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.
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
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.
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.
Vacation more, spend less. Subscribe to our free newsletter for inspiration, tips, and money-saving strategies – delivered straight to your inbox.
By signing up, you will receive newsletters and promotional content and agree to our Terms of Use and acknowledge the data practices in our Privacy Policy. You may unsubscribe at any time.
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.
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.