Protections — Citi Strata Elite vs Sapphire Preferred

rental cdw — Secondary in country of residence, primary outside; covers rental car actual cash value for up to 31 days; includes up to 2 tows and loss-of-use charges (up to $500 max) ✓Verified by source

trip cancellation — Up to $5,000/covered trip, $10,000/account per 12 months; must be round-trip charged to card ✓Verified by source

trip delay — Up to $500/trip when delayed 6+ hours; covers meals, lodging, toiletries; max 2 claims per account per 12 months ✓Verified by source

baggage — Up to $5,000/trip for lost/damaged checked or carry-on luggage ($2,000/trip for NY residents); electronics and jewelry excluded ✓Verified by source

purchase protection — Up to $10,000/claim, $50,000/year; covers damage or theft for 120 days after purchase ✓Verified by source

extended warranty — Adds 24 months to manufacturer's warranty (original ≤24 months); max $10,000/item ✓Verified by source

rental cdw — Primary, up to $60,000 ≈Inferred by source

trip cancellation — Up to $10,000/person ≈Inferred by source

trip delay — Up to $500/ticket (>12 hrs) ≈Inferred by source

baggage — Up to $3,000/passenger ≈Inferred by source

emergency evacuation — Up to $100,000 (100+ miles from home) ≈Inferred by source

travel accident — Up to $500,000 accidental death and dismemberment on common carriers ✓Verified by source

purchase protection — Up to $500/item against damage or theft for 120 days from purchase (90 days for NY residents); up to $20,000/account ✓Verified by source

extended warranty — Extends manufacturer's US warranty by 1 additional year on eligible warranties of 3 years or less (up to 4 years total); up to $10,000/item, $50,000/account ✓Verified by source