For those who’re seeking to earn transferable Citi ThankYou Rewards factors, Citi has three playing cards inside its Strata lineup with welcome gives. It is an awesome alternative to earn a big welcome bonus and diversify your factors, providing you with entry to useful switch companions.
The playing cards’ annual charges vary from $0 to $595. No matter your wants, the playing cards provide a variety of bonus-earning classes and advantages to assist elevate your journey.
Here is a rundown of the three Citi Strata bank cards and their present welcome gives.
Citi Strata Elite
The Citi Strata Elite℠ Card (see charges and charges) is the most recent to hitch the ranks of premium bank card heavyweights. It is nice for many who like reserving journey via an issuer’s journey portal, dine out on Friday and Saturday evenings, and are searching for American Airways perks.
Welcome provide: For a restricted time, earn 80,000 bonus factors after spending $4,000 within the first three months from account opening. Based mostly on TPG’s July 2025 valuations, the welcome provide is value $1,480. You’ll be able to earn a better welcome provide of 100,000 bonus factors with the identical spending necessities in the event you apply at a Citi department in individual.
Annual price: $595
Incomes charges:
- 12 factors per greenback spent on lodges, automobile leases and points of interest booked via the Citi Journey portal
- 6 factors per greenback spent on flights booked via the Citi Journey portal
- 6 factors per greenback spent at eating places, together with restaurant supply companies on CitiNights℠ purchases, each Friday and Saturday from 6 p.m. to six a.m. Japanese time
- 3 factors per greenback spent on restaurant purchases in any respect different instances
- 1.5 factors per greenback spent on all different purchases
Key advantages:
Day by day Publication
Reward your inbox with the TPG Day by day e-newsletter
Be a part of over 700,000 readers for breaking information, in-depth guides and unique offers from TPG’s specialists
- Lodge credit score: As much as $300 off one pay as you go lodge keep (minimal two-night reserving) when reserving via Citi Journey every calendar 12 months
- Splurge credit score: As much as $200 in annual credit along with your selection of two manufacturers: 1stDibs, American Airways, Greatest Purchase, Future Private Coaching and Dwell Nation
- International Entry/TSA PreCheck credit score: As much as a $120 credit score each 4 years for a International Entry or TSA PreCheck utility price
- Blacklane credit score: As much as $100 in biannual credit score (as much as $200 yearly) for Blacklane chauffeur bookings
- Lounge entry: Complimentary Precedence Move Choose lounge entry and 4 Admirals Membership passes yearly
Why we prefer it: General, this card is a good selection in the event you favor the benefit of reserving via an issuer’s journey portal. The lodge credit score can be utilized towards any pay as you go lodge reservation on Citi Journey. The Splurge credit score may be pretty simple to maximise as American Airways flights, lounge passes and ancillary charges are all eligible for the credit score.
Nonetheless, observe that Citi doesn’t have its personal lounge community, as its opponents do. And the boosted restaurant incomes fee is barely relevant on Friday and Saturday evenings.
Apply right here: Citi Strata Elite℠ Card
Citi Strata Premier
Typically flying below the radar, the Citi Strata Premier® Card (see charges and charges) is a wonderful mid-tier journey card due to a variety of bonus classes lacking from a lot of its opponents.
Welcome provide: Earn 60,000 bonus factors after spending $4,000 within the first three months from account opening. Based mostly on TPG’s July 2025 valuations, the welcome provide is value $1,110.
Annual price: $95
Incomes charges:
- 10 factors per greenback spent on lodges, automobile leases and points of interest booked via the Citi Journey portal
- 3 factors per greenback spent on electrical car charging, flights, fuel stations, lodges, eating places (together with takeout) and supermarkets
- 1 level per greenback spent on all different purchases
Why we prefer it: This card gives a powerful vary of bonus-earning classes for a $95 annual price, making it a wonderful selection for on a regular basis spending. It gives an annual $100 lodge credit score for lodge bookings of $500 or extra (excluding taxes and charges) made via the Citi Journey portal, which makes up for the annual price — so long as you employ it. As well as, you obtain journey protections for automobile rental protection; misplaced and broken baggage; and journey cancellation, delay and interruption.
To study extra, learn our full evaluate of the Citi Strata Premier.
Apply right here: Citi Strata Premier
Citi Strata
The Citi Strata℠ Card (see charges and charges) is the entry-level card inside the Strata lineup. Earlier than being rebranded, it was referred to as the Citi Rewards+® Card.
Welcome provide: For a restricted time, new cardholders can earn 30,000 bonus factors after spending $1,000 within the first three months from account opening. Based mostly on TPG’s July 2025 valuations, the welcome provide is value $555.
Annual price: None
The data for the Citi Rewards+ has been collected independently by The Factors Man. The cardboard particulars on this web page haven’t been reviewed or supplied by the cardboard issuer.
Incomes charges:
- 5 factors per greenback spent on lodges, automobile leases and points of interest booked on cititravel.com
- 3 factors per greenback spent at supermarkets
- 3 factors per greenback spent on choose transit, EV charging and fuel stations
- 3 factors per greenback spent on an eligible self-selected class every quarter (beauty shops/barber outlets/hair salons, health golf equipment, stay leisure, pet provide shops or choose streaming companies)
- 2 factors per greenback spent at eating places
- 1 level per greenback spent on all different purchases
Why we prefer it: The Citi Strata has spectacular incomes charges for a no-annual-fee card, particularly the quarterly self-selected class.
Apply right here: Citi Strata Card
Backside line
For those who’re seeking to earn Citi ThankYou factors, select a card from the Strata lineup to make the most of some welcome gives. It is a great way to earn a big welcome bonus — and for max worth, take into account transferring your factors to Citi’s airline or lodge companions.
Every card gives a powerful record of bonus-earning classes, so remember to choose a card that matches your on a regular basis bills and your journey wants.
Apply right here: Citi Strata Elite
Apply right here: Citi Strata Premier
Apply right here: Citi Strata
