Key insights:
- The Citi Strata Elite® Card purchase protection benefit could reimburse you for eligible stolen or damaged items
- Coverage lasts for 90 days from the date of purchase or delivery
- Cardmembers may receive up to $10,000 per item and up to $50,000 per calendar year in reimbursements
- Filing a claim requires prompt action and specific documentation, like receipts or repair estimates
The Citi Strata Elite® Card offers a benefit known as purchase protection. This feature provides coverage for items bought with the card if they are stolen or damaged. However, it’s only applicable within a certain period after purchase or delivery.
Understanding how this benefit works is crucial to ensuring you can use it when needed. Let’s look at the key aspects of the Citi Strata Elite® Card purchase protection, including what purchases are covered, the exclusions and how to file a claim.
What is the Citi Strata Elite® Card purchase protection benefit?
The Citi Strata Elite® Card purchase protection benefit is designed to protect cardmembers against theft or damage to eligible items. Coverage is free and may apply to purchases made with the card or with ThankYou® points.
When you buy a new electronic device, the last thing you may want is for it to break or disappear just weeks later. Purchase protection steps in to provide peace of mind during those vulnerable first few months of ownership.
This credit card’s purchase protection coverage is time-sensitive and restricted to specific dollar amounts. It only covers items for up to 90 days after purchase. It may reimburse up to $1,000 per incident and $10,000 per item, with a $50,000 annual reimbursement cap.*
What is covered by the Citi Strata Elite® Card purchase protection policy?
With the Citi Strata Elite® Card purchase protection policy, covered items may include a wide variety of everyday goods and high-value physical products.
Commonly covered categories include:
- Electronics: Smartphones, laptops, tablets and other consumer electronics
- Household furnishings and appliances: Furniture, appliances and other home items
- Apparel and accessories: Clothing items, shoes and everyday wear purchased for personal use*
However, the purchase protection policy primarily relies on a list of exclusions rather than covering specific purchases. Let’s look at these exclusions in the next section.
What is not covered by purchase protection?
It’s important to be aware that not all items are covered under the Citi Strata Elite® Card purchase protection plan. Certain categories fall outside the scope of this benefit.*
Exclusions include:
- Vehicles, including cars, boats and aircraft
- Perishable items that require replacement after use, including food or batteries
- Currency, including rare or precious coins, gift cards or traveler checks
- Tickets of any kind, such as those for airlines, sporting events, concerts or lottery
- Items purchased for resale, professional or commercial use
- Advice or services for a purchased item, such as product installation or maintenance
- Watches or jewelry, including loose gems, precious stones, metals and pearls
- Firearms or ammunition
Additionally, purchases may not be covered if the damage or theft of your item was preventable or if you used the item for an unintended purpose. For example, leaving a new item unattended in a public space might disqualify it from theft coverage. Cardmembers are encouraged to consult their benefits guide to review the full list of exclusions and limitations.
