Citi Strata Premier Rental Car Coverage: Actual Cash Value or repair cost, whichever is less Secondary CDW

Quick Answer

secondary Collision Damage Waiver: Actual Cash Value or repair cost, whichever is less
Maximum Rental Duration: 31 days
Loss of Use Coverage: Included

Planning a trip or rental? Your Citi Strata Premier already includes rental car coverage — here's how to make the most of it. We'll show you what's covered, what's not, and how to claim confidently.

The Strata Premier's rental car coverage is secondary in the US — your personal auto insurance handles the claim first, and Citi covers the remainder. But here's where it gets interesting: outside the US, the coverage may function as primary, meaning Citi pays first without involving your personal insurer. This is worth verifying against your specific benefits guide, because Citi's language is less definitive than Capital One or Amex on this point. The coverage pays the lesser of the actual repair cost or the cash value of the vehicle, with a 31-day maximum rental period. There's also a loss-of-use benefit up to $500 — that's the daily fee some rental companies charge while the car is out of service being repaired. Many cardholders don't realize this is a separate charge that can add up quickly after an accident. As always, decline the rental agency's CDW at the counter to activate your card's coverage. Claims go through 1-800-842-6596.

How It Compares

Feature	This Card
secondary Collision Damage Waiver	Actual Cash Value or repair cost, whichever is less
Maximum Rental Duration	31 days
Loss of Use Coverage	Included
Towing & Roadside Assistance	Included

See our complete guide to filing rental car claims for step-by-step help.

Related Guides

Source & Official Terms: View official benefit terms and conditions

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