Flying Blue Promo Rewards for discounted business class awards to Europe.

Upgraded Points staff members have independently confirmed that their Citi Premier card accounts are now showing as Citi Strata Premier cards in their online accounts:

The Citi Premier card is also closed to new applications, so the Citi Strata Premier card appears to now be the highest-tier ThankYou Rewards card available to new applications.

The Citi Strata Premier card offers competitive earning rates for a modest annual fee. It’s an everyday purchase workhorse and rewards cardholders for many of their frequent purchases.

With an attractive new welcome offer, the Citi Strata Premier card could be a fantastic addition to your travel rewards wallet.

The information regarding the Citi Strata Premier℠ Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer. The information regarding the Citi Premier ® Card has expired and the card is no longer open to applicants.

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About Keri Stooksbury

With years of experience in corporate marketing and with a nonprofit, Keri is now editor-in-chief at UP, overseeing daily content operations and reviewing thousands of UP articles in the process.

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How to choose a credit card for airport lounge access

Update : Some offers mentioned below are no longer available. View the current offers here .

This post has been updated with information that the Chase Sapphire Reserve will lose Priority Pass restaurant access from July 1, 2024.

When people find out my job is to write about travel credit cards, they usually ask for expert advice. They want to know which of our favorite credit cards I recommend, which cards will complement their existing portfolio and whether their current everyday card is a good one.

Just as often, they also want to know which credit card they should get if they want airport lounge access.

Until recently, this question was fairly easy to answer since many cards offered similar lounge benefits. But lately, it's gotten more complicated. The issuer lounge space has more options than ever, while some cards have lost perks like guest privileges and restaurant access.

It can feel overwhelming, but we've got you. Here's a breakdown of what to consider when choosing a credit card for airport lounge access .

Access with top cards

If you have a lounge in your home airport.

Presumably, your home airport is where you spend the most time. If you live in an airline hub or have a perfectly placed lounge that you want access to, let that drive your decision.

For instance, if Los Angeles International Airport (LAX) is your home airport, you probably pass an airline lounge regardless of your preferred airline since it is a hub for American Airlines, Delta Air Lines and United Airlines.

Similarly, if you have an issuer lounge in your home airport, you may want to choose the premium card from that issuer that includes lounge access. Someone whose home base is Dulles International Airport (IAD), for example, will likely want access to the Capital One Lounge that's conveniently located just past the airport's security lines.

On the flip side, not all of us have a wide range of lounge options at home. I'm based in Nashville, and as much as I love Nashville International Airport (BNA), it has limited lounge options. As such, I've based my lounge access decision on the airports I frequently travel through rather than my home base.

If you're loyal to a specific airline

If you're loyal to American, Delta or United, you'll likely benefit from airline-specific lounge access since you'll most frequently fly through hubs with a lounge.

American Airlines

Frequent American flyers will want to go with the Citi® / AAdvantage® Executive World Elite Mastercard® (see rates and fees ) since it's the only credit card with an Admirals Club membership.

Delta Air Lines

If you're a regular Delta passenger, note that the Delta SkyMiles® Reserve American Express Card includes unlimited complimentary Sky Club access through January 2025. After that, cardmembers will receive 15 complimentary visits per year and can receive unlimited visits by spending $75,000 on the card each calendar year.

United Airlines

Similarly, United fans will benefit most from the United Club Infinite Card , the only card with a United Club membership as one of its perks.

Of course, if you're loyal to an airline that doesn't have its own airport lounges, you can cross these off the list. As a Southwest Airlines loyalist , I knew I didn't want to limit my lounge access to a specific airline, so I was able to turn my attention elsewhere.

If you want issuer-specific lounge access

For quite a while, American Express had the issuer lounge market cornered. But as Capital One and Chase continue to grow their own lounge networks, you may decide you want to choose your credit card based on the issuer's lounge access it gets you.

American Express

You can find American Express Centurion Lounges in over 20 locations, making them the most prominent issuer lounge. If you want access, you'll most likely want either the Amex Platinum or the Amex Business Platinum .

Delta SkyMiles Reserve and Delta SkyMiles Reserve Business cardmembers can also access Centurion Lounges when flying Delta, as long as the flight was booked on their card (excluding basic economy tickets).

Related: I'm an Amex Platinum newbie — here's why lounge access is surprisingly my favorite perk

Capital One

While not as well established as Centurion Lounges, Capital One Lounges have grown rapidly. Currently, you can find them in three airports: Dallas Fort Worth International Airport (DFW) , Denver International Airport (DEN) and Dulles International Airport (IAD) .

A planned location in Harry Reid International Airport (LAS) in Las Vegas has been announced but is not yet open. To access these lounges, you'll want either the Venture X or the Venture X Business .

Additionally, Chase has been asserting its presence in the lounge space with Chase Sapphire Lounges. With their impressive designs and amenities like complimentary facials, they may be gunning for the No. 1 spot.

Currently, you can find Sapphire Lounges in four locations: Boston Logan International Airport (BOS) , Hong Kong International Airport (HKG) , John F. Kennedy International Airport (JFK) in New York and LaGuardia Airport (LGA) in New York. There's also a smaller terrace location at Austin-Bergstrom International Airport (AUS) .

To get unlimited access to these lounge concepts, you'll need the Chase Sapphire Reserve . You can also get one complimentary visit to a Sapphire Lounge per calendar year if you have a Priority Pass Select membership from another credit card.

If you want more diverse lounge options

If you want a wider range of airport lounge access options, opt for a card with a complimentary Priority Pass Select membership. Priority Pass is a network of over 1,500 lounges, Minute Suites , Be Relax spas and various restaurants located in 600-plus airports in more than 150 countries.

Airline cobranded cards don't include Priority Pass access, but you'll get it with the premium cards that unlock issuer lounge access: Amex Platinum (enrollment required), Amex Business Platinum (enrollment required), Chase Sapphire Reserve , Capital One Venture X and Capital One Venture X Business .

Additionally, you can get Priority Pass access with some other cards:

• Marriott Bonvoy Brilliant American Express Card : Unlimited complimentary access for the primary cardholder and up to two guests (enrollment required)
• Hilton Honors American Express Business Card : 10 complimentary visits annually (enrollment required)
• U.S. Bank Altitude® Reserve Visa Infinite® Card : Eight complimentary visits annually
• U.S. Bank Altitude® Connect Visa Signature® Card : Four complimentary visits annually

The information for the U.S. Bank Altitude Reserve and U.S. Bank Altitude Connect have been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.

Related: Is a Priority Pass lounge membership actually worth it?

If you want access to Priority Pass restaurants

If you frequently pass through airports with a Priority Pass-affiliated restaurant, getting a card with access can save you big bucks. This perk will comp a certain amount of the restaurant bill for you and up to one registered guest. The amount varies by restaurant and is typically $28 to $30 per person; you can look up the exact values for each restaurant on the Priority Pass website .

Many cards with Priority Pass Select access have eliminated restaurant access in recent years, but you can still get it as a part of the Priority Pass Select membership included with the Chase Sapphire Reserve ( through June 30 ) and the Venture X Business .

While my home airport in Nashville doesn't have much to offer in the way of lounges, it does have a Priority Pass restaurant. With my Chase Sapphire Reserve, I get a $28 credit toward my bill for me and another $28 credit for a guest. This benefit was a major factor in my decision to go with the Chase Sapphire Reserve over other credit cards that include airport lounge access since I can get at least $28 of value from it every time I fly.

Related: Better food and more options: Why I value the Priority Pass' airport restaurant credit over lounge access

If you want to bring guests for no additional cost

If you frequently travel with a partner or family, you'll want to choose a card that includes guest access. While some cards like the Amex Platinum and the Delta SkyMiles Reserve allow you to bring guests for an additional fee, the following cards include complimentary access for the primary cardholder and up to two guests:

• Citi® / AAdvantage Executive World Elite Mastercard (can be either immediate family — spouse, domestic partner and children up to 18 years old — or up to two guests)
• Marriott Bonvoy Brilliant
• Chase Sapphire Reserve
• United Club Infinite Card
• Capital One Venture X (also includes access for authorized users and up to two guests with them; see rates and fees )
• Capital One Venture X Business (see rates and fees )

Related: A guide to guest policies for airport lounges

If you're unsure

If you're new to the airport lounge world, committing to a credit card with a hefty annual fee can feel daunting. If you aren't ready to make the jump, consider one of these options to dip your toes in first.

Go as someone's guest

As outlined above, several credit cards come with lounge access, allowing cardholders to bring guests into a lounge. If you have a friend with this access, try to find a time to visit a lounge as their guest to see how you like it.

Become a Venture X authorized user

One of the most valuable perks of the Capital One Venture X is the ability to add up to four authorized users, each with their own airport lounge access benefit, for no additional cost (see rates and fees ). If you have a friend who has the Venture X, ask them to add you as an authorized user .

Doing so will give you access to Capital One Lounges, as well as Priority Pass Select lounges for no additional cost.

Get a card with a set number of visits

You can get a limited number of lounge visits without paying a premium annual fee. Consider one of these options if you're aiming to keep your annual fee costs down:

• U.S. Bank Altitude Connect : With this card, you'll get four complimentary visits to Priority Pass Select lounges annually for just a $95 annual fee, making it a great way to try out some lounges without committing to a high annual fee.
• American Express® Green Card : The Amex Green has a $150 annual fee (see rates and fees ) and comes with a up to $100 LoungeBuddy credit , which you can use to try out some airport lounges before committing to a card with unlimited access.
• United Explorer Card and United Business Card : With either card, you'll get two one-time United Club passes per year for an annual fee of under $100.

The information for the Amex Green has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.

Related: 11 credit cards that offer Priority Pass airport lounge access

Pay for a one-time pass

You don't necessarily have to have a membership or access through a credit card to get into a lounge. Most lounges give you the option to pay out of pocket per visit. If there's a lounge you pass often and are considering getting a credit card to access, paying for a visit to see if it's worth it to you can be a great option.

Bottom line

You have some great options when choosing a credit card for airport lounge access. The different types of access can feel overwhelming, but deciding which type of access matters most to you is key to landing on a card that's the perfect fit. No matter which you choose, you'll be well on your way to lounging in style on your next layover.

Related: The best premium credit cards: A side-by-side comparison

For rates and fees of the Amex Platinum, click here . For rates and fees of the Amex Business Platinum, click here . For rates and fees of the Delta SkyMiles Reserve, click here . For rates and fees of the Delta SkyMiles Reserve Business, click here . For rates and fees of the Bonvoy Brilliant, click here . For rates and fees of the Hilton Honors Business, click here. For rates and fees of the Amex Green, click here .

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Citi Prestige

• The Benefits
• The Experience
• At a glance
• Luxury stay
• Exclusive access

Airline Credit Card

Relax into your journey with access to more than 1300+ airport lounges through Priority Pass ™ and your Citi Prestige credit card.

Fly in style for less

Exceptional comfort and impeccable service doesn’t have to cost the world. Make every journey memorable with up to 15% savings on full fare first- or business-class tickets with some of the best international airlines in the world. The finest way to travel just got even better.

Airfare program

Call your Citi Prestige Concierge at 0008008522006 or +44 207 479 3649 (overseas) for details of all participating airlines and reservations.

TERMS & CONDITIONS

Only available at seven participating airlines. Must be booked through the Citi Prestige Concierge. Airline tickets are subject to taxes, fees, fuel surcharges and must be charged to main cardmember.

Airport Lounge Access

Depart for every destination relaxed and refreshed, with access to more than 1300 airport lounges through Priority Pass™ and via your Citi Prestige credit card. Whether you're staying connected with Wi-Fi and workstations, or passing the time with a complimentary drink, savor some moments of tranquility before you fly.

Airport lounge access

For further information, please check the terms and conditions

Airport assistance and limousine service

Enjoy the convenience and efficiency of fast track immigration at major international airports at discounted retail rates.

Avail discounts on retail rates for Luxury Airport Transfer Service.

Meet and Assist and Airport Transfer services

British airways upgrade membership.

With your Citi Prestige Credit Card, get upgraded to the next tier of the British Airways Executive Club membership and receive 5,000 bonus miles. You will enjoy a first class experience no matter which class you fly.

To upgrade your membership and receive your bonus miles, please call your Citi Prestige Concierge at 0008008522006.

Your first flight as a British Airways Executive Club member booked with your Citi Prestige Credit Card entitles you to a membership upgrade. Please register at www.britishairways.com for a British Airways Executive Club membership within the first 12 months of your Citi Prestige membership. On upgrade through Citi Prestige concierge, Membership card will be mailed out within 6-8 weeks after registration. Upgrade to next status will take place up to 15 working days after registration through the Citi Prestige concierge. This membership is valid for the primary cardmember only. Bonus Miles are non transferable.

Etihad Guest Gold membership

Travel in style with the Etihad Guest Gold Membership and 5,000 bonus miles on the Etihad Guest program. Additionally, transfer 20,000 air miles to the Etihad Guest Program and get 6,000 Bonus Miles from Etihad.

Etihad Guest Gold Membership

To upgrade to Gold Membership, please call your Citi Prestige Concierge at 0008008522006.

Valid for primary cardmember only within the first 12 months of Citi Prestige Credit Card booking. To register, visit www.etihadguest.com.

Membership kit will be mailed out within 6-8 weeks after registration. Upgrade to Etihad Guest Gold status will take place up to 15 working days after registration through the Citi Prestige Concierge. For 6,000 bonus miles, the primary cardmember must make a single transfer of 20,000 air miles to the Etihad Guest program within the first 6 months of card booking.

Other air travel benefits

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Private Jets - JetSetGo

Fly in the height of luxury with savings on private jet bookings with JetSetGo.

To book, call the Citi Prestige Elite Desk at XXXX-XXXX.

Advance booking is required. Cancellation policy applies.

The Citi Prestige Credit Card. Your passport to a world of unforgettable experiences.

OR EXPLORE Luxury stay BENEFITS

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Existing Citi Prestige cardmembers to avail the services, can reach the Citi Prestige Concierge desk on 000-800-8522-006 (Domestic Toll-Free Number) or +91-22-4232-0253

View the Citi Prestige Events terms and conditions . View the Citi Prestige Offers terms and conditions .

Terms and conditions apply. View the terms and conditions .

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Citi launches Strata Premier Card, a refresh of the Citi Premier

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The Citi Premier® Card just got a new look and some extra perks. Citi announced the Citi Strata Premier Card in early May 2024, refreshing the popular mid-tier travel card with more value for cardholders without hiking the annual fee. 

Whether you’ve had your eye on applying for the Premier Card or you’re an existing cardholder, here’s what you need to know about the revamp.

The Strata Premier offers more rewards and protections

Before the announcement, the Citi Premier Card offered 10 points per dollar on hotels, car rentals and attractions booked through the Citi Travel portal through June 30, 2024. With the redesigned Strata Premier Card, that rewards rate will become permanent. 

The new card also offers 3 points per dollar spent at electric vehicle charging stations. 

These bonus categories are offered in addition to the 3 points per dollar cardholders already earn on restaurants, supermarkets, gas stations, air travel and hotels, and 1 point per dollar on all other purchases.

Additionally, the card now offers more travel protection perks, making it a better choice to cover your travel purchases. New and existing cardholders will get the following benefits:

• Trip cancellation and interruption insurance: Provides a reimbursement for certain non-reimbursable expenses charged by a common carrier if your trip is canceled or cut short due to a covered reason.
• Trip delay insurance: Offers reimbursement for certain expenses, such as food and hotel accommodations, if your trip is delayed by a common carrier for a qualifying period of time.
• Lost or damaged luggage insurance: Provides coverage for personal belongings that are lost or damaged by a common carrier.
• MasterRental coverage: Offers collision damage waiver coverage if you get in an accident with a rental car (when you pay with this card and decline the rental company’s coverage at the counter).

The new Strata Premier Card is also retaining the original card’s hotel credit perk, which gives cardholders $100 off a single hotel stay of $500 or more (excluding taxes and fees) when booked through the Citi Travel portal. You can get the benefit once per calendar year.

Apply now and get an increased welcome offer

To celebrate the card relaunch, Citi is offering an elevated welcome bonus for a limited time: 75,000 bonus points when you spend $4,000 in the first three months from account opening. 

For context, the card’s standard bonus is 60,000 bonus points when you spend $4,000 in the first three months. In other words, you’ll get $150 more value in the form of travel, cash back or gift cards if you apply before the offer ends. 

Keep in mind, too, that you can potentially get even more value from your redemptions by transferring your ThankYou points to one of Citi’s numerous airline and hotel loyalty program partners and booking award travel.

Should you apply for the new Citi Strata Premier Card?

If you already have the Premier Card, you’ll automatically get the Citi Strata Premier Card’s new rewards rates and trip protection benefits. If you want the new card design, however, you’ll need to wait until your current card expires. The $95 annual fee is remaining unchanged with this revamp. 

If you’re not a cardholder yet, the new welcome bonus is attractive—though Citi has offered as much as 80,000 bonus points in the past. 

If you’re thinking about applying for the new Citi Strata Premier Card, though, it’s important to look at the full picture. Take a look at your spending habits and travel plans to evaluate whether the card’s rewards rates and benefits are the right fit for you. 

Also, take some time to shop around and compare the card with other top travel credit cards . Whether you’re looking for a card with no annual fee or one that offers more premium perks, there could be options available that are better suited to your habits and needs. 

Those who don’t want to pay an annual fee might prefer a card like the Bilt Mastercard® , which rewards spending on dining, travel, and rent payments. Meanwhile, those seeking a truly premium experience and willing to pay an annual fee in exchange for them might want a card like the The Platinum Card® from American Express with its extensive airport lounge access .

To view rates and fees of the The Platinum Card® from American Express , see  this page  

Bilt Mastercard®

See Rates and Fees

Special feature

Rewards Rates

• Make at least 5 transactions in a statement period, in order to earn points on rent and qualifying net purchases (purchases minus returns /credits) for that statement period.
• 3X 3X Bilt Points on dining
• 2X 2X Bilt Points on flights, hotels, rental cars, and cruises when booked directly with airlines, hotels, and car rental agencies
• 1X 1X Bilt Points on rent paid through the Bilt App with your card account up to a maximum of 100,000 points each calendar year
• 1X 1X Bilt Points on purchases
• Rewards and benefits terms.
• Uniquely earns points on rent
• Rent Day bonus every first of the month offers double points (excluding rent)
• Robust travel transfer partners
• Cash redemption rate is poor
• No traditional welcome bonus
• Travel perks: Trip Cancellation and Interruption Protection, Trip Delay Reimbursement, Auto Rental Collision Damage Waiver. See this page for details.
• Foreign Transaction Fee: None

The takeaway

The biggest winners with the new Citi Strata Premier are existing cardholders, who don’t need to do anything to enjoy the new rewards rates and travel perks. However, new applicants will appreciate the limited-time welcome offer that accompanies the card relaunch. 

If you’re considering the new Strata Premier Card, carefully review the card’s features and research alternatives to ensure you get the very best card for you.

In any case, it’s refreshing (pardon the pun) to see a card revamp that adds value without increasing an annual fee, as that bucks the trend we’ve seen in many recent credit card overhauls.

Please note that card details are accurate as of the publish date, but are subject to change at any time at the discretion of the issuer. Please contact the card issuer to verify rates, fees, and benefits before applying.  

Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefits guide for more details. Underwritten by Amex Assurance Company.  

EDITORIAL DISCLOSURE : The advice, opinions, or rankings contained in this article are solely those of the Fortune Recommends ™ editorial team. This content has not been reviewed or endorsed by any of our affiliate partners or other third parties.

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The Guide to Chase Sapphire Preferred Lounge Access

Many or all of the products featured here are from our partners who compensate us. This influences which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money .

The Chase Sapphire Preferred® Card is a midlevel travel credit card with some solid benefits and points-earning potential, along with a $95 annual fee.

But does the Chase Sapphire Preferred® Card get you into airport lounges? The short answer is no.

The Chase Sapphire Preferred® Card does not include any type of Priority Pass membership or regular entrance into Chase Sapphire Lounges or other airline-specific clubs.

If you want to stay within the Chase family of cards and you’re looking for lounge access, you’ll need the Chase Sapphire Reserve® card instead.

But don’t write off getting the Chase Sapphire Preferred® Card . It still has some good benefits.

Chase Sapphire Preferred® Card includes one complimentary lounge visit, with strings attached

Chase Sapphire Preferred® Card holders are allowed one complimentary access to the Chase Sapphire Lounge by The Club annually, if they have a Priority Pass membership that they’ve purchased separately.

Priority Pass members can then buy additional passes to the Chase Sapphire Lounge by The Club for $75 a pop, if they are available.

Otherwise, the Chase Sapphire Preferred® Card does not inherently include airport lounge access.

What to do instead

Purchase lounge membership.

Cardholders can pay out-of-pocket for a membership to a qualifying airline lounge program, including:

Priority Pass for $99-$469 annually, depending on your membership tier.

Delta Sky Club for $695 or 69,500 miles per year.

American Airlines’ Admirals Club individual annual memberships cost between $750-$850, depending on your elite status level.

United Club for $550-$650, or 75,000 miles to 85,000 miles. Prices are also dependent on your elite status level. Membership is included for United Club℠ Infinite Card holders.

Cardholders can also buy day passes at eligible lounges.

Purchasing Priority Pass or an airline-branded lounge membership does not qualify as a travel category expense on the Chase Sapphire Preferred® Card , so you will not earn 2x points.

Upgrade your card to the Chase Sapphire Reserve®

If you want included lounge access in the Sapphire family of cards, you’ll need to upgrade to the Chase Sapphire Reserve® card .

» See how these two cards compare

Because the Chase Sapphire Reserve® is a premium card, the annual fee is higher at $550 (and $75 for each authorized user), but many additional benefits help offset the cost.

First, there is the $300 annual travel credit that reimburses you for travel purchases.

Then there are the increased points bonuses in certain spending categories:

5x points on flights purchased through the Chase's travel portal .

10x points on hotels and car rentals purchased through Chase's portal.

3x points on dining.

A 50% increased value when redeeming points through the portal.

Lounge access is included as part of the Priority Pass Select membership; Chase Sapphire Lounges are included as well. Currently, there are lounges in Boston, Hong Kong and at New York’s LaGuardia and John F. Kennedy International airports. More clubs are on the way.

» Learn more: How Chase Sapphire Reserve lounge access works

The card also includes:

$100 in Global Entry or TSA PreCheck or Nexus fee every four years. 

Two-year Lyft Pink All Access membership.

A DoorDash subscription.

One year of complimentary Instacart+.

» Learn more: The best airline credit cards right now

An overview of the Chase Sapphire Preferred® Card

The annual fee for the Chase Sapphire Preferred® Card is $95 with no additional fee for authorized users.

Spending on the card earns Chase Ultimate Rewards® points, flexible points you can redeem for travel or other things like cash back or purchases.

The Chase Sapphire Preferred® Card earns 1 point per dollar on most purchases, but there are ways to earn additional points.

2x points on travel purchases or 5x points on purchases made through Chase's travel portal.

3x points on online grocery shopping.

3x points on select streaming services.

You can then use those points in several ways, including transferring them to partners or redeeming them through Chase's travel portal.

For redemptions in Chase's portal, Chase Sapphire Preferred® Card holders get 25% more value per point than they would if they didn’t have the card.

The Chase Sapphire Preferred® Card also includes several travel insurance benefits:

Trip cancellation and interruption insurance.

Baggage delay insurance.

Trip delay reimbursement.

Primary car rental collision damage waiver.

Services for travel and emergency assistance.

» Learn more: Chase Ultimate Rewards®: How the program works

Chase Sapphire Preferred® Card lounge access, recapped

The Chase Sapphire Preferred® Card does not include any airport lounge benefits as a perk of having the card, but it does have other travel benefits for a $95 annual fee.

If lounge access is your goal and you think you will get enough out of this benefit and others to justify the higher annual fee of $550, the Chase Sapphire Reserve® card may be your best bet.

on Chase's website

$550 plus $75 for each authorized user.

• 5 points per $1 on travel booked through Chase.

• 3 points per $1 on dining (including eligible delivery services and takeout), select streaming services and online grocery purchases (not including Target, Walmart and wholesale clubs).

• 2 points per $1 on other travel.

• 1 point per $1 on other purchases.

• 10 points per $1 on Chase Dining, hotel stays and car rentals purchased through Chase.

• 5 points per $1 on air travel purchased through Chase.

• 3 points per $1 on other travel and dining not booked with Chase.

Points worth 25% more when redeemed for travel booked through Chase.

Points worth 50% more when redeemed for travel booked through Chase.

10% of your total purchases in the previous year.

$50 in statement credits toward hotel stays purchased through Chase's travel portal.

$300 annual travel credit.

Travel protections, including auto rental collision damage waiver and baggage delay insurance.

No foreign transaction fees.

Priority Pass Select lounge access.

Statement credit for Global Entry , TSA PreCheck or NEXUS application fee every four years.

Access to Luxury Hotel & Resort Collection .

Complimentary Lyft Pink membership for two years.

Complimentary DashPass for at least one year through Dec. 31, 2024.

How to maximize your rewards

You want a travel credit card that prioritizes what’s important to you. Here are our picks for the best travel credit cards of 2024 , including those best for:

Flexibility, point transfers and a large bonus: Chase Sapphire Preferred® Card

No annual fee: Bank of America® Travel Rewards credit card

Flat-rate travel rewards: Capital One Venture Rewards Credit Card

Bonus travel rewards and high-end perks: Chase Sapphire Reserve®

Luxury perks: The Platinum Card® from American Express

Business travelers: Ink Business Preferred® Credit Card

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Blueprint is an independent, advertising-supported comparison service focused on helping readers make smarter decisions. We receive compensation from the companies that advertise on Blueprint which may impact how and where products appear on this site. The compensation we receive from advertisers does not influence the recommendations or advice our editorial team provides in our articles or otherwise impact any of the editorial content on Blueprint. Blueprint does not include all companies, products or offers that may be available to you within the market. A list of selected affiliate partners is available here .

Credit Cards > Reviews

Wells Fargo Signify Business Cash Card review 2024: Unlimited 2% cash rewards for your business without an annual fee

Lee Huffman

Robin Saks Frankel

“Verified by an expert” means that this article has been thoroughly reviewed and evaluated for accuracy.

Grace Pilling

Published 4:09 a.m. UTC May 13, 2024

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Editorial Note: Blueprint may earn a commission from affiliate partner links featured here on our site. This commission does not influence our editors' opinions or evaluations. Please view our full advertiser disclosure policy .

Business owners seeking a simple, low-frills 2% cash-rewards card will find that this card delivers just that. Read more in our complete Wells Fargo Signify Business Cash World Elite Mastercard® * The information for the Wells Fargo Signify Business Cash World Elite Mastercard® has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer. review.

Wells Fargo Signify Business Cash Mastercard basics

• Annual fee: $0.
• Welcome bonus: $500 cash rewards bonus after spending $5,000 in purchases in the first three months of account opening.
• Rewards: 2% cash rewards on purchases.
• APR: 0% intro APR on purchases for 12 months from account opening, then a 18.49% to 26.49% variable APR applies.
• Recommended credit score: Not available.
• Does the card offer preapproval? No.
• Other benefits: Free employee cards, primary rental car protection and a complimentary Priority Pass membership (enrollment required; lounge fees apply).

Wells Fargo Signify Business Cash Mastercard review

Small business owners can earn unlimited 2% cash rewards on purchases without paying an annual fee when using the Wells Fargo Signify Business Cash Mastercard. Comparable rewards credit cards for businesses either have a cap on how much you can earn or require tracking bonus categories eligible for additional rewards.

Plus, the card offers a 0% intro APR on purchases for 12 months from account opening, then a 18.49% to 26.49% variable APR applies, something not always offered on business credit cards. Cash-back cards typically have lower welcome bonuses, but the Signify Business Cash Card offers a respectable $500 cash rewards bonus after spending $5,000 in purchases in the first three months of account opening.

While the card’s additional benefits are relatively limited, it does include free employee cards, primary rental car protection and access to Priority Pass lounges upon enrollment. However, lounge access is not complimentary, so you must pay an entrance fee whenever you want to use this benefit. When using other cards with Priority Pass lounge access, entrance is typically complimentary for the cardholder and up to two guests, although credit cards offering this perk generally charge an annual fee.

• Unlimited 2% cash rewards: Earn 2% cash rewards on purchases without spending caps or needing to memorize bonus categories.
• Long intro APR offer: New accounts have up to a year to pay off purchases with no interest.
• Primary rental car protection: Your rental car is protected against theft or damage, and if you need to file a claim, it won’t involve your personal coverage.
• Foreign transaction fees: A fee of 3% of each transaction converted to U.S. dollars is added to purchases made outside the U.S.
• APR offer doesn’t include balance transfers: Business owners who need to transfer a balance cannot benefit from an intro APR offer to eliminate interest while paying off their debt.
• Priority Pass membership requires a fee to use: The card includes a complimentary Priority Pass membership upon enrollment, but it comes with “pay as you go” lounge visit fees.

Wells Fargo Signify Business Cash Card rewards

When using the Wells Fargo Signify Business Cash Card to make purchases for your business, you’ll earn a flat 2% cash rewards on purchases without annual spending caps. There are no bonus categories, which reduces the rewards you can earn on your highest spending categories.

Using government data and other publicly available information, our sample small business in the U.S. that would be in the market for this card has around $29,525 in annual expenses that can be charged to a credit card. Here’s how our sample cardholder’s rewards could break down:

In this example, our cardholder earns $590.50 in cash rewards.

The earnings are redeemable in three primary ways:

• Statement credit to reduce credit card balance.
• Book flights, hotels and rental cars through Wells Fargo.
• Buy gift cards.

Wells Fargo recently introduced points transfers for two of its consumer cards, the Wells Fargo Autograph Journey℠ Visa® Card * The information for the Wells Fargo Autograph Journey℠ Visa® Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer. and Wells Fargo Autograph℠ Card . The Signify Business Cash Card is not directly eligible to transfer rewards to airline and hotel partners, but a workaround is to combine the rewards from this card with those from an eligible card to transfer that way.

Wells Fargo Signify Business Cash Card APR

New cardholders are eligible for a 0% intro APR on purchases for 12 months from account opening, then a 18.49% to 26.49% variable APR applies. This offer provides interest-free financing on purchases, a benefit for business owners who need extra time to pay their balance while waiting to collect on receivables, sign a new client or get approved for another loan.

This card does not currently allow balance transfers.

Wells Fargo Signify Business Cash Card perks

The Signify Business Cash Card has a limited number of perks, but there are a few that are worth mentioning. Business owners can add employee cards for no additional cost in order to earn rewards on their purchases.

While it doesn’t offer other travel protections, your rental car is covered against damage or theft when paying with the Wells Fargo Signify Card. The coverage is primary, which means that you don’t need to involve your own insurance policy if you need to make a claim.

Cardholders also receive a Priority Pass membership (enrollment required). However, unlike Priority Pass Select memberships offered by competing cards, this membership does not include complimentary entrance. Instead, it is a “pay as you go” membership, which requires paying entrance fees when visiting any of the more than 1,500 participating lounges. Priority Pass lounge entrance fees are typically $35 per visit.

Wells Fargo Signify Business Cash Card drawbacks

The Wells Fargo Signify Card is a business cash-rewards card that includes many appealing features without an annual fee. However, it lacks a couple of features that other small business credit cards provide including.

Similar cards include purchase protection and an extended warranty, which cover eligible business purchases. You won’t get this peace of mind on big expenses with the Wells Fargo Signify Card. You also won’t receive travel protections beyond primary rental car protection. The card does not offer trip cancellation/interruption insurance, trip delay protection or baggage insurance.

our partner

Blueprint receives compensation from our partners for featured offers, which impacts how and where the placement is displayed.

Ink Business Unlimited® Credit Card

Welcome bonus.

Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening.

Regular APR

Credit score.

Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.

Editor’s take

• No annual fee.
• Introductory purchase APR period.
• Generous welcome bonus.
• High balance transfer fee.
• Charges foreign transaction fees.
• Few additional benefits.

Card details

• Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening
• Earn unlimited 1.5% cash back on every purchase made for your business
• No Annual Fee
• Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
• Earn rewards faster with employee cards at no additional cost. Set individual spending limits for greater control.
• Round-the-clock monitoring for unusual credit card purchases
• With Zero Liability you won’t be held responsible for unauthorized charges made with your card or account information.
• 0% introductory APR for 12 months on purchases
• Member FDIC

How the Wells Fargo Signify Business Cash Card compares to other business cards 

Wells fargo signify business cash card vs. ink business unlimited® credit card.

The Ink Business Unlimited® Credit Card is another no-annual-fee small business cash-back credit card. It earns at a slightly lower rate than the Signify with 1.5% cash back on purchases. The Ink Business Unlimited also has a larger welcome bonus offer of $750 cash back after spending $6,000 on purchases in the first three months of account opening. When paired with an eligible Chase credit card, you can unlock travel loyalty partners for valuable travel redemptions. 

Both cards also feature primary rental car protection, but the Ink Business Unlimited also includes purchase protection and extended warranty coverage. That said, over time, the higher earnings on the Wells Fargo Signify Business Cash Card will make it a better choice for most.

Wells Fargo Signify Business Cash Card vs. The Blue Business® Plus Credit Card from American Express * The information for the The Blue Business® Plus Credit Card from American Express has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer.

With the Amex Blue Business Plus (terms apply), you’ll earn flexible points without paying an annual fee. The card earns 2 Membership Rewards® points per $1 on everyday business purchases up to the first $50,000 spent per year, then 1 point per $1 on all other purchases. While the Wells Fargo Signify Card earns unlimited 2% cash rewards on purchases, smaller businesses likely won’t exceed the annual spending cap of the Amex Blue Business Plus. The Amex card also includes a similar intro APR offer: 0% intro APR on purchases for the first 12 months, then a variable APR of 18.49% to 26.49% applies.

The Blue Business® Plus Credit Card from American Express * The information for the The Blue Business® Plus Credit Card from American Express has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer. includes complimentary purchase protection and extended warranty coverage¹, as well as rental car insurance², although coverage is secondary not primary. However, its welcome bonus is smaller, offering 15,000 Membership Rewards points after spending $3,000 in eligible purchases in the first three months of card membership. Ultimately, the best choice between the two will depend on whether you prefer earning straight cash rewards or transferable rewards.

All information about The Blue Business® Plus Credit Card from American Express has been collected independently by Blueprint.

Wells Fargo Signify Business Cash Card vs. Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® credit card * The information for the Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® credit card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer.

Business owners with large deposit or investment balances may be eligible for enhanced rewards from the Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® credit card * The information for the Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® credit card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer. . This card has no annual fee and it earns unlimited 1.5% cash back on purchases. However, those who qualify for Preferred Rewards, will earn up to 75% more on every purchase, so those at the highest tier will earn up to 2.625% cash back on every purchase, which is about 30% higher than the Wells Fargo Signify Card.

The Business Advantage card’s intro APR offer on purchases lasts just nine months, and it doesn’t include rental car protection, but those who qualify for the bank’s higher rewards will find it’s still a more rewarding choice.

The Wells Fargo Signify Business Cash Card is right for you if:

• You want to earn simple rewards on your business spending without an annual fee.
• You can benefit from the card’s intro APR offer on purchases.
• You want a card that doesn’t cap your earning potential.

Frequently asked questions (FAQs)

Yes, this business credit card is worth it to business owners seeking a card that earns unlimited and generous cash rewards. Other perks include a generous welcome bonus, no annual fee and an introductory APR offer on purchases.

The Wells Fargo Signify Business Cash Card does not charge an annual fee. This keeps your costs low and allows you to benefit from the card’s unlimited cash rewards.

Like all rewards cards, you’ll likely need a good or better credit score to qualify for this card. FICO generally defines this as a score of 670 or higher, although issuers consider a variety of factors including your income and overall debts. Even though it’s a card designed for a small business, like most business credit cards, the issuer will consider your personal credit profile when making their approval decision.

¹Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.

²Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc.

*The information for the Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® credit card, The Blue Business® Plus Credit Card from American Express, Wells Fargo Autograph Journey℠ Visa® Card and Wells Fargo Signify Business Cash World Elite Mastercard® has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer.

Blueprint is an independent publisher and comparison service, not an investment advisor. The information provided is for educational purposes only and we encourage you to seek personalized advice from qualified professionals regarding specific financial decisions. Past performance is not indicative of future results.

Blueprint has an advertiser disclosure policy . The opinions, analyses, reviews or recommendations expressed in this article are those of the Blueprint editorial staff alone. Blueprint adheres to strict editorial integrity standards. The information is accurate as of the publish date, but always check the provider’s website for the most current information.

Lee Huffman spent 18 years in banking and investments and now uses that insider knowledge to write about credit cards, travel, and other personal finance topics. Lee enjoys showing people how to travel more, spend less, and live better through the power of travel rewards. You can connect with him at BaldThoughts.com.

Robin Saks Frankel is a credit cards lead editor at USA TODAY Blueprint. Previously, she was a credit cards and personal finance deputy editor for Forbes Advisor. She has also covered credit cards and related content for other national web publications including NerdWallet, Bankrate and HerMoney. She's been featured as a personal finance expert in outlets including CNBC, Business Insider, CBS Marketplace, NASDAQ's Trade Talks and has appeared on or contributed to The New York Times, Fox News, CBS Radio, ABC Radio, NPR, International Business Times and NBC, ABC and CBS TV affiliates nationwide. She holds an M.S. in Business and Economics Journalism from Boston University. Follow her on Twitter at @robinsaks.

Grace Pilling is a deputy editor for credit cards at USA TODAY Blueprint. She believes credit cards are the ultimate choose-your-own-adventure tools of the financial world and gets excited about helping people discover the best credit card strategy for their unique goals. Prior to joining Blueprint, Grace worked on and led personal finance teams at Bankrate, CreditCards.com, MoneyUnder30 and MoneyGeek. She has a bachelor’s degree in English and writing and a diploma in editing and publishing.

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Geographic coordinates of Elektrostal, Moscow Oblast, Russia

City coordinates

Coordinates of Elektrostal in decimal degrees

Coordinates of elektrostal in degrees and decimal minutes, utm coordinates of elektrostal, geographic coordinate systems.

WGS 84 coordinate reference system is the latest revision of the World Geodetic System, which is used in mapping and navigation, including GPS satellite navigation system (the Global Positioning System).

Geographic coordinates (latitude and longitude) define a position on the Earth’s surface. Coordinates are angular units. The canonical form of latitude and longitude representation uses degrees (°), minutes (′), and seconds (″). GPS systems widely use coordinates in degrees and decimal minutes, or in decimal degrees.

Latitude varies from −90° to 90°. The latitude of the Equator is 0°; the latitude of the South Pole is −90°; the latitude of the North Pole is 90°. Positive latitude values correspond to the geographic locations north of the Equator (abbrev. N). Negative latitude values correspond to the geographic locations south of the Equator (abbrev. S).

Longitude is counted from the prime meridian ( IERS Reference Meridian for WGS 84) and varies from −180° to 180°. Positive longitude values correspond to the geographic locations east of the prime meridian (abbrev. E). Negative longitude values correspond to the geographic locations west of the prime meridian (abbrev. W).

UTM or Universal Transverse Mercator coordinate system divides the Earth’s surface into 60 longitudinal zones. The coordinates of a location within each zone are defined as a planar coordinate pair related to the intersection of the equator and the zone’s central meridian, and measured in meters.

Elevation above sea level is a measure of a geographic location’s height. We are using the global digital elevation model GTOPO30 .

Elektrostal , Moscow Oblast, Russia

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• Moscow Oblast

Elektrostal

Elektrostal Localisation : Country Russia , Oblast Moscow Oblast . Available Information : Geographical coordinates , Population, Area, Altitude, Weather and Hotel . Nearby cities and villages : Noginsk , Pavlovsky Posad and Staraya Kupavna .

Information

Find all the information of Elektrostal or click on the section of your choice in the left menu.

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Elektrostal Demography

Information on the people and the population of Elektrostal.

Elektrostal Geography

Geographic Information regarding City of Elektrostal .

Elektrostal Distance

Distance (in kilometers) between Elektrostal and the biggest cities of Russia.

Elektrostal Map

Locate simply the city of Elektrostal through the card, map and satellite image of the city.

Elektrostal Nearby cities and villages

Elektrostal weather.

Weather forecast for the next coming days and current time of Elektrostal.

Elektrostal Sunrise and sunset

Find below the times of sunrise and sunset calculated 7 days to Elektrostal.

Elektrostal Hotel

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Elektrostal Nearby

Below is a list of activities and point of interest in Elektrostal and its surroundings.

Elektrostal Page

• Information /Russian-Federation--Moscow-Oblast--Elektrostal#info
• Demography /Russian-Federation--Moscow-Oblast--Elektrostal#demo
• Geography /Russian-Federation--Moscow-Oblast--Elektrostal#geo
• Distance /Russian-Federation--Moscow-Oblast--Elektrostal#dist1
• Map /Russian-Federation--Moscow-Oblast--Elektrostal#map
• Nearby cities and villages /Russian-Federation--Moscow-Oblast--Elektrostal#dist2
• Weather /Russian-Federation--Moscow-Oblast--Elektrostal#weather
• Sunrise and sunset /Russian-Federation--Moscow-Oblast--Elektrostal#sun
• Hotel /Russian-Federation--Moscow-Oblast--Elektrostal#hotel
• Nearby /Russian-Federation--Moscow-Oblast--Elektrostal#around
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