Citi Strata Elite: What are the World Legend Mastercard benefits?
Editor's Note
Citi finally launched a premium rewards card, the Citi Strata Elite℠ Card (see rates and fees), which offers premium perks, bonus-earning rates on select categories and other noteworthy benefits.
Plus, this card is the world’s first World Legend Mastercard, a new premium tier above World Elite Mastercard that offers exclusive dining, lifestyle and travel perks. As the payment network, Mastercard has taken this opportunity to challenge its long-standing rival, Visa.
Let's review what World Legend Mastercard benefits are and how cardholders of the Citi Strata Elite can maximize them.
What is World Legend Mastercard?
World Legend Mastercard is the newest category to be added as part of the Mastercard collection. The tiers in order of lowest to highest are as follows:
- World Mastercard
- World Elite Mastercard
- World Legend Mastercard
World Elite Mastercard is the most known within the marketplace and includes cards such as the Citi Strata Premier® Card (see rates and fees) and the Chase Freedom Flex® (see rates and fees).
The new World Legend Mastercard program competes with Visa Infinite by giving cardholders access to memberships, perks and even statement credits. At the moment, the Citi Strata Elite is the only World Legend Mastercard, but we wouldn't be surprised to see the portfolio grow in the coming years.
Related: Comparing Visa Signature and World Elite Mastercard benefits
What are the World Legend Mastercard benefits?
World Legend Mastercard benefits can be split into two categories: partner benefits and Mastercard benefits. To maximize partner benefits, you must enroll with a merchant, add your card to your account with a merchant or spend on the Citi Strata Elite card.
Mastercard benefits are offered by the network and can include Mastercard services or offers in collaboration with a partner.
World Legend Mastercard partner benefits
Alo Moves
Cardholders receive membership discounts and other perks with Alo. Receive up to 50% off an Alo Moves membership; upon signing up, you'll also get 300 bonus points in Alo Access, Alo's loyalty program. You'll also receive a one-time 20% discount on Alo gear and wellness products. Offer expires Sept. 30, 2025.
If you purchase athletic wear and participate in online wellness classes, this is a good way to save on some of those costs. Otherwise, this perk is not as useful, adding no additional value for Citi Strata Elite cardholders.
Booking.com discount
As a World Legend Mastercard cardholder, you'll get up to 7% off prepaid stays on Booking.com. Offer ends Sept. 30, 2025. Although it's not a major perk, saving money on your next accommodation can be useful. To take advantage of this benefit, simply pay with your card at checkout.
Just remember, booking with an online travel agency has pros and cons; the major cons are sacrificing elite benefits and missing out on elite-qualifying nights and points on paid stays.
Related: Why you don’t earn hotel points when booking through online travel agencies
HealthLock
Cardholders can enroll in HealthLock for Mastercard Medical Claim Monitor for a complimentary membership and also receive a 90-day upgrade to all HealthLock services at no monthly cost. To activate your membership, visit the HealthLock website and enter your Citi Strata Elite card number.
Instacart+ and statement credit
Cardholders get a free three-month trial of Instacart+ with a new subscription and $10 off their second eligible Instacart purchase each month. Offer ends Jan. 31, 2027.
Instacart+ costs $9.99 per month, so the three-month trial saves you about $30. If you maximize the benefit of $10 off a second order each month, you can save $120 a year in groceries.
Several cobranded Chase cards also provide the same three-month trial membership and $10 credit, so this offer isn't unique to the World Legend Mastercard.
Lyft credit
Cardholders earn a $5 credit with Lyft after completing three rides in a month. You also benefit from a 10% discount on all scheduled rides to U.S. airports, but you must pay with your Citi Strata Elite card. Offer ends Jan. 31, 2026.
World Elite Mastercards also offer this perk, so it's not unique to Citi Strata Elite cardholders. It's definitely not a make-it-or-break-it benefit for prospective cardholders.
Compared to other cards like the Chase Sapphire Reserve® (see rates and fees), which offers a $10 Lyft credit per month (through Sept. 30, 2027), this World Legend Mastercard credit requires more spending and effort to use.
Mastercard transit benefit
With a World Legend Mastercard, you can save money when you tap and go at participating transit locations. Receive a $2.50 statement credit after spending $10 or more each month. Participating transit agencies include:
- Boston: Massachusetts Bay Transportation Authority
- Chicago: Chicago Transit Authority and Pace Suburban Bus
- Dallas: Dallas Area Rapid Transit
- Miami-Dade County, Florida: Miami-Dade County Department of Transportation and Public Works
- New York/New Jersey: Port Authority Trans-Hudson and New Jersey Transit Corporation
- Philadelphia: Southeastern Pennsylvania Transportation Authority
- Washington, D.C.: Washington Metropolitan Area Transit Authority
To be eligible, you must make a contactless payment at the point of entry, and you can receive the benefit if you spend $10 a month across the various eligible cities and their transit systems. Interestingly, it's missing some notable transit systems, such as Bay Area Rapid Transit in San Francisco and the surrounding area.
Related: The best credit cards for your commuting expenses
Peacock subscription credit
A valuable perk for Citi Strata Elite cardholders is the Peacock subscription credit. World Legend Mastercard provides $5 off Peacock Premium Plus or $3 off Peacock Premium each month. Offer ends Dec. 31, 2025.
A Peacock Premium Plus subscription costs $16.99 (plus tax) per month, and the $5 statement credit reduces the monthly cost to $11.99. Meanwhile, a Peacock Premium subscription costs $10.99 (plus tax) per month, and cardholders get a $3 statement credit, reducing their monthly cost to $7.99. If you're already paying for Peacock, it's great that this will cover some of the cost.
Unfortunately, the credit falls short of competitors' offers of statement credits to cover the entire cost of streaming or entertainment subscriptions.
Related: How to use the Amex Platinum digital entertainment credit
Priority Pass membership
Premium credit cards offering lounge access are the norm nowadays. With World Legend Mastercard, primary cardholders and authorized users both receive complimentary access to Priority Pass lounges, and they can bring up to two guests.
In addition to lounge access, cardholders also receive special offers and discounts on dining, retail and spa experiences within airport terminals. It would've been competitive for World Legend Mastercard to include restaurant access at airport terminals to set it apart from Visa Infinite; however, it missed the mark.
Remember, Citi Strata Elite cardholders also get four Admirals Club passes each calendar year, a unique perk of the card.
ResortPass
If you're interested in experiencing a hotel and its amenities, like a spa, ResortPass is a great perk. It offers access to resorts, pools or water parks at many destinations, and a wide range of property options. You can earn a $30 statement credit on your next ResortPass booking of $200 or more when using your eligible card. Offer ends Sept. 30, 2025.
Looking to experience another hotel's amenities while on vacation or during a cruise stop? ResortPass can be a fun way to enjoy a property without paying for a night's stay. However, for most, spending $200 on a ResortPass may not be worthwhile, and they would rather opt to pay a little more for a night's stay instead.
Soho Friends membership
Soho Friends is a travel and lifestyle program from Soho House, a private membership club with locations worldwide. Soho House operates clubs, hotels, restaurants and other venues. World Legend Mastercard cardholders receive a complimentary year of Soho Friends. Offer ends Dec. 31, 2027. This gives cardholders the ability to stay in all Soho House bedrooms worldwide.
Enjoy perks like 15% off the room rate, 12 p.m. checkout, and upgrades on stays of three nights or more (subject to availability upon arrival). You also receive 15% off full-priced products and an additional 20% off discounted products at Soho Home.
One of the best perks is the ability to access Soho House when staying in a bedroom. This is an amazing and underrated perk because memberships to Soho House can be difficult to attain due to its lengthy application and interview process, not to mention long waitlists.
Among the list of World Legend Mastercard benefits, I would put this as the best perk that World Legend has to offer to Citi Strata Elite cardholders.
To enroll, visit the website.
Related: Exclusive: Soho House’s founder and CEO reveals major North American expansion plans
World Legend Mastercard direct benefits
The following benefits are provided directly by Mastercard to Strata Elite cardholders.
- Global emergency services: Call 1-800-MASTERCARD (1-800-627-8372) for 24/7 assistance to report a lost or stolen card.
- Mastercard Concierge: This is a complimentary 24/7 concierge service similar to a personal assistant. It is perfect for reserving tables at sought-after restaurants, locating hard-to-secure items, booking curated experiences and more.
- Mastercard Golf: Access to PGA Tour experiences and golf benefits with Mastercard's golf concierge service.
- Mastercard ID Theft Protection: Monitor your credit report for fraud and receive alerts for suspicious activity.
- Mastercard Travel Rewards: An international program that provides cash-back rewards across 25 countries when shopping at various well-known brands. You can earn rewards at participating businesses, like restaurants and entertainment venues, while traveling and online.
- Mastercard Zero Liability: Provides protection against unauthorized use of your World Legend Mastercard.
- Priceless experiences: Exclusive in-person and digital experiences in culture, dining, sports, entertainment and more around the world for World Legend Mastercard cardholders.
One of the best perks from Mastercard is access to Priceless experiences. If access to restaurants and events is important to you, this is a benefit to take advantage of. You'll get priority reservations at thousands of the most popular restaurants; ticketing access to music, theater and sporting events; and more. Mastercard's access to presale and preferred tickets to music and entertainment events is only valid until March 31, 2027.
Bottom line
The Citi Strata Elite is the world's first card to debut Mastercard’s new World Legend tier. It comes with decent perks like Priority Pass and access to Mastercard’s Priceless experiences. It also offers exclusive benefits like a free Soho Friends membership. That said, some of the program's benefits are no different from those found on a World Elite Mastercard.
Just keep in mind that most benefits have an end date or a limited time to apply, so be sure to start taking advantage right away after applying for the Citi Strata Elite card.
Related: Citi Strata Elite review: Unique statement credits and Admirals Club access
TPG featured card
Rewards
| 4X | Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year. |
| 4X | Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year. |
| 3X | Earn 3X Membership Rewards® points per dollar spent on flights booked directly with airlines or on AmexTravel.com. |
| 2X | Earn 2X Membership Rewards® points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com. |
| 1X | Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases. |
Intro offer
Annual Fee
Recommended Credit
Why We Chose It
There’s a lot to love about the Amex Gold. It’s a fan favorite thanks to its fantastic bonus-earning rates at restaurants worldwide and at U.S. supermarkets. If you’re hitting the skies soon, you’ll also earn bonus Membership Rewards points on travel. Paired with up to $120 in Uber Cash annually (for U.S. Uber rides or Uber Eats orders, card must be added to Uber app and you can redeem with any Amex card), up to $120 in annual dining statement credits to be used with eligible partners, an up to $84 Dunkin’ credit each year at U.S. Dunkin Donuts and an up to $100 Resy credit annually, there’s no reason that foodies shouldn’t add the Amex Gold to their wallet. These benefits alone are worth more than $400, which offsets the $325 annual fee on the Amex Gold card. Enrollment is required for select benefits. (Partner offer)Pros
- 4 points per dollar spent on dining at restaurants worldwide and U.S. supermarkets (on the first $50,000 in purchases per calendar year; then 1 point per dollar spent thereafter and $25,000 in purchases per calendar year; then 1 point per dollar spent thereafter, respectively)
- 3 points per dollar spent on flights booked directly with the airline or with amextravel.com
- Packed with credits foodies will enjoy
- Solid welcome bonus
Cons
- Not as useful for those living outside the U.S.
- Some may have trouble using Uber and other dining credits
- You may be eligible for as high as 100,000 Membership Rewards® Points after you spend $6,000 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 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.
- Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.
- Earn 3X Membership Rewards® points per dollar spent on flights booked directly with airlines or on AmexTravel.com.
- Earn 2X Membership Rewards® points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com.
- Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases.
- $120 Uber Cash on Gold: Add your Gold Card to your Uber account and get $10 in Uber Cash each month to use on orders and rides in the U.S. when you select an American Express Card for your transaction. That’s up to $120 Uber Cash annually. Plus, after using your Uber Cash, use your Card to earn 4X Membership Rewards® points for Uber Eats purchases made with restaurants or U.S. supermarkets. Point caps and terms apply.
- $84 Dunkin' Credit: With the $84 Dunkin' Credit, you can earn up to $7 in monthly statement credits after you enroll and pay with the American Express® Gold Card at U.S. Dunkin' locations. Enrollment is required to receive this benefit.
- $100 Resy Credit: Get up to $100 in statement credits each calendar year after you pay with the American Express® Gold Card to dine at U.S. Resy restaurants or make other eligible Resy purchases. That's up to $50 in statement credits semi-annually. Enrollment required.
- $120 Dining Credit: Satisfy your cravings, sweet or savory, with the $120 Dining Credit. Earn up to $10 in statement credits monthly when you pay with the American Express® Gold Card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, and Five Guys. Enrollment required.
- Explore over 1,000 upscale hotels worldwide with The Hotel Collection and receive a $100 credit towards eligible charges* with every booking of two nights or more through AmexTravel.com. *Eligible charges vary by property.
- No Foreign Transaction Fees.
- Annual Fee is $325.
- Terms Apply.
Rewards Rate
| 4X | Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year. |
| 4X | Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year. |
| 3X | Earn 3X Membership Rewards® points per dollar spent on flights booked directly with airlines or on AmexTravel.com. |
| 2X | Earn 2X Membership Rewards® points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com. |
| 1X | Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases. |
Intro Offer
You may be eligible for as high as 100,000 Membership Rewards® Points after spending $6,000 in eligible purchases on your new Card in your first 6 months of Membership. Welcome offers vary and you may not be eligible for an offer.As High As 100,000 points. Find Out Your Offer.Annual Fee
$325Recommended Credit
Credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.Excellent to Good
Why We Chose It
There’s a lot to love about the Amex Gold. It’s a fan favorite thanks to its fantastic bonus-earning rates at restaurants worldwide and at U.S. supermarkets. If you’re hitting the skies soon, you’ll also earn bonus Membership Rewards points on travel. Paired with up to $120 in Uber Cash annually (for U.S. Uber rides or Uber Eats orders, card must be added to Uber app and you can redeem with any Amex card), up to $120 in annual dining statement credits to be used with eligible partners, an up to $84 Dunkin’ credit each year at U.S. Dunkin Donuts and an up to $100 Resy credit annually, there’s no reason that foodies shouldn’t add the Amex Gold to their wallet. These benefits alone are worth more than $400, which offsets the $325 annual fee on the Amex Gold card. Enrollment is required for select benefits. (Partner offer)Pros
- 4 points per dollar spent on dining at restaurants worldwide and U.S. supermarkets (on the first $50,000 in purchases per calendar year; then 1 point per dollar spent thereafter and $25,000 in purchases per calendar year; then 1 point per dollar spent thereafter, respectively)
- 3 points per dollar spent on flights booked directly with the airline or with amextravel.com
- Packed with credits foodies will enjoy
- Solid welcome bonus
Cons
- Not as useful for those living outside the U.S.
- Some may have trouble using Uber and other dining credits
- You may be eligible for as high as 100,000 Membership Rewards® Points after you spend $6,000 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 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.
- Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.
- Earn 3X Membership Rewards® points per dollar spent on flights booked directly with airlines or on AmexTravel.com.
- Earn 2X Membership Rewards® points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com.
- Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases.
- $120 Uber Cash on Gold: Add your Gold Card to your Uber account and get $10 in Uber Cash each month to use on orders and rides in the U.S. when you select an American Express Card for your transaction. That’s up to $120 Uber Cash annually. Plus, after using your Uber Cash, use your Card to earn 4X Membership Rewards® points for Uber Eats purchases made with restaurants or U.S. supermarkets. Point caps and terms apply.
- $84 Dunkin' Credit: With the $84 Dunkin' Credit, you can earn up to $7 in monthly statement credits after you enroll and pay with the American Express® Gold Card at U.S. Dunkin' locations. Enrollment is required to receive this benefit.
- $100 Resy Credit: Get up to $100 in statement credits each calendar year after you pay with the American Express® Gold Card to dine at U.S. Resy restaurants or make other eligible Resy purchases. That's up to $50 in statement credits semi-annually. Enrollment required.
- $120 Dining Credit: Satisfy your cravings, sweet or savory, with the $120 Dining Credit. Earn up to $10 in statement credits monthly when you pay with the American Express® Gold Card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, and Five Guys. Enrollment required.
- Explore over 1,000 upscale hotels worldwide with The Hotel Collection and receive a $100 credit towards eligible charges* with every booking of two nights or more through AmexTravel.com. *Eligible charges vary by property.
- No Foreign Transaction Fees.
- Annual Fee is $325.
- Terms Apply.