正如彭博新闻社在 7 月 27 日发布的一篇报道中指出的那样，花旗的 Strata Elite 计划与美国运通(Amex) 和摩根大通等银行展开竞争，瞄准的是喜欢旅游和精致餐饮的大额消费者。
该公司表示，该卡年费为595 美元，每年 可享受的福利总额接近 1,500 美元，包括酒店、汽车租赁和体验等方面的优惠。
报道还称，除了美国运通和摩根大通之外，花旗银行还将与其他银行竞争，争取那些愿意支付年费以换取旅行和酒店优惠的客户。
花旗集团美国品牌信用卡和贷款业务主管 Pam Habner 向彭博社表示： “竞争一直非常激烈，竞争让我们都变得更好。”
报告指出，595美元的年费（每位授权用户 每年需支付75美元）比摩根大通的蓝宝石储备卡（Sapphire Reserve）便宜。摩根大通上个月宣布，蓝宝石储备卡的年费将从550美元升至795美元。
除了与花旗集团相关的福利之外，Strata Elite 卡是万事达卡新推出的 World Legend系列卡中的第一张卡，这意味着它将提供额外的福利，例如可以加入万事达卡系列，该系列提供机票预售和更快的机场安检通道等福利。
Habner表示：“我们设计的福利是我们知道客户可以使用的。”他补充说，这张卡是为了奖励客户的消费类型，而不是给他们在特定公司使用的优惠券式奖励。
新卡推出之际，银行正加大力度吸引高收入消费者，同时加大低收入借款人获得信用卡资格的难度。
《华尔街日报》最近的一份报告发现，第二季度新卡开户数量一年来首次下降，同比下降了 5% 。
该报告还指出，贷款机构越来越多地将促销目标瞄准高收入消费者，同时收紧新卡的标准。
PYMNTS Intelligence 的研究发现，次级借款人表示有兴趣获得新信用卡的可能性几乎是信用评分最高的消费者的四倍。
次级消费者（信用评分低于 620 的人）倾向于使用这些卡来支付基本开支。这部分是因为他们希望提高信用评分，同时也确保能够支付食品杂货等费用。
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