When you’re seeking to earn transferable Citi ThankYou Rewards factors, Citi has three playing cards inside its Strata lineup with welcome gives. It is a terrific alternative to earn a big welcome bonus and diversify your factors, providing you with entry to precious 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.
This 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 affix 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 in search of 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 in case you apply at a Citi department in particular person.
Annual charge: $595
Incomes charges:
- 12 factors per greenback spent on motels, 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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- Lodge credit score: As much as $300 off one pay as you go resort 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 alternative of two manufacturers: 1stDibs, American Airways, Greatest Purchase, Future Private Coaching and Dwell Nation
- World Entry/TSA PreCheck credit score: As much as a $120 credit score each 4 years for a World Entry or TSA PreCheck utility charge
- 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 alternative in case you favor the convenience of reserving via an issuer’s journey portal. The resort credit score can be utilized towards any pay as you go resort 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, be aware 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 beneath the radar, the Citi Strata Premier® Card (see charges and charges) is a wonderful mid-tier journey card because of a variety of bonus classes lacking from a lot 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 charge: $95
Incomes charges:
- 10 factors per greenback spent on motels, automobile leases and sights booked via the Citi Journey portal
- 3 factors per greenback spent on electrical automobile charging, flights, fuel stations, motels, eating places (together with takeout) and supermarkets
- 1 level per greenback spent on all different purchases
Why we prefer it: This card gives a formidable vary of bonus-earning classes for a $95 annual charge, making it a wonderful alternative for on a regular basis spending. It gives an annual $100 resort credit score for resort bookings of $500 or extra (excluding taxes and charges) made via the Citi Journey portal, which makes up for the annual charge — 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 be taught 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 often 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 charge: 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 supplied by the cardboard issuer.
Incomes charges:
- 5 factors per greenback spent on motels, 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
When you’re seeking to earn Citi ThankYou factors, select a card from the Strata lineup to benefit from some welcome gives. It is a great way to earn a big welcome bonus — and for max worth, contemplate transferring your factors to Citi’s airline or resort companions.
Every card gives a formidable checklist of bonus-earning classes, so make 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
