Looking to rack up some transferable Citi Thank You Rewards Points? Citi offers three cards in the Strata series—each sporting a welcome bonus. This is a solid chance to land some attractive bonuses, mix up your point collection, and tap into valuable transfer options.
Annual fees for these cards range from $0 to $595. Depending on what you need, there’s a diverse selection of bonus categories and perks designed to enhance your travel experiences.
Here’s a quick summary of the three Citi Strata credit cards currently available:
Citi Strata Elite
The Citi Strata Elite Card has recently made waves in the premium credit card landscape. It’s perfect for frequent travelers, especially those dining out on weekends or seeking perks with American Airlines.
Welcome offer: For a limited time, earn 80,000 bonus points by spending $4,000 in the first three months. According to a July 2025 evaluation, this offer could be worth around $1,480. If you apply in person at a Citi branch, a higher welcome bonus of 100,000 points is available under the same spending requirements.
Annual fee: $595
- Earn 12 points on hotels, rentals, and attractions booked via the Citi Travel Portal
- 6 points per dollar on flights booked through the portal
- 6 points per dollar at restaurants—including delivery services—on Friday and Saturday evenings
- 3 points per dollar on general restaurant purchases anytime
- 1.5 points on all other spending
Key benefits:
- Hotel Credits: Up to $300 on prepaid hotel stays of at least 2 nights booked through Citi Travel every calendar year
- Spilled Credits: Up to $200 annually on selected brands like 1stdibs, American Airlines, and others
- Global Entry/TSA Precheck Credits: Up to $120 every four years for application fees
- Black Lane Credits: Up to $100 (for two credits) on chauffeur bookings, up to $200 a year
- Lounge Access: Four annual Admiral Club Passes
Why we like it: This card is ideal if booking through the issuer’s travel portal suits you. Hotel credits can significantly reduce accommodation costs, and you can easily maximize splash credits with eligible flights and lounge access. Yet, it’s worth noting that Citi doesn’t have its own lounge network, unlike some rivals. Plus, the elevated restaurant rewards only apply on weekends.
Citi Strata Premier
The Citi Strata Premier Card often flies under the radar, positioning itself as a solid mid-tier travel card thanks to its broad spectrum of bonus categories.
Welcome offer: After spending $4,000 within the first three months, new cardholders will earn 60,000 points, which the July 2025 ratings estimate at about $1,110.
Annual fee: $95
- 10 points per dollar on hotels, rentals, and attractions via the Citi Travel Portal
- 3 points on electric vehicle charging, flights, gas, hotels, restaurants (including takeout), and supermarkets
- 1 point on all other purchases
Why we like it: With an impressive array of bonus categories and an annual fee under $100, it’s a great fit for daily spending. Plus, there are hotel credits and travel protection available, covering everything from car rentals to trip cancellations.
Citi Strata
The Citi Strata Card, previously branded as the Citi Rewards+® card, serves as an entry-level option within the Strata range.
Welcome offer: New cardholders can earn 30,000 bonus points after spending $1,000 in the first three months, currently valued around $555.
Annual fee: None
- 5 points per dollar on hotels, rentals, and attractions booked through CitiTravel.com
- 3 points per dollar spent at supermarkets
- 3 points on selected transit, EV charging, and gas stations
- 3 points on specific quarterly purchases (like cosmetics, fitness clubs, and more)
- 2 points at restaurants
- 1 point on all other purchases
Why we like it: The Citi Strata Card boasts an appealing return rate for an entry-level card, especially in the quarterly categories.
Conclusion
If earning Citi’s Thank You Points appeals to you, picking a card from the Strata lineup is a wise move, particularly to snag a solid welcome bonus. Transferring points to airline or hotel partners can maximize your value.
Each card presents a unique blend of bonus categories, so opt for one that aligns with your spending and travel habits.
