Protections — Atmos Summit Visa Infinite vs Citi Strata Elite

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