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You’re our first priority. Every time. We believe everyone should be able to make financial decisions with confidence. And while our site doesn’t feature every company or financial product available on the market, we’re proud that the guidance we offer, the information we provide and the tools we create are objective, independent, straightforward — and free. So how do we make money? Our partners compensate us. This may influence which products we review and write about (and where those products appear on the site), but it in no way affects our recommendations or advice, which are grounded in thousands of hours of research. Our partners cannot pay us to guarantee favorable reviews of their products or services. Here is a list of our partners. What Is Citi’s ‘Splurge Credit,’ and How Does It Work? A benefit found on a select group of Citi credit cards, it reimburses you for purchases from a handful of eligible merchants. Make sure you read the fine print, though. Many or all of the products on this page are from partners who compensate us when you click to or take an action on their website, but this does not influence our evaluations or ratings. Our opinions are our own. How is this page expert verified? NerdWallet's content is fact-checked for accuracy, timeliness and relevance. It undergoes a thorough review process involving writers and editors to ensure the information is as clear and complete as possible. Written by Lead Writer & Content Strategist 3 years of experience Expertise Credit cards Jae Bratton has been writing about credit cards for NerdWallet since 2022. Her work has been published in The Washington Post, the Los Angeles Times, The Associated Press and the journal Studies in Popular Culture, among other outlets. Before joining NerdWallet, Jae taught English and journalism for 13 years. Published in Lead Writer & Content Strategist + more Edited by Managing Editor 24 years of experience Expertise Credit cards credit scores Kenley Young directs daily credit cards coverage for NerdWallet. Previously, he was a homepage editor and digital content producer for Fox Sports, and before that a front page editor for Yahoo. He has decades of experience in digital and print media, including stints as a copy desk chief, a wire editor and a metro editor for the McClatchy newspaper chain. Managing Editor + more With the debut of the Citi Strata Elite℠ Card in 2025, Citi also launched a new benefit called the “Splurge Credit.” The credit, which helps cover expenses with select merchants, is offered by the Citi® / AAdvantage® Globe™ Mastercard®, too, although the terms differ depending on which card you have. Here’s what you need to know about the Splurge Credit. Splurge Credit: What it is NerdWallet rating NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account the type of card being reviewed (such as cash back, travel or balance transfer) and the card's rates, fees, rewards and other features. If you have the Citi Strata Elite℠ Card, the credit is worth up to $200 per year and may be applied to purchases from up to two of the following brands: 1stDibs. This e-retailer specializes in vintage decor, art, jewelry and clothes. American Airlines. Best Buy. Future Personal Training. This company offers personal training subscriptions in which real fitness coaches create personalized workouts for users. Live Nation. » MORE: Citi Nights: What it is and how it works NerdWallet rating NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account the type of card being reviewed (such as cash back, travel or balance transfer) and the card's rates, fees, rewards and other features. The Splurge Credit on the Citi® / AAdvantage® Globe™ Mastercard® is worth up to $100 annually and may be applied to purchases from up to two of the following brands: 1stDibs. AAdvantage Hotels bookings. Future Personal Training. Live Nation. How to use the Splurge Credit To receive the splurge credit, you’ll first need to activate the merchants you plan to make a purchase from. Activation may be completed at citi.com/splurgecredit or over the phone by calling 1-833-888-2168. You can change your selections at any time. After an eligible purchase is made with an activated merchant, Citi will automatically issue the Splurge Credit up to the maximum allowed amount. Pay attention to the fine print to ensure that a purchase is eligible for the Splurge Credit: To qualify for the Live Nation credit: Purchases must be made directly on livenation.com or ticketmaster.com, and the event must occur within the United States or U.S. territories. To qualify for the American Airlines credit: Purchases must be made directly from American Airlines or American Airlines Vacations. Car rentals, hotel bookings and purchases of AAdvantage status boost or renewal are ineligible. » NEXT: The Reserve by Citi Travel: What it is and how it works Find the right credit card for you. Whether you want to pay less interest or earn more rewards, the right card's out there. Just answer a few questions and we'll narrow the search for you. More like this
