Tips & Advices
AAA Expects Record Holiday Season Travel

WASHINGTON, DC (December 11, 2024) – AAA projects 119.3 million people will travel 50 miles or more from home over the year-end holiday period* from Saturday, December 21 to Wednesday, January 1. This year’s domestic travel projection narrowly surpasses the previous record set in 2019 by 64,000 travelers. AAA expects an additional 3 million travelers this holiday season compared to last year.
“This is the time of year when lifelong memories are made with loved ones, and travel plays a big role in that,” said Stacey Barber, Vice President of AAA Travel. “This year, with Christmas Day falling on a Wednesday, we’re anticipating record-breaking travel numbers the weekend before and the weekend after the holiday.”
Year-End Travelers by Mode
By Car: Nearly 90% of holiday travelers will be driving to their destinations, making it the most popular way to travel. 107 million people are expected to travel by car, and while that number is 2.5 million higher than last year, it’s shy of 2019’s record of 108 million. Many travelers, particularly families with young children, prefer the flexibility and lower cost that road trips provide. This holiday season, gas prices are lower than last year, when the national average was around $3.12 in the last two weeks of 2023. Gas demand in December goes down as the weather gets colder, more people work remotely, and holiday shoppers purchase their gifts online versus in person.
AAA car rental partner Hertz says Denver, Las Vegas, Los Angeles, Miami, Oahu, Orlando, Phoenix, and Tampa are the cities displaying the highest rental demand for the holidays. The busiest car pick-up days are expected to be Friday, December 20 and Saturday, December 21. The busiest time for rental returns is expected to be the weekend and Monday after Christmas. The average length of rental is one week.
By Air: AAA expects air travel to set a new record this holiday season with 7.85 million passengers. That number surpasses the previous record of 7.5 million air travelers last year. AAA booking data shows flights are 4% more expensive this holiday season compared to last year. The average domestic ticket is $830. International flights are 13 % more expensive, averaging $1,630 a ticket.
By Other Modes: The number of Americans traveling by bus, train, and cruise this holiday season is up nearly 10% compared to last year. AAA expects 4.47 million people will travel by other modes. That number is the highest it’s been in 20 years. Domestic cruise bookings are up 37% compared to last holiday season. Cruising is popular this time of year as many families enjoy celebrating the holidays aboard a ship full of activities and food.
AAA’s Road Trip Safety Tips
With an additional 2.5 million travelers expected on the roads during this year-end holiday travel period, AAA urges drivers to prioritize safety with the following tips:
Follow Posted Speed Limits: While it’s tempting to speed to save time, the facts don’t support it. Even minor increases in speed can make crashes deadly.
- Driving 80 mph instead of 75 mph over 100 miles saves only 5 minutes, hardly worth the risk.
- Speeding may feel faster but often leads to tragedy.
Drive Only When Alert and Refreshed: Driving on 4-5 hours of sleep is as dangerous as driving with a 0.08 BAC (legal intoxication). Less than 4 hours of sleep? The risk doubles.
- Travel during hours you’re normally awake and avoid overnight drives.
- Steer clear of heavy meals, drowsy medications, and alcohol.
- For long trips, take breaks every 2 hours or 100 miles. Use these breaks to switch drivers if possible, or park at a safe location and nap for 20-30 minutes to recharge.
Slow Down, Move Over: A roadside worker is killed every other week in the U.S. To help prevent these tragedies, AAA asks drives to Slow Down, Move Over.
- When you see an emergency responder on the side of the road assisting a stranded driver, reduce your speed.
- If possible, change lanes to give those crews room to do their jobs safely.
- All 50 states and the District of Columbia have Move Over laws in place.
Best/Worst Times to Drive and Peak Congestion by Metro
INRIX, a provider of transportation data and insights, expects drivers will experience the worst traffic delays the weekends before Christmas Day and New Year’s Day. The holidays themselves are expected to have minimal congestion. Drivers in Boston, New York City, Seattle, and Washington, DC could see double the typical delays. Nationwide, travel times could be up to 30% longer.
“With a near record number of auto travelers expected this holiday season, drivers should expect delays in and around major metro areas, with Sunday, December 22 expected to be the nation’s worst day to travel,” says Bob Pishue, transportation analyst at INRIX. “Our advice is to avoid traveling during peak commuting hours during the week. If schedules allow, leave bright and early or after the evening commute.”
Please note that the times listed below are for the time zone in which the metro is located. For example, Atlanta routes = ET and Los Angeles routes = PT.
Best and Worst Times to Travel by Car |
|||||||
Date | Worst Travel Time | Best Travel Time | |||||
Thursday, Dec 19 | 3:00 – 8:00 PM | Before 11:00 AM | |||||
Friday, Dec 20 | 1:00 – 8:00 PM | Before 11:00 AM | |||||
Saturday, Dec 21 | 4:00 PM – 8:00 PM | Before 2:00 PM | |||||
Sunday, Dec 22 | 3:00 PM – 8:00 PM | Before 12:00 PM | |||||
Monday, Dec 23 | 1:00 – 6:00 PM | Before 11:00 AM | |||||
Tuesday, Dec 24 | Minimal Traffic Impact Expected | ||||||
Wednesday, Dec 25 | Minimal Traffic Impact Expected | ||||||
Thursday, Dec 26 | 12:00 PM – 5:00 PM | Before 11:00 AM | |||||
Friday, Dec 27 | 3:00 PM – 7:00 PM | Before 2:00 PM | |||||
Saturday, Dec 28 | 1:30 PM – 7:00 PM | Before 11:00 AM | |||||
Sunday, Dec 29 | 12:00 PM – 6:00 PM | Before 11:00 AM | |||||
Monday, Dec 30 | 5:00 PM – 7:00 PM | Before 2:00 PM | |||||
Tuesday, Dec 31 | Minimal Traffic Impact Expected | ||||||
Wednesday, Jan 01 | Minimal Traffic Impact Expected | ||||||
Thursday, Jan 02 | 4:00 PM – 8:00 PM | Before 3:00 PM | |||||
Peak Congestion by Metro |
|||||||
Metro | Route | Peak Congestion Period | Est. Travel Time |
Increase Compared to Typical |
|||
Atlanta |
Atlanta to Augusta via I-20 E |
Sunday 22nd 1:45 PM |
2 hours 54 minutes |
38% | |||
Boston |
Boston to Hyannis via Pilgrim Hwy S |
Friday 20th 3:45 PM |
2 hours 24 minutes |
100% | |||
Chicago |
Chicago to Milwaukee via I-94 W |
Sunday 22nd 4:45 PM |
2 hours 2 minutes |
69% | |||
Denver |
Fort Collins to Denver via I-25 S |
Sunday 29th 1:00 PM |
1 hour 31 minutes |
67% | |||
Detroit |
Detroit to Cleveland via I-75 S |
Monday 23rd 4:30 PM |
3 hours 23 minutes |
36% | |||
Houston |
Lafayette (LA) to Houston via I-10 W |
Friday 27th 5:45 PM |
4 hours 54 minutes |
53% | |||
Los Angeles |
Los Angeles to Palm Springs via I-10 E |
Sunday 22nd 7:45 PM |
2 hours 53 minutes |
81% | |||
Minneapolis |
Eau Claire to Minneapolis via I-94 W |
Sunday 29th 4:30 PM |
1 hour 54 minutes |
46% | |||
New York |
New York to Hamptons via Long Island Expy E |
Sunday 22nd 4:30 PM |
2 hours 39 minutes |
108% | |||
Philadelphia |
Philadelphia to Baltimore/DC via I-95 S |
Sunday 22nd 4:45 PM |
2 hours 4 minutes |
40% | |||
Portland |
Portland to Eugene via I-5 S |
Sunday 22nd 3:45 PM |
2 hours 23 minutes |
50% | |||
San Diego |
San Diego to Palm Springs via I-15 N |
Friday 20th 6:15 PM |
3 hours 7 minutes |
35% | |||
San Francisco |
San Francisco to Napa via I-80 E |
Saturday 21st 7:30 PM |
2 hours 2 minutes | 82% | |||
Seattle |
Seattle to Ellensburg via I-90 W |
Friday 20th 7:00 PM |
3 hours 18 minutes |
106% | |||
Tampa |
Gainesville to Tampa via I-75 S |
Saturday 28th 10:30 AM |
2 hours 54 minutes |
53% | |||
Washington, DC |
Washington, DC to Annapolis via US-50 E |
Thursday 19th 4:30 PM |
1 hour 17 minutes |
160% |
Source: INRIX
AAA’s Top Holiday Destinations
The top holiday destinations listed below are based on AAA booking data from December 21, 2024 to January 1, 2025. Tropical weather destinations top the list as many people head to beach resorts and head on cruises to end the year. The charming Southern cities of Charleston and New Orleans are also on the top 10 domestic list. In addition to Caribbean destinations, Bahrain finds itself in the top 10 international list thanks to its popular cruise port, pleasant weather, and rich history.
DOMESTIC | INTERNATIONAL/CARIBBEAN |
ORLANDO, FL | PUNTA CANA, DOMINICAN REPUBLIC |
FORT LAUDERDALE, FL | MEXICALI, MEXICO |
MIAMI, FL | CANCUN, MEXICO |
ANAHEIM/LOS ANGELES, CA | BAHRAIN, BAHRAIN |
TAMPA, FL | PUERTO VALLARTA, MEXICO |
LAS VEGAS, NV | SAN JOSE, COSTA RICA |
HONOLULU, HI | SAN JUAN, PUERTO RICO |
CHARLESTON, SC | NASSAU, BAHAMAS |
NEW ORLEANS, LA | ORANJESTAD, ARUBA |
NEW YORK, NY | LONDON, ENGLAND |
Holiday Forecast Methodology
Travel Forecast
In cooperation with AAA, S&P Global Market Intelligence (SPGMI) developed a unique methodology to forecast actual domestic travel volumes. The economic variables used to forecast travel for the current holiday are leveraged from SPGMI’s proprietary databases. These data include macroeconomic drivers such as employment, output, household net worth, asset prices, including stock indices, interest rates, housing market indicators, and variables related to travel and tourism, including gasoline prices, airline travel, and hotel stays. AAA and SPGMI have quantified holiday travel volumes going back to 2000.
Historical travel volume estimates come from DK SHIFFLET’s TRAVEL PERFORMANCE/MonitorSM. The PERFORMANCE/MonitorSM is a comprehensive study measuring the travel behavior of U.S. residents. DK SHIFFLET contacts over 50,000 U.S. households each month to obtain detailed travel data, resulting in the unique ability to estimate visitor volume and spending, identify trends, and forecast U.S. travel behavior, all after the trips have been taken.
The travel forecast is reported in person-trips. In particular, AAA and SPGMI forecast the total U.S. holiday travel volume and expected mode of transportation. The travel forecast presented in this report was prepared the week of November 4, 2024.
Because AAA forecasts focus on domestic leisure travel only, comparisons to TSA passenger screening numbers should not be made. TSA data includes all passengers traveling on both domestic and international routes. Additionally, TSA screens passengers each time they enter secured areas of the airport, therefore each one-way trip is counted as a passenger tally. AAA focuses on person-trips, which include the full round-trip travel itinerary. As a result, direct comparisons of AAA forecast volumes and daily TSA screenings represent different factors.
Year-End Holiday Travel Period
For this forecast, the year-end holiday travel period is defined as the twelve-day period from Saturday, December 21 to Wednesday, January 1. AAA’s year-end holiday travel period can range from 10 to 13 days, depending on which day of the week Christmas and New Year’s Day fall. This year’s holiday travel period is two days longer than last year. While a longer holiday travel period can offer more options for departures and return trips, all the year-end holiday periods contain two weekends.
About AAA
Started in 1902 by automotive enthusiasts who wanted to chart a path for better roads in America and advocate for safe mobility, AAA has transformed into one of North America’s largest membership organizations. Today, AAA delivers exceptional roadside assistance, helps travelers plan their dream vacations and adventures, offers exclusive member discounts and benefits, and provides trusted financial and insurance services – all to enhance the life journey of our 65+ million members across North America, including nearly 58 million in the United States. To learn more about all AAA offers or become a member, visit AAA.com.
About S&P Global
S&P Global (NYSE: SPGI) provides essential intelligence. We enable governments, businesses, and individuals with the right data, expertise, and connected technology so that they can make decisions with conviction. From helping our customers assess new investments to guiding them through ESG and energy transition across supply chains, we unlock new opportunities, solve challenges, and accelerate progress for the world. We are widely sought after by many of the world’s leading organizations to provide credit ratings, benchmarks, analytics, and workflow solutions in the global capital, commodity, and automotive markets. With every one of our offerings, we help the world’s leading organizations plan for tomorrow today. For more information, visit www.spglobal.com.
About DKSA
DK SHIFFLET boasts the industry’s most complete database on U.S. resident travel both in the U.S. and worldwide. Data is collected monthly from a U.S. representative sample, adding over 60,000 traveling households annually, and is used daily by leading travel organizations and their strategic planning groups. DK SHIFFLET is an MMGY Global company.
About INRIX
Founded in 2004, INRIX pioneered intelligent mobility solutions by transforming big data from connected devices and vehicles into mobility insights. This revolutionary approach enabled INRIX to become one of the leading providers of data and analytics into how people move. By empowering cities, businesses, and people with valuable insights, INRIX is helping to make the world smarter, safer, and greener. With partners and solutions spanning across the entire mobility ecosystem, INRIX is uniquely positioned at the intersection of technology and transportation – whether it’s keeping road users safe, improving traffic signal timing to reduce delay and greenhouse gasses, optimizing last mile delivery, or helping uncover market insights. Learn more at INRIX.com.
Tips & Advices
Record number of Kiwis making travel insurance claims in Europe

Tips & Advices
Citi Strata Elite Card 2025 Review

The Citi Strata Elite℠ Card is the bank’s newest addition to its Strata line of cards and its first premium card since the Citi Prestige® Card, which is no longer available to new applicants.
The card comes with nearly $1,500 in value each year through perks like the $200 annual Splurge credit and a complimentary Priority Pass Select membership. Citi is also furthering its partnership with American Airlines and offering some AA-specific perks that frequent flyers will appreciate.
CNBC Select dives into Citi’s newest premium option to see how it stacks up against a very competitive travel credit card landscape.
The Citi Strata Elite℠ Card aims to brings premium restaurant rewards and travel benefits to users, including an annual hotel benefit of $300.
- High rewards rate on travel
- 6X on restaurants
- Can transfer points to American Airlines at a 1:1 rate
- Up to $200 annual splurge credit
- High annual fee
- Limited rewards categories
Highlights
Highlights shown here are provided by the issuer and have not been reviewed by CNBC Select’s editorial staff.
- Earn 80,000 bonus Points after spending $4,000 in the first 3 months of account opening
- Earn 12 Points per $1 spent on Hotels, Car Rentals, and Attractions booked on cititravel.com and 6 Points per $1 spent on Air Travel booked on cititravel.com
- Earn 6 Points per $1 spent at Restaurants including Restaurant Delivery Services on CitiNights℠ purchases, every Friday and Saturday from 6 PM to 6 AM ET. Earn 3 Points per $1 spent any other time
- Earn 1.5 Points per $1 spent on All Other Purchases
- Up to $300 Annual Hotel Benefit: Each calendar year, enjoy up to $300 off a hotel stay of two nights or more when booked through cititravel.com.
- No Foreign Transaction Fees
Balance transfer fee
Balance transfer fee applies with this offer 5% of each balance transfer; $5 minimum.
Citi Strata Elite Card review
Welcome bonus
If you’re approved for the Citi Strata Elite Card, for a limited time, you can earn 80,000 bonus points after spending $4,000 in the first three months of account opening. With these points generally valued at around 1.75 cents per point by the industry, this welcome bonus is worth about $1,400, which is a great return.
This bonus is earned in the form of Citi ThankYou® Points, which can be redeemed in a number of ways, from simple statement credits, to paying with points or transferring them to one of Citi’s travel partners.
Benefits and perks
The Citi Strata Elite comes with several perks, with the bulk of its value in travel and lifestyle categories.
Statement credits
- $300 Annual Hotel Benefit: Enjoy up to $300 off a hotel stay of two nights or more booked through Citi Travel every calendar year.
- $200 annual Splurge credit: Every calendar year, earn up to $200 in statement credits from your choice of up to two of the following brands: 1stDibs, American Airlines, Best Buy, Future Personal Training and Live Nation, with the option to change your selection at any time.
- $200 annual Blacklane credit: Enjoy up to $200 in statement credits, every calendar year, when booking with Blacklane, up to $100 from January through June and up to $100 from July through December.
- Global Entry or TSA PreCheck® credit: Receive a statement credit of up to $120 every four years as reimbursement for either the Global Entry or TSA PreCheck application fee.
While you do have to book via Citi Travel, the $300 hotel credit isn’t tied to any specific brand, meaning you’ll have more options. The $200 splurge credit is another welcome addition that gives you more control over how you earn rewards, letting you choose and switch between several brands, ranging from tickets to technology.
One credit that isn’t as common is the one for Blacklane, a global chauffeur service. While it might serve as a nice luxury option for special occasions, odds are that you’ll have an easier time with a taxi or public transportation.
Additional offerings
In addition to straightforward statement credits, the Strata Elite also offers some extra benefits:
- American Airlines Admirals Club passes: Every calendar year, you’ll receive four Admirals Club Citi Strata Elite passes, good for entry to 50+ Admirals Club lounges.
- Complimentary Priority Pass Select membership: Access to 1,500+ airport lounges worldwide for the primary cardholder and authorized users, plus up to two guests.
- Access to The Reserve by Citi Travel: A collection of 4.5- to 5-star hotels.
- Travel and shopping protections: Perks like trip delay protection, enhanced trip cancellation and trip interruption protection, plus lost or damaged luggage protection, MasterRental coverage, extended warranty and purchase assurance plus.
- Mastercard World Legend benefits: The newest premium tier to the Mastercard Collection, offering priority reservations at restaurants, including in Europe through Mastercard’s partnership with TheFork, ticketing access and more.
If Citi happens to be a company you bank with, it’s possible that you could be eligible for additional savings through an offer just for Citi customers:
- Citigold® Private Client Relationship Tier credit: Citigold Private Clients who qualify for the card will receive a first-year banking credit of $595, covering the card’s annual fee. You’ll then receive a $145 annual credit each following year, with an open and current Strata Elite card.
- Citigold® Relationship Tier credit: Citigold Clients who qualify for the card will receive a $145 banking credit with an open and current Strata Elite card.
How to earn and redeem Citi ThankYou Points
Earning
The Citi Strata Elite has a high earnings rate when you book via the Citi Travel portal, and it offers elevated earnings rates during certain eligible times:
- Earn 12X points on hotels, car rentals and attractions booked on cititravel.com
- Earn 6X points on air travel booked on cititravel.com
- Earn 6X points at restaurants on Citi Nights℠ purchases, every Friday and Saturday, from 6 PM to 6 AM ET; earn 3X points any other time
- Earn 1.5X points on all other purchases
What jumps out first is the very high 12X on hotels and more, but it is tied to the issuer’s travel portal, a common theme with premium travel cards. It’s also the first time we’ve seen a card that has a timed window to earn elevated rewards. It earns a higher rate at restaurants on Friday and Saturday nights, which could make your weekend date nights a little more affordable.
Redeeming
When redeeming the Citi ThankYou Points earned by your Strata Elite, you have several options to choose from, like:
- Travel
- Gifts cards
- Cash back
- Shopping via select retailers
- Charitable donations
While options like cash back and gift cards are usually the simplest, they often don’t provide you with the best value; the highest value usually comes from taking advantage of the transfer partners offered through Citi:
- AAdvantage® Program (1:1 ratio for Citi Strata Elite, Citi Strata Premier and Citi Prestige cardmembers)
- ALL Accor Live Limitless (2:1 ratio)
- Aeromexico (1:1 ratio)
- Air France-KLM Flying Blue (1:1 ratio)
- Avianca LifeMiles (1:1 ratio)
- Cathay Pacific Asia Miles (1:1 ratio)
- Choice Privileges (1:2 ratio or 2:3 with select Citi cards)
- Emirate Skywards (1:1 ratio)
- Etihad Guest (1:1 ratio)
- EVA Air (1:1 ratio)
- JetBlue TrueBlue (1:1 ratio or 5:4 with select Citi cards)
- Leaders Club (5:1 ratio)
- Preferred Hotels & Resorts (1:4 ratio)
- Quantas Frequent Flyer (1:1 ratio)
- Qatar Airways Privilege Club (1:1 ratio)
- Shop Your Way (1:10 ratio)
- Singapore Airlines (1:1 ratio)
- Thai Royal Orchard Plus (1:1 ratio)
- Turkish Airlines Miles&Smiles (1:1 ratio)
- Virgin Atlantic Flying Club & Virgin Red (1:1 ratio)
- Wyndham Rewards (1:1 ratio or 5:4 with select Citi cards)
Rates and fees
The Citi Strata Elite was built to compete with some of the most popular travel credit cards, and its $595 annual fee represents that. The card has no foreign transaction fees and a late or returned payment fee of $41. The card’s variable purchase APR ranges from 21.24% to 29.24%, depending on creditworthiness.
Card comparison
Citi Strata Elite Card vs. The Platinum Card from American Express
The Platinum Card® from American Express is a premium card loaded with annual statement credits, entertainment benefits, extensive airport lounge access, elite status perks and more. (Enrollment required for select benefits mentioned)
- Access to 1,400+ airport lounges, including Priority Pass™ Select lounges (enrollment required) and Amex Centurion lounges
- Statement credit offers worth up to twice what the annual fee costs
- Elite status perks for hotels and rental cars (Enrollment required for select benefits mentioned)
- High annual fee
- Many statement credit offers are complicated and are earned in increments or limited to specific purchases
Highlights
Highlights shown here are provided by the issuer and have not been reviewed by CNBC Select’s editorial staff.
- You may be eligible for as high as 175,000 Membership Rewards® Points after you spend $8,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you’re approved and find out your exact welcome offer amount – all with no credit score impact. If you’re approved and choose to accept the Card, your score may be impacted.
- Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel® up to $500,000 on these purchases per calendar year and earn 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel®.
- $200 Hotel Credit: Get up to $200 back in statement credits each year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings through American Express Travel using your Platinum Card®. The Hotel Collection requires a minimum two-night stay.
- $240 Digital Entertainment Credit: Get up to $20 back in statement credits each month on eligible purchases made with your Platinum Card® on one or more of the following: Disney+, a Disney+ bundle, ESPN+, Hulu, The New York Times, Peacock, and The Wall Street Journal. Enrollment required.
- Enjoy the benefits of the Global Lounge Collection, with over $500 of annual value if you visit Centurion Lounges and each of our partner lounges including Delta Sky Club® lounges when flying an eligible Delta flight (subject to visit limitations) , select Lufthansa lounges when flying Lufthansa, Plaza Premium lounges and Escape Lounges, and enroll in Priority Pass Select. See terms.
- A Walmart+ membership can get you free shipping with no order minimum on eligible items shipped by Walmart. Use your Platinum Card® to pay for a monthly Walmart+ membership (subject to auto-renewal) and receive one statement credit for up to $12.95 (plus applicable taxes. Plus Ups not eligible) each month. Free Shipping excludes most Marketplace items, freight & certain location surcharges. Paramount+ Essential plan only, separate registration required.
- $200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees are charged by the airline to your Platinum Card® Account. American Express relies on airlines to submit the correct information on airline transactions to identify incidental fee purchases. If you do not see a credit for a qualifying incidental purchase on your eligible Card after 8 weeks, simply call the number on the back of your Card. Qualifying airlines are subject to change. See terms & conditions for more details.
- $200 Uber Cash: Platinum Card® Members can ride or dine in style with $15 in Uber Cash each month, plus a bonus $20 in December after adding their Card to their Uber account. Use your Uber Cash on rides and orders in the U.S. when you select an Amex Card for your transaction.
- $199 CLEAR® Plus Credit: CLEAR® Plus helps get you to your gate faster by using unique facial attributes to verify you are you at 50+ airports nationwide. Receive up to $199 in statement credits per calendar year after you pay for your CLEAR Plus Membership (subject to auto-renewal) with the Platinum Card®.
- Receive either a $120 statement credit every 4 years for a Global Entry application fee or a statement credit up to $85 every 4.5 years for a TSA PreCheck® (through a TSA official enrollment provider) application fee, when charged to your Platinum Card®. Card Members approved for Global Entry will also receive access to TSA PreCheck at no additional cost.
- Shop Saks with Platinum: Get up to $100 in statement credits annually for purchases in Saks Fifth Avenue stores or at saks.com on your Platinum Card®. That’s up to $50 in statement credits semi-annually. Enrollment required.
- Use Global Dining Access by Resy to access premium dining experiences. Receive Priority Notify and unlock insider access to some of the world’s most sought-after restaurants with Global Dining Access by Resy. Download the Resy iOS app or log into Resy.com and add your Platinum Card® to your Resy profile to take advantage of your special benefits and discover restaurants near you.
- $695 annual fee.
- Terms Apply.
- See Rates & Fees
Balance transfer fee
Foreign transaction fee
The Platinum Card® from American Express offers more value in the form of statement credits, making it a good option for those seeking direct value from the card. Amex’s Platinum also comes with hotel status upgrades and permanent access to Amex’s Global Lounge Collection, including its Centurion Lounges. While enrollment is not necessary for Centurion Lounge access, some other lounge programs within the American Express Global Lounge Collection, such as Priority Pass, do require enrollment. The Strata Elite offers a high rewards rate on restaurants and a flexible $200 Splurge credit. The ability to earn up to 12X on hotels and 6X on air travel booked through Citi Travel can help you rack up ThankYou Points very quickly and help finance even more getaways.
Citi Strata Elite Card vs. Chase Sapphire Reserve
The Chase Sapphire Reserve® is a standout premium credit card with plenty of luxury perks and statement credits to justify its annual fee.
- Access over 1,300 airport lounges worldwide with a complimentary Priority PassTM Select membership, plus every Chase Sapphire Lounge® by The Club with two guests.
- Up to $300 in annual travel credit each account anniversary year
- You can transfer rewards to all of Chase’s travel partners including World of Hyatt, Southwest Rapid Rewards and many more
- Top-tier travel and shopping protections
- High annual fee
- Requires a high credit score
Highlights
Highlights shown here are provided by the issuer and have not been reviewed by CNBC Select’s editorial staff.
- Earn 100,000 bonus points + $500 Chase TravelSM promo credit after you spend $5,000 on purchases in the first 3 months from account opening.
- Get more than $2,700 in annual value with Sapphire Reserve.
- Earn 8x points on all purchases through Chase TravelSM, including The EditSM and 4x points on flights and hotels booked direct. Plus, earn 3x points on dining worldwide & 1x points on all other purchases
- $300 annual travel credit as reimbursement for travel purchases charged to your card each account anniversary year.
- Access over 1,300 airport lounges worldwide with a complimentary Priority PassTM Select membership, plus every Chase Sapphire Lounge® by The Club with two guests. Plus, up to $120 towards Global Entry, NEXUS, or TSA PreCheck® every 4 years
- Get up to $150 in statement credits every six months for a maximum of $300 annually for dining at restaurants that are part of Sapphire Reserve Exclusive Tables.
- Count on Trip Cancellation/Interruption Insurance, Auto Rental Coverage, Lost Luggage Insurance, no foreign transaction fees, and more.
- Get complimentary Apple TV+, the exclusive streaming home of Apple Originals. Plus Apple Music — all the music you love, across all your devices. Subscriptions run through 6/22/27 — a value of $250 annually
- Member FDIC
Balance transfer fee
Either $5 or 5% of the amount of each balance transfer, whichever is greater
Is the Citi Strata Elite Card right for you?
The Citi Strata Elite is a great fit for those who don’t mind booking primarily through travel portals, and for American Airlines customers eager to have a card that earns rewards that can be transferred to the AAdvantage program. The card comes with up to $300 in annual hotel benefits and a flexible $200 Splurge credit, both fairly easy credits to redeem. If you’re invested in the Citi ThankYou Points system or looking for a card that earns rewards compatible with American Airlines, this card is the next perfect addition to your wallet.
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Top 10 Off Beats from July – businessinsurance.com

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