In case you’re trying to earn transferable Citi ThankYou Rewards factors, Citi has three playing cards inside its Strata lineup with welcome provides. It is an incredible alternative to earn a big welcome bonus and diversify your factors, supplying you with entry to invaluable switch companions.
The playing cards’ annual charges vary from $0 to $595. No matter your wants, the playing cards supply 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 provides.
Citi Strata Elite
The Citi Strata Elite℠ Card (see charges and costs) is the newest to hitch the ranks of premium bank card heavyweights. It is nice for individuals who like reserving journey via an issuer’s journey portal, dine out on Friday and Saturday evenings, and are on the lookout for American Airways perks.
Welcome supply: 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 supply is price $1,480. You possibly can earn the next welcome supply of 100,000 bonus factors with the identical spending necessities if you happen to apply at a Citi department in individual.
Annual payment: $595
Incomes charges:
- 12 factors per greenback spent on inns, automobile leases and sights 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 providers 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 occasions
- 1.5 factors per greenback spent on all different purchases
Key advantages:
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- Resort 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 together with your selection of two manufacturers: 1stDibs, American Airways, Finest Purchase, Future Private Coaching and Stay 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 payment
- 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 if you happen to desire the convenience 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 might be pretty straightforward to maximise as American Airways flights, lounge passes and ancillary charges are all eligible for the credit score.
Nevertheless, observe that Citi doesn’t have its personal lounge community, as its rivals do. And the boosted restaurant incomes price is simply relevant on Friday and Saturday evenings.
Apply right here: Citi Strata Elite℠ Card
Citi Strata Premier
Typically flying underneath the radar, the Citi Strata Premier® Card (see charges and costs) is a superb mid-tier journey card because of a variety of bonus classes lacking from lots of its rivals.
Welcome supply: 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 supply is price $1,110.
Annual payment: $95
Incomes charges:
- 10 factors per greenback spent on inns, automobile leases and sights booked via the Citi Journey portal
- 3 factors per greenback spent on electrical car charging, flights, fuel stations, inns, eating places (together with takeout) and supermarkets
- 1 level per greenback spent on all different purchases
Why we prefer it: This card provides a formidable vary of bonus-earning classes for a $95 annual payment, making it a superb selection for on a regular basis spending. It provides an annual $100 lodge credit score for lodge bookings of $500 or extra (excluding taxes and costs) made via the Citi Journey portal, which makes up for the annual payment — so long as you utilize it. As well as, you obtain journey protections for automobile rental protection; misplaced and broken baggage; and journey cancellation, delay and interruption.
To be taught extra, learn our full evaluation of the Citi Strata Premier.
Apply right here: Citi Strata Premier
Citi Strata
The Citi Strata℠ Card (see charges and costs) is the entry-level card inside the Strata lineup. Earlier than being rebranded, it was generally known as the Citi Rewards+® Card.
Welcome supply: 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 supply is price $555.
Annual payment: None
The knowledge for the Citi Rewards+ has been collected independently by The Factors Man. The cardboard particulars on this web page haven’t been reviewed or offered by the cardboard issuer.
Incomes charges:
- 5 factors per greenback spent on inns, automobile leases and sights 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, reside leisure, pet provide shops or choose streaming providers)
- 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
In case you’re trying to earn Citi ThankYou factors, select a card from the Strata lineup to make the most of some welcome provides. 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 provides a formidable checklist of bonus-earning classes, so be sure you 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