In the event you’re trying to earn transferable Citi ThankYou Rewards factors, Citi has three playing cards inside its Strata lineup with welcome presents. It is an excellent 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 presents.
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 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 accommodations, automotive 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 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 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 resort keep (minimal two-night reserving) when reserving via Citi Journey every calendar yr
- Splurge credit score: As much as $200 in annual credit along with your alternative of two manufacturers: 1stDibs, American Airways, Greatest Purchase, Future Private Coaching and Reside Nation
- World Entry/TSA PreCheck credit score: As much as a $120 credit score each 4 years for a World Entry or TSA PreCheck software 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 Go Choose lounge entry and 4 Admirals Membership passes yearly
Why we prefer it: Total, this card is a good alternative if you happen to 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 may be pretty simple to maximise as American Airways flights, lounge passes and ancillary charges are all eligible for the credit score.
Nevertheless, notice that Citi doesn’t have its personal lounge community, as its opponents do. And the boosted restaurant incomes charge is just relevant on Friday and Saturday evenings.
Apply right here: Citi Strata Elite℠ Card
Citi Strata Premier
Usually flying underneath 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 lots of its opponents.
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 accommodations, automotive leases and sights booked via the Citi Journey portal
- 3 factors per greenback spent on electrical automobile charging, flights, gasoline stations, accommodations, eating places (together with takeout) and supermarkets
- 1 level per greenback spent on all different purchases
Why we prefer it: This card presents a formidable vary of bonus-earning classes for a $95 annual payment, making it a wonderful alternative for on a regular basis spending. It presents 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 payment — so long as you utilize it. As well as, you obtain journey protections for automotive rental protection; misplaced and broken baggage; and journey cancellation, delay and interruption.
To study 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 charges) is the entry-level card throughout the Strata lineup. Earlier than being rebranded, it was referred to 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 supplied by the cardboard issuer.
Incomes charges:
- 5 factors per greenback spent on accommodations, automotive 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 gasoline 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 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
In the event you’re trying to earn Citi ThankYou factors, select a card from the Strata lineup to reap the benefits of some welcome presents. 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 presents a formidable 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
