{"id":149030,"date":"2025-12-23T18:10:01","date_gmt":"2025-12-23T18:10:01","guid":{"rendered":"https:\/\/awardwallet.com\/blog\/?p=149030"},"modified":"2026-04-08T14:30:40","modified_gmt":"2026-04-08T14:30:40","slug":"how-to-earn-citi-points","status":"publish","type":"post","link":"https:\/\/awardwallet.com\/credit-cards\/citi-thankyou-rewards\/how-to-earn-citi-points\/","title":{"rendered":"How to Earn Citi ThankYou Points: Cards, Categories, and Strategies"},"content":{"rendered":"<p>The points and miles world is full of different currencies. Some belong to banks, while others belong to specific loyalty programs. Some points are locked into one system, while others can be moved between partners. But one thing is clear: <a target=\"_blank\" href=\"https:\/\/awardwallet.com\/travel\/types-of-rewards-points\/\" rel=\"noopener\">transferable points<\/a>\u00a0give you the most flexibility.<\/p>\n<p>Citi ThankYou<sup>\u00ae<\/sup> points, which are part of the <a target=\"_blank\" href=\"https:\/\/awardwallet.com\/credit-cards\/citi-thankyou-rewards\/\" rel=\"noopener\">Citi ThankYou Rewards<\/a> program, are a great choice when it comes to transferable points. There are multiple ways to earn them and many ways to use them. Let's go over all of your options.<\/p>\n<div id=\"toc_container\" class=\"toc_light_blue no_bullets\"><p class=\"toc_title\">Page Contents<\/p><ul class=\"toc_list\"><li><a href=\"#Understanding_How_Citi_ThankYou_Points_Work\">Understanding How Citi ThankYou Points Work<\/a><ul><li><a href=\"#What_are_Citi_ThankYou_points\">What are Citi ThankYou points?<\/a><\/li><li><a href=\"#How_the_Citi_ThankYou_points_system_works\">How the Citi ThankYou points system works<\/a><\/li><\/ul><\/li><li><a href=\"#Available_Cards_That_Earn_Citi_ThankYou_Points\">Available Cards That Earn Citi ThankYou Points<\/a><ul><li><a href=\"#Citi_Strata_Card\">Citi Strata\u2120 Card<\/a><\/li><li><a href=\"#Citi_Strata_Premier_Card\">Citi Strata Premier<sup>\u00ae<\/sup> Card<\/a><\/li><li><a href=\"#Citi_Strata_Elite_Card\">Citi Strata Elite\u2120 Card<\/a><\/li><li><a href=\"#Citi_Custom_Cash_Card\">Citi Custom Cash<sup>\u00ae<\/sup> Card<\/a><\/li><li><a href=\"#Citi_Double_Cash_Card\">Citi Double Cash<sup>\u00ae<\/sup> Card<\/a><\/li><li><a href=\"#ATT_Points_Plus_Card\">AT&T Points Plus<sup>\u00ae<\/sup> Card<\/a><\/li><\/ul><\/li><li><a href=\"#Cards_That_Are_No_Longer_Available_to_New_Applicants\">Cards That Are No Longer Available to New Applicants<\/a><ul><li><a href=\"#ATT_Access_Card_from_Citi\">AT&T Access Card from Citi<\/a><\/li><li><a href=\"#Citi_Prestige_Card\">Citi Prestige Card<\/a><\/li><li><a href=\"#Citi_ThankYou_Preferred_Card\">Citi ThankYou<sup>\u00ae<\/sup> Preferred Card<\/a><\/li><li><a href=\"#Citi_ThankYou_Mastercard_formerly_Sears_Mastercard_with_ThankYou_Rewards\">Citi ThankYou<sup>\u00ae<\/sup> Mastercard<sup>\u00ae<\/sup> formerly Sears Mastercard<sup>\u00ae<\/sup> with ThankYou<sup>\u00ae<\/sup> Rewards<\/a><\/li><\/ul><\/li><li><a href=\"#Other_Strategies_To_Earn_More_Citi_ThankYou_Rewards_Points\">Other Strategies To Earn More Citi ThankYou Rewards Points<\/a><ul><li><a href=\"#Increasing_earnings_through_Citi_bonus_categories\">Increasing earnings through Citi bonus categories<\/a><\/li><\/ul><\/li><li><a href=\"#Ways_to_Redeem_ThankYou_Points\">Ways to Redeem ThankYou Points<\/a><ul><li><a href=\"#Transfer_points\">Transfer points<\/a><\/li><li><a href=\"#Travel_rewards\">Travel rewards<\/a><\/li><li><a href=\"#Gift_cards_shopping_and_other_merchandise\">Gift cards, shopping, and other merchandise<\/a><\/li><li><a href=\"#Other_options\">Other options<\/a><\/li><\/ul><\/li><li><a href=\"#Final_Thoughts\">Final Thoughts<\/a><\/li><\/ul><\/div>\n\n<h2><span id=\"Understanding_How_Citi_ThankYou_Points_Work\"><strong>Understanding How Citi ThankYou Points Work<\/strong><\/span><\/h2>\n<p>The fastest way to earn Citi ThankYou points is by opening and spending on a Citi credit card. There are currently six ThankYou points-earning cards available to new applicants. There are also four cards that are no longer available to new applicants, but still earn ThankYou points if you already hold them.<\/p>\n<h3><span id=\"What_are_Citi_ThankYou_points\"><strong>What are Citi ThankYou points?<\/strong><\/span><\/h3>\n<p>Like other <a target=\"_blank\" href=\"https:\/\/awardwallet.com\/credit-cards\/best-flexible-rewards-points-travel\/\" rel=\"noopener\">flexible credit card points<\/a>, Citi ThankYou points are earned by opening new cards and spending on them. They function like currency and can be used in various ways. You can book travel directly in the <a target=\"_blank\" href=\"https:\/\/awardwallet.com\/credit-cards\/travel-portal-price-comparison\/\" rel=\"noopener\">Citi Travel\u2120 Portal<\/a>, transfer them to <a target=\"_blank\" href=\"https:\/\/awardwallet.com\/credit-cards\/citi-thankyou-rewards\/citi-transfer-partners\/\" rel=\"noopener\">Citi travel partners<\/a>, cash them out for a statement credit, buy gift cards, shop at online retailers, and more.<\/p>\n<h3><span id=\"How_the_Citi_ThankYou_points_system_works\"><strong>How the Citi ThankYou points system works<\/strong><\/span><\/h3>\n<p>To use ThankYou points, log in to your account and scroll down until you see your available points balance. If you have multiple credit cards, you'll see your points balance for each card. Then, click &#8220;View \/ Redeem&#8221; to see information about the card(s) you have and redemption methods.<\/p>\n<figure id=\"attachment_236476\" class=\"wp-caption aligncenter\"><img data-aspectratio=\"750\/155\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" class=\"wp-image-236476 lazyload\" data-src=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2025\/07\/Screenshot-2025-11-21-at-12.59.34-1.png\" alt=\"Total ThankYou Points balance for two Citi credit cards\" width=\"750\" height=\"155\" data-srcset=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2025\/07\/Screenshot-2025-11-21-at-12.59.34-1.png 1618w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2025\/07\/Screenshot-2025-11-21-at-12.59.34-1-750x155.png 750w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2025\/07\/Screenshot-2025-11-21-at-12.59.34-1-900x186.png 900w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2025\/07\/Screenshot-2025-11-21-at-12.59.34-1-768x159.png 768w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2025\/07\/Screenshot-2025-11-21-at-12.59.34-1-1536x317.png 1536w\" sizes=\"(max-width: 750px) 100vw, 750px\" \/><center><em>Credit: Citi<\/em><\/enter><\/figure>\n<p>Citi ThankYou points are unique in that you can combine points earned on any card with any other Citi cardholder. This sets Citi apart from other card issuers \u2014 like <a target=\"_blank\" href=\"https:\/\/awardwallet.com\/credit-cards\/chase-ultimate-rewards\/\" rel=\"noopener\">Chase Ultimate Rewards<\/a>, which only lets you <a target=\"_blank\" href=\"https:\/\/awardwallet.com\/travel\/which-programs-allow-free-points-sharing\/\" rel=\"noopener\">combine points<\/a> with one other household member, or <a target=\"_blank\" href=\"https:\/\/awardwallet.com\/credit-cards\/amex-membership-rewards\/\" rel=\"noopener\">American Express Membership Rewards<\/a>, which don't let you combine points with anyone. In this way, you can earn points on everyday purchases alongside friends and family, share points, and redeem them through award bookings you've worked toward as a team.<\/p>\n<p>One important note: Once you transfer points to someone, they expire 90 days after the points are shared. Therefore, it's important to have a plan in place for how they will be used before they expire.<\/p>\n<figure id=\"attachment_148987\" class=\"wp-caption aligncenter\"><img data-aspectratio=\"600\/480\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" class=\"wp-image-148987 lazyload\" data-src=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/01\/Karolina-Grabowska-Pexels-person-with-credit-card-and-laptop-featured.png\" alt=\"a close-up of a laptop sitting on someone's lap while a hand holds a credit card\" width=\"600\" height=\"480\" data-srcset=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/01\/Karolina-Grabowska-Pexels-person-with-credit-card-and-laptop-featured.png 1000w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/01\/Karolina-Grabowska-Pexels-person-with-credit-card-and-laptop-featured-300x240.png 300w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/01\/Karolina-Grabowska-Pexels-person-with-credit-card-and-laptop-featured-768x614.png 768w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/01\/Karolina-Grabowska-Pexels-person-with-credit-card-and-laptop-featured-325x260.png 325w\" sizes=\"(max-width: 600px) 100vw, 600px\" \/><center><em>Credit: Karolina Grabowska\/Pexels<\/em><\/enter><\/figure>\n<h2><span id=\"Available_Cards_That_Earn_Citi_ThankYou_Points\"><strong>Available Cards That Earn Citi ThankYou Points<\/strong><\/span><\/h2>\n<p>Let's look at all of the options to earn ThankYou points with a Citi credit card, plus the pros and cons for each Citi ThankYou Rewards card. It's also worth noting that there are specific <a target=\"_blank\" href=\"https:\/\/awardwallet.com\/credit-cards\/citi-thankyou-rewards\/citi-application-rules\/\" rel=\"noopener\">application rules for Citi ThankYou points<\/a> cards.<\/p>\n<p><strong>Related: <a href=\"https:\/\/awardwallet.com\/credit-cards\/citi-thankyou-rewards\/citi-quadfecta\/\">Build a Citi Credit Card Quadfecta<\/a><\/strong><\/p>\n<h3><span id=\"Citi_Strata_Card\">Citi Strata\u2120 Card<\/span><\/h3>\n<p>The <a data-ccid=\"241\" href=\"\/blog\/link\/CitiStrataCard\" rel=\"noopener nofollow sponsored\">Citi Strata\u2120 Card<\/a> (<a data-ccid=\"241\" href=\"https:\/\/click.linksynergy.com\/fs-bin\/click?id=a3pDkecFgAg&offerid=1960645.4297&type=3&subid=0\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a>) debuted in July 2025. It features a generous welcome offer for new cardholders and has excellent earning potential to help you earn Citi points faster than ever. Our favorite feature is the card's self-select category, allowing you to earn more bonus points on the purchases you make most often. You can <a href=\"https:\/\/awardwallet.com\/credit-cards\/citi-thankyou-rewards\/strata-card-bonus-category\/\">change your self-select category once each quarter<\/a>.<\/p>\n<p>Eligible self-select categories include:<\/p>\n<ul>\n<li>Fitness Clubs<\/li>\n<li>Select Streaming Services<\/li>\n<li>Live Entertainment<\/li>\n<li>Cosmetic Stores\/Barber Shops\/Hair Salons<\/li>\n<li>Pet Supply Stores<\/li>\n<\/ul>\n<p><div class=\"qs-card\" data-id=\"241\">\n            <div class=\"qs-data\">\n                <div class=\"qs-view\">\n                    <div class=\"qs-cardname\">Citi Strata\u2120 Card<\/div>\n                    <div class=\"qs-image\"><img data-aspectratio=\"150\/94\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-src=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2025\/07\/CardArt-CitiStrataCard.png\" width=\"150\" alt=\"Citi Strata\u2120 Card\" \/ class=\"lazyload\"><\/div>\n                    <div class=\"qs-apply\"><a class=\"btn-use qs-apply-now\" title='Citi Strata\u2120 Card' data-ccid=\"241\" href=\"\/blog\/link\/CitiStrataCard\" target=\"_blank\" rel=\"noopener nofollow sponsored\">Apply Now<\/a><\/div>\n                    <div class=\"qs-rates\"><span class=\"qs-terms\"><a data-ccid=\"241\" href=\"https:\/\/click.linksynergy.com\/fs-bin\/click?id=a3pDkecFgAg&offerid=1960645.4297&type=3&subid=0\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a><\/span><\/div>\n                    <div class=\"qs-offer\"><strong>Welcome Bonus<\/strong> Earn 20,000 bonus Points after spending $1,000 in the first 3 months of account opening.<\/div>\n                <\/div>\n                <div class=\"qs-info\">\n                    <strong class=\"qs-cardname\">Citi Strata\u2120 Card<\/strong>\n                    <div class=\"qs-offer\"><strong>Welcome Bonus<\/strong> Earn 20,000 bonus Points after spending $1,000 in the first 3 months of account opening.<\/div>\n                    <div class=\"qs-fee\"><strong>Annual Fee:<\/strong><b>$0<\/b><\/div>\n                    <div class=\"qs-tabs\"><a class=\"qs-more\" href=\"#more\">Show more<\/a><a href=\"\" data-tab=\"wwl\">Why We Like It<\/a><a href=\"\" data-tab=\"hl\">Highlights<\/a><a href=\"\" data-tab=\"er\">Earning Rates<\/a><div class=\"qs-tab-wwl\">The Citi Strata\u2120 Card is one of the most rewarding no-annual-fee cards on the market, thanks to its impressive combination of flexible bonus categories and solid everyday earning. Cardholders can earn elevated points in popular categories like gas stations, supermarkets, EV charging, streaming, and even fitness clubs\u2014making it easy to rack up rewards on routine spending without paying an annual fee.<\/div><div class=\"qs-tab-hl\"><ul>\r\n<li>Earn 20,000 bonus Points after spending $1,000 in the first 3 months of account opening.<\/li>\r\n<li>0% Intro APR on balance transfers and purchases for 15 months; after that, the variable APR will be 18.49% - 28.49%, based on your creditworthiness. There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).<\/li>\r\n<li>Earn 3 ThankYou<sup>\u00ae<\/sup> Points for each $1 spent in an eligible Self-Select Category of your choice (Fitness Clubs, Select Streaming Services, Live Entertainment, Cosmetic Stores\/Barber Shops\/Hair Salons, or Pet Supply Stores). Choose your eligible Self-Select Category on Citi Online or by calling customer service. The default Self-Select Category is Select Streaming Services.<\/li>\r\n<li>Earn 5 ThankYou<sup>\u00ae<\/sup> Points for each $1 spent on Hotels, Car Rentals and Attractions booked on Citi Travel<sup>\u00ae<\/sup> via cititravel.com; earn 3 ThankYou Points for each $1 spent at Supermarkets, on Select Transit purchases, and at Gas & EV Charging Stations.<\/li>\r\n<li>Earn 2 ThankYou<sup>\u00ae<\/sup> Points for each $1 spent at Restaurants; earn 1 ThankYou<sup>\u00ae<\/sup> Point for each $1 spent on All Other Purchases.<\/li>\r\n<li>No Annual Fee<\/li>\r\n<\/ul> <\/div><div class=\"qs-tab-er\"><ul>\r\n  <li>5X \u2013 Earn 5 ThankYou<sup>\u00ae<\/sup> Points for each $1 spent on Hotels, Car Rentals and Attractions booked on Citi Travel\u2120 via cititravel.com<\/li>\r\n  <li>3X \u2013 Earn 3 ThankYou<sup>\u00ae<\/sup> Points for each $1 spent in an eligible Self-Select Category of your choice (Fitness Clubs, Select Streaming Services, Live Entertainment, Cosmetic Stores\/Barber Shops\/Hair Salons, or Pet Supply Stores). Choose your eligible Self-Select Category on Citi Online or by calling customer service. The default Self-Select Category is Select Streaming Services.<\/li>\r\n  <li>3X \u2013 Earn 3 ThankYou<sup>\u00ae<\/sup> Points per $1 spent at Supermarkets<\/li>\r\n  <li>3X \u2013 Earn 3 ThankYou<sup>\u00ae<\/sup> Points per $1 spent on Select Transit purchases<\/li>\r\n  <li>3X \u2013 Earn 3 ThankYou<sup>\u00ae<\/sup> Points per $1 spent at Gas and EV Charging Stations<\/li>\r\n  <li>2X \u2013 Earn 2 ThankYou<sup>\u00ae<\/sup> Points per $1 spent at Restaurants<\/li>\r\n  <li>1X \u2013 Earn 1 ThankYou<sup>\u00ae<\/sup> Point per $1 spent on All Other Purchases<\/li>\r\n<\/ul><\/div><\/div>\n                <\/div>\n            <\/div>\n            <a class=\"qs-share\" href=\"\/find-a-card\/CitiStrata\/\" title=\"copy\"><svg width=\"12\" height=\"16\" viewBox=\"0 0 12 16\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><use href=\"https:\/\/awardwallet.com\/blog\/wp-content\/themes\/awardwallet\/public\/builds\/icon\/icon-sprite.svg?v2026-4-143a6d5a52#share-square\" fill=\"currentColor\"><\/use><\/svg><\/a>\n        <\/div><\/p>\n<p><strong>Pros: <\/strong><\/p>\n<ul>\n<li>Earn 20,000 bonus Points after spending $1,000 in the first 3 months of account opening.<\/li>\n<li>No annual fee<\/li>\n<li>Earn 3X ThankYou points in a unique &#8216;self-select' category.<\/li>\n<\/ul>\n<p><strong>Cons:<\/strong><\/p>\n<ul>\n<li>Points earned with Citi Strata Card transfer to partners at a reduced ratio\u2014unless you also hold one of Citi's premium cards.<\/li>\n<\/ul>\n<p><strong>Related: <a href=\"https:\/\/awardwallet.com\/credit-cards\/citi-thankyou-rewards\/citi-strata-card\/\">Citi Strata Card full review<\/a><\/strong><\/p>\n<h3><span id=\"Citi_Strata_Premier_Card\">Citi Strata Premier<sup>\u00ae<\/sup> Card<\/span><\/h3>\n<p>The <a data-ccid=\"520083\" href=\"\/blog\/link\/CR-CitiPremierCard\" rel=\"noopener nofollow sponsored\">Citi Strata Premier<\/a> (<a data-ccid=\"520083\" href=\"https:\/\/click.linksynergy.com\/fs-bin\/click?id=a3pDkecFgAg&offerid=1978593.4328&type=3&subid=0\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a>) might be the best value credit card issued by Citi. It offers a large sign-up bonus, valuable benefits, and fantastic earning potential in exchange for a reasonable $95 annual fee. Plus, you'll receive an annual $100 hotel credit for a single stay of $500 or more booked through the Citi Travel\u2120 Portal.<\/p>\n<p><div class=\"qs-card\" data-id=\"520083\">\n            <div class=\"qs-data\">\n                <div class=\"qs-view\">\n                    <div class=\"qs-cardname\">Citi Strata Premier<sup>\u00ae<\/sup> Card<\/div>\n                    <div class=\"qs-image\"><img src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-src=\"https:\/\/cdn.nextinsure.com\/imaging\/opt\/11937075.png\" width=\"150\" alt=\"Citi Strata Premier\u00ae Card\" \/ class=\"lazyload\"><\/div>\n                    <div class=\"qs-apply\"><a class=\"btn-use qs-apply-now\" title='Citi Strata Premier\u00ae Card' data-ccid=\"520083\" href=\"\/blog\/link\/CR-CitiPremierCard\" target=\"_blank\" rel=\"noopener nofollow sponsored\">Apply Now<\/a><\/div>\n                    <div class=\"qs-rates\"><span class=\"qs-terms\"><a data-ccid=\"520083\" href=\"https:\/\/click.linksynergy.com\/fs-bin\/click?id=a3pDkecFgAg&offerid=1978593.4328&type=3&subid=0\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a><\/span><\/div>\n                    <div class=\"qs-offer\"><strong>Welcome Offer<\/strong>\r\nEarn 60,000 bonus ThankYou<sup>\u00ae<\/sup> Points after spending $4,000 in the first 3 months of account opening, redeemable for $600 in gift cards or travel rewards at thankyou.com.<\/div>\n                <\/div>\n                <div class=\"qs-info\">\n                    <strong class=\"qs-cardname\">Citi Strata Premier<sup>\u00ae<\/sup> Card<\/strong>\n                    <div class=\"qs-offer\"><strong>Welcome Offer<\/strong>\r\nEarn 60,000 bonus ThankYou<sup>\u00ae<\/sup> Points after spending $4,000 in the first 3 months of account opening, redeemable for $600 in gift cards or travel rewards at thankyou.com.<\/div>\n                    <div class=\"qs-fee\"><strong>Annual Fee:<\/strong><b>$95<\/b><\/div>\n                    <div class=\"qs-tabs\"><a class=\"qs-more\" href=\"#more\">Show more<\/a><a href=\"\" data-tab=\"wwl\">Why We Like It<\/a><a href=\"\" data-tab=\"hl\">Highlights<\/a><a href=\"\" data-tab=\"er\">Earning Rates<\/a><div class=\"qs-tab-wwl\">The Citi Strata Premier<sup>\u00ae<\/sup> Card offers some of the best earning rates of any rewards card with an annual fee under $100. This card offers excellent rewards on an unusually generous list of earning categories, including air travel, hotels, car rentals, groceries, and dining\u2014and it tops our list of the best cards for <a href=\"https:\/\/awardwallet.com\/credit-cards\/best-credit-cards-for-gas\/\">gas & fuel purchases<\/a>. <\/div><div class=\"qs-tab-hl\"><ul><li>Earn 60,000 bonus ThankYou<sup>\u00ae<\/sup> Points after spending $4,000 in the first 3 months of account opening, redeemable for $600 in gift cards or travel rewards at thankyou.com.<\/li><li>Earn 10 Points per $1 spent on Hotels, Car Rentals, and Attractions booked on CitiTravel.com. <\/li><li>Earn 3 Points per $1 on Air Travel and Other Hotel Purchases, at Restaurants, Supermarkets, Gas and EV Charging Stations. <\/li><li>Earn 1 Point per $1 spent on all other purchases.<\/li><li>$100 Annual Hotel Benefit: Once per calendar year, enjoy $100 off a single hotel stay of $500 or more (excluding taxes and fees) when booked through CitiTravel.com. Benefit applied instantly at time of booking. <\/li><li>No expiration and no limit to the amount of points you can earn with this card.<\/li><li>No Foreign Transaction Fees on purchases.<\/ul><\/div><div class=\"qs-tab-er\"><ul>\r\n<li>10X on Hotels, Car Rentals, and Attractions booked through CitiTravel.com<\/li>\r\n<li>3X \u2013 Earn 3 Points per $1 spent on Air Travel and Other Hotel Purchases<\/li>\r\n<li>3X \u2013 Earn 3 Points per $1 spent on Restaurants<\/li>\r\n<li>3X \u2013 Earn 3 Points per $1 spent on Supermarkets<\/li>\r\n<li>3X \u2013 Earn 3 Points per $1 spent on Gas and EV Charging Stations <\/li>\r\n<li>1X \u2013 Earn 1 Point per $1 spent on All Other Purchases<\/li>\r\n<\/ul><\/div><\/div>\n                <\/div>\n            <\/div>\n            <a class=\"qs-share\" href=\"\/find-a-card\/CitiPremier\/\" title=\"copy\"><svg width=\"12\" height=\"16\" viewBox=\"0 0 12 16\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><use href=\"https:\/\/awardwallet.com\/blog\/wp-content\/themes\/awardwallet\/public\/builds\/icon\/icon-sprite.svg?v2026-4-143a6d5a52#share-square\" fill=\"currentColor\"><\/use><\/svg><\/a>\n        <\/div><\/p>\n<p><strong>Pros:<\/strong><\/p>\n<ul>\n<li>Solid welcome offer<\/li>\n<li>Ability to transfer points to travel partners at the best rates<\/li>\n<li>10X points per $1 on hotels, car rentals, and attractions booked through CitiTravel.com; 3X points per $1 spent on air travel and other hotel purchases; and 3X points at gas stations, EV charging stations, restaurants, and supermarkets<\/li>\n<li><a target=\"_blank\" href=\"https:\/\/awardwallet.com\/credit-cards\/citi-thankyou-rewards\/citi-strata-premier-hotel-benefit\/\" rel=\"noopener\">Annual $100 hotel credit via Citi Travel<\/a><\/li>\n<\/ul>\n<p><strong>Cons:<\/strong><\/p>\n<ul>\n<li>$95 annual fee<\/li>\n<li>1x on all other purchases<\/li>\n<\/ul>\n<p><strong>Related: <\/strong><a target=\"_blank\" href=\"https:\/\/awardwallet.com\/credit-cards\/citi-thankyou-rewards\/citi-strata-premier\/\" rel=\"noopener\"><strong>Citi Strata Premier Card full review<\/strong><\/a><\/p>\n<h3><span id=\"Citi_Strata_Elite_Card\">Citi Strata Elite\u2120 Card<\/span><\/h3>\n<p>The <a data-ccid=\"242\" href=\"\/blog\/link\/CitiStrataElite?var2=ccid~242\" rel=\"noopener nofollow sponsored\">Citi Strata Elite\u2120 Card<\/a> (<a data-ccid=\"242\" href=\"https:\/\/click.linksynergy.com\/fs-bin\/click?id=a3pDkecFgAg&offerid=1978593.4347&type=3&subid=0\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a>) marks Citi's return to the ultra-premium travel rewards space. With a generous welcome bonus and access to a wide range of travel credits, elite perks, and elevated earning rates, the Citi Strata Elite offers meaningful long-term value \u2014 especially for travelers who can fully utilize its benefits.<\/p>\n<p>As a cardholder, you'll earn:<\/p>\n<ul>\r\n<li>12X \u2013 Earn 12 Points per $1 spent on Hotels, Car Rentals, and Attractions booked on cititravel.com.<\/li>\r\n<li>6X \u2013 Earn 6 Points per $1 spent on Air Travel booked on cititravel.com.<\/li>\r\n<li>6X \u2013 Earn 6 Points per $1 spent at Restaurants including Restaurant Delivery Services on CitiNights\u2120 purchases, every Friday and Saturday from 6 PM to 6 AM ET. Earn 3 Points per $1 spent any other time.<\/li>\r\n<li>1.5X \u2013 Earn 1.5 Points per $1 spent on All Other Purchases.<\/li>\r\n<\/ul>\n<p>Those ThankYou<sup>\u00ae<\/sup> points transfer at full value, making it one of the strongest Citi cards for unlocking maximum redemption potential with transfer partners.<\/p>\n<p><div class=\"qs-card\" data-id=\"242\">\n            <div class=\"qs-data\">\n                <div class=\"qs-view\">\n                    <div class=\"qs-cardname\">Citi Strata Elite\u2120 Card<\/div>\n                    <div class=\"qs-image\"><img data-aspectratio=\"150\/95\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-src=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2025\/07\/CardArt-CitiStrataEliteCard.png\" width=\"150\" alt=\"Citi Strata Elite\u2120 Card\" \/ class=\"lazyload\"><\/div>\n                    <div class=\"qs-apply\"><a class=\"btn-use qs-apply-now\" title='Citi Strata Elite\u2120 Card' data-ccid=\"242\" href=\"\/blog\/link\/CitiStrataElite?var2=ccid~242\" target=\"_blank\" rel=\"noopener nofollow sponsored\">Apply Now<\/a><\/div>\n                    <div class=\"qs-rates\"><span class=\"qs-terms\"><a data-ccid=\"242\" href=\"https:\/\/click.linksynergy.com\/fs-bin\/click?id=a3pDkecFgAg&offerid=1978593.4347&type=3&subid=0\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a><\/span><\/div>\n                    <div class=\"qs-offer\"><strong>Welcome Bonus<\/strong> Earn 75,000 bonus Points after spending $6,000 in the first 3 months of account opening. <\/div>\n                <\/div>\n                <div class=\"qs-info\">\n                    <strong class=\"qs-cardname\">Citi Strata Elite\u2120 Card<\/strong>\n                    <div class=\"qs-offer\"><strong>Welcome Bonus<\/strong> Earn 75,000 bonus Points after spending $6,000 in the first 3 months of account opening. <\/div>\n                    <div class=\"qs-fee\"><strong>Annual Fee:<\/strong><b>$595<\/b><\/div>\n                    <div class=\"qs-tabs\"><a class=\"qs-more\" href=\"#more\">Show more<\/a><a href=\"\" data-tab=\"wwl\">Why We Like It<\/a><a href=\"\" data-tab=\"hl\">Highlights<\/a><a href=\"\" data-tab=\"er\">Earning Rates<\/a><div class=\"qs-tab-wwl\">The Citi Strata Elite\u2120 Card is Citi's premier rewards card, delivering top-tier travel and dining rewards and standout perks like a $300 annual hotel credit and no foreign transaction fees. From Friday night dinners to weekend getaways, the elevated earnings on hotels, air travel, and CitiNights\u2120 purchases make this a powerhouse option for frequent travelers looking to maximize every dollar spent.<\/div><div class=\"qs-tab-hl\"><ul><li>Earn 75,000 bonus Points after spending $6,000 in the first 3 months of account opening.<\/li><li>Earn 12 Points per $1 spent on Hotels, Car Rentals, and Attractions booked on cititravel.com and 6 Points per $1 spent on Air Travel booked on cititravel.com<\/li><li>Earn 6 Points per $1 spent at Restaurants including Restaurant Delivery Services on CitiNights\u2120 purchases, every Friday and Saturday from 6 PM to 6 AM ET. Earn 3 Points per $1 spent any other time<\/li><li>Earn 1.5 Points per $1 spent on All Other Purchases<\/li><li>Up to $300 Annual Hotel Benefit: Each calendar year, enjoy up to $300 off a hotel stay of two nights or more when booked through cititravel.com.<\/li><li>No Foreign Transaction Fees<\/ul><\/div><div class=\"qs-tab-er\"><ul>\r\n<li>12X \u2013 Earn 12 Points per $1 spent on Hotels, Car Rentals, and Attractions booked on cititravel.com.<\/li>\r\n<li>6X \u2013 Earn 6 Points per $1 spent on Air Travel booked on cititravel.com.<\/li>\r\n<li>6X \u2013 Earn 6 Points per $1 spent at Restaurants including Restaurant Delivery Services on CitiNights\u2120 purchases, every Friday and Saturday from 6 PM to 6 AM ET. Earn 3 Points per $1 spent any other time.<\/li>\r\n<li>1.5X \u2013 Earn 1.5 Points per $1 spent on All Other Purchases.<\/li>\r\n<\/ul><\/div><\/div>\n                <\/div>\n            <\/div>\n            <a class=\"qs-share\" href=\"\/find-a-card\/CitiStrataElite\/\" title=\"copy\"><svg width=\"12\" height=\"16\" viewBox=\"0 0 12 16\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><use href=\"https:\/\/awardwallet.com\/blog\/wp-content\/themes\/awardwallet\/public\/builds\/icon\/icon-sprite.svg?v2026-4-143a6d5a52#share-square\" fill=\"currentColor\"><\/use><\/svg><\/a>\n        <\/div><\/p>\n<p><strong>Pros:<\/strong><\/p>\n<ul>\n<li>Earn 75,000 bonus Points<\/li>\n<li>Transfer ThankYou points at full value<\/li>\n<li><a target=\"_blank\" href=\"https:\/\/awardwallet.com\/credit-cards\/citi-thankyou-rewards\/strata-elite-hotel-credit\/\" rel=\"noopener\">$300 annual hotel credit via Citi Travel<\/a><\/li>\n<li>$200 <a href=\"https:\/\/awardwallet.com\/credit-cards\/citi-thankyou-rewards\/strata-elite-splurge-credit\/\">annual Splurge Credit\u2120<\/a> for select lifestyle brands<\/li>\n<li>$200 <a href=\"https:\/\/awardwallet.com\/credit-cards\/citi-thankyou-rewards\/strata-elite-blacklane-credit\/\">annual Blacklane credit<\/a> for luxury rides<\/li>\n<li>4 Admirals Club<sup>\u00ae<\/sup> passes per year<\/li>\n<li>Complimentary <a target=\"_blank\" href=\"https:\/\/awardwallet.com\/travel\/priority-pass-lounges-guide\/\" rel=\"noopener\">Priority Pass membership<\/a> (with guest access)<\/li>\n<\/ul>\n<p><strong>Cons:<\/strong><\/p>\n<ul>\n<li>$595 annual fee<\/li>\n<li>Some credits are limited to select merchants<\/li>\n<li>Reward structure favors those who frequently book through Citi Travel<\/li>\n<\/ul>\n<p><strong>Related: <\/strong><a href=\"https:\/\/awardwallet.com\/credit-cards\/citi-thankyou-rewards\/citi-strata-elite-offer\/\"><strong>Citi Strata Elite full review<\/strong><\/a><\/p>\n<h3><span id=\"Citi_Custom_Cash_Card\">Citi Custom Cash<sup>\u00ae<\/sup> Card<\/span><\/h3>\n<p>The <a data-ccid=\"4048250\" href=\"https:\/\/awardwallet.com\/credit-cards\/citi-thankyou-rewards\/citi-custom-cash\/\">Citi Custom Cash<sup>\u00ae<\/sup> Card<\/a> automatically provides bonus earnings where you spend the most. 5% cash back in your top eligible spend category each billing cycle, up to the first $500 spent (1% cash back thereafter), and 1% cash back on all other purchases, plus an additional 4% cash back on hotels, car rentals, and attractions booked on Citi Travel<sup>\u2120<\/sup> portal. This means that you don't have to worry about maximizing spending categories on the Citi Custom Cash Card.<\/p>\n<p>While this is advertised as a cash-back card, the cash rewards come in the form of ThankYou points. With no annual fee, this is an easy-to-use option. Eligible categories for bonus points include restaurants, gas stations, select travel, and even home improvement stores.<\/p>\n<p><div class=\"qs-card\" data-id=\"4048250\">\n            <div class=\"qs-data\">\n                <div class=\"qs-view\">\n                    <div class=\"qs-cardname\">Citi Custom Cash<sup>\u00ae<\/sup> Card<\/div>\n                    <div class=\"qs-image\"><img data-aspectratio=\"150\/95\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-src=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2021\/06\/cardart-citicustomcashcard.png\" width=\"150\" alt=\"Citi Custom Cash&lt;sup&gt;\u00ae&lt;\/sup&gt; Card\" \/ class=\"lazyload\"><\/div>\n                    <div class=\"qs-apply\"><a class=\"qs-how-apply\" data-ccid=\"4048250\" href=\"\/blog\/link\/CR-CitiCustomCashCard\" rel=\"noopener nofollow sponsored\">How to Apply<\/a><\/div>\n                    <div class=\"qs-rates\"><\/div>\n                    <div class=\"qs-offer\"><strong>Welcome Bonus<\/strong> Earn $200 in cash back after you spend $1500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou<sup>\u00ae<\/sup> points, which can be redeemed for $200 cash back.<\/div>\n                <\/div>\n                <div class=\"qs-info\">\n                    <strong class=\"qs-cardname\">Citi Custom Cash<sup>\u00ae<\/sup> Card<\/strong>\n                    <div class=\"qs-offer\"><strong>Welcome Bonus<\/strong> Earn $200 in cash back after you spend $1500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou<sup>\u00ae<\/sup> points, which can be redeemed for $200 cash back.<\/div>\n                    <div class=\"qs-fee\"><strong>Annual Fee:<\/strong><b>$0<\/b><\/div>\n                    <div class=\"qs-tabs\"><a class=\"qs-more\" href=\"#more\">Show more<\/a><a href=\"\" data-tab=\"wwl\">Why We Like It<\/a><a href=\"\" data-tab=\"hl\">Highlights<\/a><a href=\"\" data-tab=\"er\">Earning Rates<\/a><div class=\"qs-tab-wwl\">The Citi Custom Cash<sup>\u00ae<\/sup> Card offers a distinctive and flexible cash back program that adapts to your top spending category. Every billing cycle, it automatically grants 5% cash back on the first $500 in your highest spend category, which can range from restaurants, gas stations, and grocery stores to select streaming services, travel, transit, home improvement stores, fitness clubs, live entertainment, and drugstores. Beyond this, all other purchases earn an unlimited 1% cash back. Notably, there's no annual fee, adding to its appeal. The cash back you earn is in the form of ThankYou Points, which can be redeemed for cash back, or combined with rewards\u200b\u200b\u200b\u200b\u200b\u200b\u200b\u200b\u200b\u200b\u200b\u200b from other qualifying ThankYou Rewards cards and transferred to travel partners.<\/div><div class=\"qs-tab-hl\"><ul>\r\n<li>Sign-up bonus of $200 in cash back after you spend $1,500 on purchases in the first 6 months of account opening, issued as 20,000 ThankYou<sup>\u00ae<\/sup> Points<\/li>\r\n<li>5% cash back in your top eligible spend category on up to $500 of purchses each billing cycle<\/li>\r\n<li>No rotating bonus categories to sign up for--the top earning category adjusts automatically each month to the eligible category in which you spend the most.<\/li>\r\n<li>Excellent intro APR offer on purchases and balance transfers<\/li>\r\n<li>No annual fee<\/li>\r\n<\/ul><\/div><div class=\"qs-tab-er\"><ul>\r\n<li>Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent<\/li>\r\n<li>1% cash back thereafter, plus, you'll earn unlimited 1% cash back on all other purchases<\/li>\r\n<li>No rotating bonus categories to sign up for \u2013 as your spending changes each billing cycle, your earn adjusts automatically when you spend in any of the eligible categories.<\/li>\r\n<li>Eligible spending categories are: <I>Restaurants, Gas Stations, Grocery Stores, Select Travel, Select Transit, Select Streaming Services, Drugstores, Home Improvement Stores, Fitness Clubs and Live Entertainment.<\/i><\/li>\r\n<li><b><i>Special Travel Offer:<\/i><\/b> Earn an additional 4% cash back on hotels, car rentals, and attractions booked on Citi Travel<sup>\u2120<\/sup> portal.<\/li>\r\n<\/ul><\/div><\/div>\n                <\/div>\n            <\/div>\n            <a class=\"qs-share\" href=\"\/find-a-card\/CitiCustom\/\" title=\"copy\"><svg width=\"12\" height=\"16\" viewBox=\"0 0 12 16\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><use href=\"https:\/\/awardwallet.com\/blog\/wp-content\/themes\/awardwallet\/public\/builds\/icon\/icon-sprite.svg?v2026-4-143a6d5a52#share-square\" fill=\"currentColor\"><\/use><\/svg><\/a>\n        <\/div><\/p>\n<p>You also can take advantage of a 0% introductory APR on purchases for 15 months from account opening and 0% introductory APR on balance transfers for 15 months from account opening with the Citi Custom Cash Card. After the introductory period, you'll have a Variable APR of 18.24% - 28.24%. Balance transfer fee applies with this offer: 5% of each balance transfer; $5 minimum.<\/p>\n<p><strong>Pros:<\/strong><\/p>\n<ul>\n<li>Welcome offer of $200 after you spend $1500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou<sup>\u00ae<\/sup> points, which can be redeemed for $200 cash back.<\/li>\n<li>No annual fee.<\/li>\n<li>Earn points at 5% back on your highest eligible spend category on your credit card each billing cycle.<\/li>\n<\/ul>\n<p><strong>Cons:<\/strong><\/p>\n<ul>\n<li>Bonus earnings only apply to $500 spent each billing cycle (yielding a maximum of $25 in cash back).<\/li>\n<li>Only 1% back on other purchases.<\/li>\n<\/ul>\n<p><strong>Related: <a href=\"https:\/\/awardwallet.com\/credit-cards\/citi-thankyou-rewards\/citi-custom-cash\/\">Citi Custom Cash full review<\/a><\/strong><\/p>\n<h3><span id=\"Citi_Double_Cash_Card\">Citi Double Cash<sup>\u00ae<\/sup> Card<\/span><\/h3>\n<p>The <a data-ccid=\"3002009\" href=\"\/blog\/link\/CR-CitiDoubleCashCard\" rel=\"noopener nofollow sponsored\">Citi Double Cash<sup>\u00ae<\/sup> Card<\/a> (<a data-ccid=\"3002009\" href=\"https:\/\/click.linksynergy.com\/fs-bin\/click?id=a3pDkecFgAg&offerid=951783.4206&type=3&subid=0\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a>) has no annual fee and is a great option for people who want another easy-to-use, no-fuss card. It's great for everyday spending: Earn 2% on every purchase with unlimited 1% when you buy plus 1% as you pay for those purchases. Cash back on the Citi Double Cash Card comes in the form of ThankYou points.<\/p>\n<p><div class=\"qs-card\" data-id=\"3002009\">\n            <div class=\"qs-data\">\n                <div class=\"qs-view\">\n                    <div class=\"qs-cardname\">Citi Double Cash<sup>\u00ae<\/sup> Card<\/div>\n                    <div class=\"qs-image\"><img src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-src=\"https:\/\/cdn.nextinsure.com\/imaging\/opt\/12d797ee-967a-492c-afac-48873b260ebb.jpg\" width=\"150\" alt=\"Citi Double Cash\u00ae Card\" \/ class=\"lazyload\"><\/div>\n                    <div class=\"qs-apply\"><a class=\"qs-learn-more\" data-ccid=\"3002009\" href=\"\/blog\/link\/CR-CitiDoubleCashCard\" rel=\"noopener nofollow sponsored\">Learn More<\/a><\/div>\n                    <div class=\"qs-rates\"><span class=\"qs-terms\"><a data-ccid=\"3002009\" href=\"https:\/\/click.linksynergy.com\/fs-bin\/click?id=a3pDkecFgAg&offerid=951783.4206&type=3&subid=0\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a><\/span><\/div>\n                    <div class=\"qs-offer\"><strong>Welcome Offer<\/strong>\r\nEarn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou<sup>\u00ae<\/sup> Points, which can be redeemed for $200 cash back. <\/div>\n                <\/div>\n                <div class=\"qs-info\">\n                    <strong class=\"qs-cardname\">Citi Double Cash<sup>\u00ae<\/sup> Card<\/strong>\n                    <div class=\"qs-offer\"><strong>Welcome Offer<\/strong>\r\nEarn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou<sup>\u00ae<\/sup> Points, which can be redeemed for $200 cash back. <\/div>\n                    <div class=\"qs-fee\"><strong>Annual Fee:<\/strong><b>$0<\/b><\/div>\n                    <div class=\"qs-tabs\"><a class=\"qs-more\" href=\"#more\">Show more<\/a><a href=\"\" data-tab=\"wwl\">Why We Like It<\/a><a href=\"\" data-tab=\"hl\">Highlights<\/a><a href=\"\" data-tab=\"er\">Earning Rates<\/a><div class=\"qs-tab-wwl\">The Citi Double Cash is a dynamic, no-annual-fee cash-back rewards card that allows you to earn 2% traditional cash back, or convert your rewards to ThankYou Rewards points at a 1:1 ratio (2x ThankYou points per $1). When paired with a premium ThankYou Rewards earning card, the Citi Double Cash is now the best card available for everyday, non-bonus purchases.\r\n<br>\r\n<br>\r\nIf you're looking to pay down debt or finance a larger purchase, this card also comes with one of the best available introductory APR offers on balance transfers.<\/div><div class=\"qs-tab-hl\"><ul>\r\n<li>Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou<sup>\u00ae<\/sup> Points, which can be redeemed for $200 cash back.<\/li>\r\n<li>Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. To earn cash back, pay at least the minimum due on time.\r\n<br><br>\r\nPlus, earn 5% total cash back on hotel, car rentals and attractions booked with Citi Travel.<\/li>\r\n<li>Balance Transfer Only Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 17.49% - 27.49%, based on your creditworthiness.<\/li>\r\n<li>Balance Transfers do not earn cash back. Intro APR does not apply to purchases.<\/li>\r\n<li>If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month.<\/li>\r\n<li>There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).<\/li>\r\n<\/ul><\/div><div class=\"qs-tab-er\"><ul>\r\n<li>Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. To earn cash back, pay at least the minimum due on time.\r\n<br><br>\r\nPlus, earn 5% total cash back on hotel, car rentals and attractions booked with Citi Travel.<\/li>\r\n<\/ul><\/div><\/div>\n                <\/div>\n            <\/div>\n            <a class=\"qs-share\" href=\"\/find-a-card\/DoubleCash-18BT\/\" title=\"copy\"><svg width=\"12\" height=\"16\" viewBox=\"0 0 12 16\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><use href=\"https:\/\/awardwallet.com\/blog\/wp-content\/themes\/awardwallet\/public\/builds\/icon\/icon-sprite.svg?v2026-4-143a6d5a52#share-square\" fill=\"currentColor\"><\/use><\/svg><\/a>\n        <\/div><\/p>\n<p>You'll also enjoy an introductory 0% APR on balance transfers for 18 months from account opening. After that, you'll have a variable APR of 17.49% - 27.49%. There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5)<\/p>\n<p><strong>Pros:<\/strong><\/p>\n<ul>\n<li>2% cash back on all purchases.<\/li>\n<li>No cost to keep the card.<\/li>\n<\/ul>\n<p><strong>Cons:<\/strong><\/p>\n<ul>\n<li>No bonus categories besides 5% total cash back on hotel, car rentals, and attractions booked with Citi Travel.<\/li>\n<li>No travel benefits.<\/li>\n<\/ul>\n<p><strong>Related: <a href=\"https:\/\/awardwallet.com\/credit-cards\/citi-thankyou-rewards\/citi-double-cash-card\/\">Citi Double Cash full review<\/a><\/strong><\/p>\n<h3><span id=\"ATT_Points_Plus_Card\">AT&T Points Plus<sup>\u00ae<\/sup> Card<\/span><\/h3>\n<p>The AT&T Points Plus is an intriguing offer for AT&T customers. Receive a $200 statement credit when you spend $1,000 in the first three months from account opening, plus receive a monthly statement credit, depending on your spending amount. Customers who spend between $500 and $999.99 receive a $10 statement credit. Customers who spend $1,000 or more receive a $20 statement credit. Additionally, earn 3X ThankYou points at gas stations and EV charging stations, 2X at grocery stores, and 1X on all other purchases.<\/p>\n<p><strong>Pros:<\/strong><\/p>\n<ul>\n<li>Statement credit for AT&T customers.<\/li>\n<li>No annual fee.<\/li>\n<li>Bonus categories with no limit on earning.<\/li>\n<\/ul>\n<p><strong>Cons:<\/strong><\/p>\n<ul>\n<li>Main benefits only apply to AT&T customers.<\/li>\n<\/ul>\n<h2><span id=\"Cards_That_Are_No_Longer_Available_to_New_Applicants\"><strong>Cards That Are No Longer Available to New Applicants<\/strong><\/span><\/h2>\n<p>The following cards earn ThankYou points; however, they are no longer open to new applicants.<\/p>\n<h3><span id=\"ATT_Access_Card_from_Citi\">AT&T Access Card from Citi<\/span><\/h3>\n<ul>\n<li>Earn 2X on retail, travel, and AT&T purchases plus 1X on other purchases.<\/li>\n<li>No annual fee.<\/li>\n<\/ul>\n<h3><span id=\"Citi_Prestige_Card\">Citi Prestige Card<\/span><\/h3>\n<ul>\n<li>5X points on air travel and at restaurants, 3X points at hotels and on cruise line purchases, and 1 point per dollar on all other purchases.<\/li>\n<li>Annual travel credit of $250.<\/li>\n<li>Priority Pass Select membership.<\/li>\n<li>Up to $100 in statement credits for your TSA PreCheck or Global Entry fee every four years.<\/li>\n<li>$495 annual fee.<\/li>\n<\/ul>\n<p><strong>Related: <a target=\"_blank\" href=\"https:\/\/awardwallet.com\/credit-cards\/citi-thankyou-rewards\/citi-prestige\/\" rel=\"noopener\">Citi Prestige Card review<\/a><\/strong><\/p>\n<h3><span id=\"Citi_ThankYou_Preferred_Card\">Citi ThankYou<sup>\u00ae<\/sup> Preferred Card<\/span><\/h3>\n<ul>\n<li>Earn 2X on dining and entertainment plus 1X on other purchases.<\/li>\n<li>No annual fee.<\/li>\n<\/ul>\n<h3><span id=\"Citi_ThankYou_Mastercard_formerly_Sears_Mastercard_with_ThankYou_Rewards\">Citi ThankYou<sup>\u00ae<\/sup> Mastercard<sup>\u00ae<\/sup> formerly <b>Sears Mastercard<sup>\u00ae<\/sup> with ThankYou<sup>\u00ae<\/sup> Rewards<\/b><\/span><\/h3>\n<ul>\n<li>$0 annual fee.<\/li>\n<li>5% back (issued as points) at gas stations and 3% back (as points) on $10,000 of combined spending at grocery stores and restaurants.<\/li>\n<li>Cardholders regularly report targeted offers for bonus earnings, despite the card being closed to new applicants.<\/li>\n<\/ul>\n<p>It's worth noting here that Citi has <a target=\"_blank\" href=\"https:\/\/awardwallet.com\/credit-cards\/citi-product-change-rules\/\" rel=\"noopener\">unique product change rules<\/a>. You may be able to product change a Citi card to another eligible Citi credit card for personal use &#8212; such as between a card that earns Citi ThankYou Points and a <a target=\"_blank\" href=\"https:\/\/awardwallet.com\/credit-cards\/american-aadvantage\/american-airlines-credit-card\/\" rel=\"noopener\">card that earns AAdvantage miles<\/a>.<\/p>\n<p>This means you may be able to change to a card that is no longer available to new applicants, as long as it accepts product change applicants (which the Citi Prestige Card does not). However, make sure to use your ThankYou points before changing to a card that does not earn them. Otherwise, you will lose them immediately upon switching cards.<\/p>\n<p><strong>Related: <\/strong><a target=\"_blank\" href=\"https:\/\/awardwallet.com\/credit-cards\/citi-thankyou-rewards\/do-citi-points-expire\/\" rel=\"noopener\"><strong>When Do Citi ThankYou Points Expire<\/strong><\/a>?<\/p>\n<figure id=\"attachment_130371\" class=\"wp-caption aligncenter\"><img data-aspectratio=\"600\/480\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" class=\"wp-image-130371 lazyload\" data-src=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2023\/10\/Anete-Lusina-Pexels-credit-card-featured.png\" alt=\"a person sits at a table holding a credit card and reading info on a smart phone\" width=\"600\" height=\"480\" data-srcset=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2023\/10\/Anete-Lusina-Pexels-credit-card-featured.png 1000w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2023\/10\/Anete-Lusina-Pexels-credit-card-featured-300x240.png 300w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2023\/10\/Anete-Lusina-Pexels-credit-card-featured-768x614.png 768w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2023\/10\/Anete-Lusina-Pexels-credit-card-featured-325x260.png 325w\" sizes=\"(max-width: 600px) 100vw, 600px\" \/><center><em>Credit: Anete Lusina\/Pexels<\/em><\/enter><\/figure>\n<h2><span id=\"Other_Strategies_To_Earn_More_Citi_ThankYou_Rewards_Points\"><strong>Other Strategies To Earn More Citi ThankYou Rewards Points<\/strong><\/span><\/h2>\n<p>There are very few ways to earn ThankYou points outside of opening and spending on cards. Previously, you could earn ThankYou points through your Citi personal banking accounts; however, Citi no longer offers this option.<\/p>\n<h3><span id=\"Increasing_earnings_through_Citi_bonus_categories\">Increasing earnings through Citi bonus categories<\/span><\/h3>\n<p>One way to earn more points is by focusing on the bonus categories of your Citi ThankYou credit card. Credit cards offer elevated returns on spending in specific categories, and each card offers different categories. When you're aware of your card's categories, you can make sure to use that card for your spending and earn extra points in return.<\/p>\n<p>Here are the categories for each Citi Rewards card we mentioned above.<\/p>\n<p>Cards open to new applicants:<\/p>\n<ul>\n<li><strong><a data-ccid=\"241\" href=\"\/blog\/link\/CitiStrataCard\" rel=\"noopener nofollow sponsored\">Citi Strata Card<\/a>:<\/strong> Earn 5X on Citi Travel\u2120 bookings (including hotels, car rentals, and attractions); 3X on supermarkets, gas and EV charging stations, select transit, and one self-selected category (choose from fitness clubs, select streaming services, live entertainment, cosmetic stores\/barber shops\/hair salons, or pet supply stores); 2X at restaurants; 1X on everything else.<\/li>\n<li><strong><a data-ccid=\"520083\" href=\"\/blog\/link\/CR-CitiPremierCard\" rel=\"noopener nofollow sponsored\">Citi Strata Premier<\/a>: <\/strong>Earn 10X points per $1 on hotels, car rentals, and attractions booked through CitiTravel.com; 3X points per $1 spent on air travel and other hotel purchases; and 3X points at gas stations, EV charging stations, restaurants, and supermarkets.<\/li>\n<li><strong><a data-ccid=\"242\" href=\"\/blog\/link\/CitiStrataElite?var2=ccid~242\" rel=\"noopener nofollow sponsored\">Citi Strata Elite<\/a>:<\/strong> Earn 12 points per $1 on hotels, car rentals, and attractions booked on Citi Travel; 6 points per $1 on air travel booked on Citi Travel and at restaurants during CitiNights\u2120; 3 points per $1 at restaurants other times; and 1.5 points per $1 spent on all other purchases.<\/li>\n<li><strong><a data-ccid=\"4048250\" href=\"\/blog\/link\/CR-CitiCustomCashCard\" rel=\"noopener nofollow sponsored\">Citi Custom Cash<\/a>: <\/strong>Earn 5% cash back in your top eligible spend category each billing cycle, up to the first $500 spent (1% cash back thereafter), and 1% cash back on all other purchases, plus an additional 4% cash back on hotels, car rentals, and attractions booked on Citi Travel<sup>\u2120<\/sup> portal\u00a0Eligible categories include restaurants, gas stations, grocery stores, select travel, select transit, select streaming services, drugstores, home improvement stores, fitness clubs, and live entertainment.<\/li>\n<li><strong><a data-ccid=\"3002009\" href=\"\/blog\/link\/CR-CitiDoubleCashCard\" rel=\"noopener nofollow sponsored\">Citi Double Cash<\/a>: <\/strong>Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. To qualify for cash back, you have to make at least the minimum payment on your Citi credit card bill by the due date. Plus, earn 5% total cash back on hotels, car rentals, and attractions booked with Citi Travel.<\/li>\n<li><strong>AT&T Points Plus: <\/strong>3x at gas stations and 2x at grocery stores.<\/li>\n<\/ul>\n<p>Cards closed to new applicants:<\/p>\n<ul>\n<li><strong>AT&T Access Card:<\/strong> 2x on retail, travel, and AT&T purchases.<\/li>\n<li><strong><a target=\"_blank\" href=\"https:\/\/awardwallet.com\/credit-cards\/citi-thankyou-rewards\/citi-prestige-travel-credit\/\" rel=\"noopener\">Citi Prestige Card<\/a>:<\/strong> 5x on airfare and restaurants.<\/li>\n<li><strong>Citi ThankYou Preferred:<\/strong> 2x Citi points on dining and entertainment.<\/li>\n<li><strong>Citi ThankYou<sup>\u00ae<\/sup> Mastercard<sup>\u00ae<\/sup><\/strong><strong>:<\/strong> 5% back on gas and 3% back on grocery stores and restaurants, up to $10,000 spent.<\/li>\n<\/ul>\n<figure id=\"attachment_141077\" class=\"wp-caption aligncenter\"><img data-aspectratio=\"600\/480\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" class=\"wp-image-141077 lazyload\" data-src=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2023\/12\/Tim-Samuel-Pexels-credit-card-in-taxi-featured.png\" alt=\"a hand inserts a credit card into a payment machine inside a taxi\" width=\"600\" height=\"480\" data-srcset=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2023\/12\/Tim-Samuel-Pexels-credit-card-in-taxi-featured.png 1000w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2023\/12\/Tim-Samuel-Pexels-credit-card-in-taxi-featured-300x240.png 300w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2023\/12\/Tim-Samuel-Pexels-credit-card-in-taxi-featured-768x614.png 768w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2023\/12\/Tim-Samuel-Pexels-credit-card-in-taxi-featured-325x260.png 325w\" sizes=\"(max-width: 600px) 100vw, 600px\" \/><center><em>Credit: Tim Samuel\/Pexels<\/em><\/enter><\/figure>\n<h2><span id=\"Ways_to_Redeem_ThankYou_Points\"><strong>Ways to Redeem ThankYou Points<\/strong><\/span><\/h2>\n<p>Once you have a stockpile of Citi ThankYou points, you need to decide how to use them. Fortunately, you have several options for redeeming points; however, the value per point can vary significantly.<\/p>\n<h3><span id=\"Transfer_points\"><strong>Transfer points<\/strong><\/span><\/h3>\n<p>To maximize the value of your points, the best option for redeeming them is through <a target=\"_blank\" href=\"https:\/\/awardwallet.com\/credit-cards\/citi-thankyou-rewards\/citi-transfer-partners\/\" rel=\"noopener\">Citi's transfer partners<\/a>. Luckily, you can access all of Citi's 15 airline partners and five hotel partners with all of the cards on this list. However, you'll need the <a data-ccid=\"520083\" href=\"\/blog\/link\/CR-CitiPremierCard\" rel=\"noopener nofollow sponsored\">Citi Strata Premier<\/a> or <a data-ccid=\"242\" href=\"\/blog\/link\/CitiStrataElite?var2=ccid~242\" rel=\"noopener nofollow sponsored\">Citi Strata Elite<\/a> if you want to unlock the best transfer rates.<\/p>\n<p>For instance, although the <a data-ccid=\"241\" href=\"\/blog\/link\/CitiStrataCard\" rel=\"noopener nofollow sponsored\">Citi Strata Card<\/a> or <a data-ccid=\"3002009\" href=\"\/blog\/link\/CR-CitiDoubleCashCard\" rel=\"noopener nofollow sponsored\">Citi Double Cash<\/a> could technically transfer to <a href=\"https:\/\/awardwallet.com\/airlines\/avianca-lifemiles\/avianca-partners\/\">Avianca LifeMiles<\/a> or <a href=\"https:\/\/awardwallet.com\/airlines\/jetblue-trueblue\/\">JetBlue TrueBlue<\/a>, these cards transfer at a ratio of 1:0.7. If you want to transfer at a 1:1 ratio, you'll need one of Citi's cards that charges an annual fee.<\/p>\n<p>Some Citi transfer partners provide more consistent value than others when redeeming your travel rewards. Generally, Citi's airline transfer partners tend to offer more value than its hotel transfer partners, but this is not always the case.<\/p>\n<p>The chart below shows the transfer ratio and transfer times if you have the <a data-ccid=\"520083\" href=\"\/blog\/link\/CR-CitiPremierCard\" rel=\"noopener nofollow sponsored\">Citi Strata Premier<\/a>, <a data-ccid=\"242\" href=\"\/blog\/link\/CitiStrataElite?var2=ccid~242\" rel=\"noopener nofollow sponsored\">Citi Strata Elite<\/a>, or the Citi Prestige Card.<\/p>\n<div class=\"transfer-times\"><div class=\"tt-row\"><div class=\"tt-head tt-from\">From<\/div><div class=\"tt-head tt-to\">To<\/div><div class=\"tt-head tt-ratio\">Transfer Ratio<\/div><div class=\"tt-head tt-mintransfer\">Min.Transfer<\/div><div class=\"tt-head tt-avg\">Average Time<\/div><\/div><div class=\"tt-row\"><div class=\"tt-body tt-from\"><div class=\"tt-body-wrap\"><div><a href=\"https:\/\/awardwallet.com\/credit-cards\/citi-thankyou-rewards\/citi-transfer-partners\/?cid=transfer-times-transfer&mid=web\" target=\"_blank\" rel=\"noopener\">Citibank (ThankYou Rewards)<\/a><div class=\"tt-from-region\">United States<\/div><\/div><span class=\"tt-arrow tt-arrow--region\">\u2794<\/span><\/div><\/div><div class=\"tt-body tt-to\"><div class=\"tt-body-wrap\"><span class=\"tt-arrow\">\u2794<\/span><div>Accor Group (ALL - Accor Live Limitless)<\/div><\/div><\/div><div class=\"tt-body tt-ratio\">1,000:500<\/div><div class=\"tt-body tt-mintransfer\">-<\/div><div class=\"tt-body tt-avg\"><div class=\"tt-avg-unknown\">Unknown<\/div><\/div><\/div><div class=\"tt-row\"><div class=\"tt-body tt-from\"><div class=\"tt-body-wrap\"><div><a href=\"https:\/\/awardwallet.com\/credit-cards\/citi-thankyou-rewards\/citi-transfer-partners\/?cid=transfer-times-transfer&mid=web\" target=\"_blank\" rel=\"noopener\">Citibank (ThankYou Rewards)<\/a><div class=\"tt-from-region\">United States<\/div><\/div><span class=\"tt-arrow tt-arrow--region\">\u2794<\/span><\/div><\/div><div class=\"tt-body tt-to\"><div class=\"tt-body-wrap\"><span class=\"tt-arrow\">\u2794<\/span><div>Aeromexico (Rewards)<\/div><\/div><\/div><div class=\"tt-body tt-ratio\"><div class=\"tt-bonus\"><a href=\"https:\/\/awardwallet.com\/news\/citi-thankyou-rewards\/aeromexico-transfer-partner-ending\/\">Transfer partnership ended effective January 25, 2026<\/a>.<\/div><\/div><div class=\"tt-body tt-mintransfer\">-<\/div><div class=\"tt-body tt-avg\"><div class=\"tt-avg-days\">6 days<\/div><\/div><\/div><div class=\"tt-row\"><div class=\"tt-body tt-from\"><div class=\"tt-body-wrap\"><div><a href=\"https:\/\/awardwallet.com\/credit-cards\/citi-thankyou-rewards\/citi-transfer-partners\/?cid=transfer-times-transfer&mid=web\" target=\"_blank\" rel=\"noopener\">Citibank (ThankYou Rewards)<\/a><div class=\"tt-from-region\">United States<\/div><\/div><span class=\"tt-arrow tt-arrow--region\">\u2794<\/span><\/div><\/div><div class=\"tt-body tt-to\"><div class=\"tt-body-wrap\"><span class=\"tt-arrow\">\u2794<\/span><div><a href=\"https:\/\/awardwallet.com\/credit-cards\/flying-blue-transfer-partners\/?cid=transfer-times-transfer&mid=web\" target=\"_blank\" rel=\"noopener\">Air France (Flying Blue)<\/a><\/div><\/div><\/div><div class=\"tt-body tt-ratio\">1,000:1,000<\/div><div class=\"tt-body tt-mintransfer\">-<\/div><div class=\"tt-body tt-avg\"><div class=\"tt-avg-immediate\">Immediate<\/div><\/div><\/div><div class=\"tt-row\"><div class=\"tt-body tt-from\"><div class=\"tt-body-wrap\"><div><a href=\"https:\/\/awardwallet.com\/credit-cards\/citi-thankyou-rewards\/citi-transfer-partners\/?cid=transfer-times-transfer&mid=web\" target=\"_blank\" rel=\"noopener\">Citibank (ThankYou Rewards)<\/a><div class=\"tt-from-region\">United States<\/div><\/div><span class=\"tt-arrow tt-arrow--region\">\u2794<\/span><\/div><\/div><div class=\"tt-body tt-to\"><div class=\"tt-body-wrap\"><span class=\"tt-arrow\">\u2794<\/span><div>American Airlines (AAdvantage)<\/div><\/div><\/div><div class=\"tt-body tt-ratio\">1,000:1,000<div class=\"tt-bonus\"><a href=\"https:\/\/awardwallet.com\/news\/citi-thankyou-rewards\/transfer-citi-points-american-airlines\/\">Transfer partner added July 27, 2025.<\/a><\/div><\/div><div class=\"tt-body tt-mintransfer\">-<\/div><div class=\"tt-body tt-avg\"><div class=\"tt-avg-unknown\">Unknown<\/div><\/div><\/div><div class=\"tt-row\"><div class=\"tt-body tt-from\"><div class=\"tt-body-wrap\"><div><a href=\"https:\/\/awardwallet.com\/credit-cards\/citi-thankyou-rewards\/citi-transfer-partners\/?cid=transfer-times-transfer&mid=web\" target=\"_blank\" rel=\"noopener\">Citibank (ThankYou Rewards)<\/a><div class=\"tt-from-region\">United States<\/div><\/div><span class=\"tt-arrow tt-arrow--region\">\u2794<\/span><\/div><\/div><div class=\"tt-body tt-to\"><div class=\"tt-body-wrap\"><span class=\"tt-arrow\">\u2794<\/span><div><a href=\"https:\/\/awardwallet.com\/airlines\/avianca-lifemiles\/avianca-partners\/?cid=transfer-times-transfer&mid=web\" target=\"_blank\" rel=\"noopener\">Avianca (LifeMiles)<\/a><\/div><\/div><\/div><div class=\"tt-body tt-ratio\">1,000:1,250<div class=\"tt-bonus\"><a href=\"https:\/\/awardwallet.com\/news\/avianca-lifemiles\/lifemiles-transfer-bonus\/\">25% transfer bonus through April 18, 2026<\/a>.<\/div><\/div><div class=\"tt-body tt-mintransfer\">-<\/div><div class=\"tt-body tt-avg\"><div class=\"tt-avg-immediate\">Immediate<\/div><\/div><\/div><div class=\"tt-row\"><div class=\"tt-body tt-from\"><div class=\"tt-body-wrap\"><div><a href=\"https:\/\/awardwallet.com\/credit-cards\/citi-thankyou-rewards\/citi-transfer-partners\/?cid=transfer-times-transfer&mid=web\" target=\"_blank\" rel=\"noopener\">Citibank (ThankYou Rewards)<\/a><div class=\"tt-from-region\">United States<\/div><\/div><span class=\"tt-arrow tt-arrow--region\">\u2794<\/span><\/div><\/div><div class=\"tt-body tt-to\"><div class=\"tt-body-wrap\"><span class=\"tt-arrow\">\u2794<\/span><div>Cathay Pacific (Cathay)<\/div><\/div><\/div><div class=\"tt-body tt-ratio\">1,000:1,000<\/div><div class=\"tt-body tt-mintransfer\">-<\/div><div class=\"tt-body tt-avg\"><div class=\"tt-avg-immediate\">Immediate<\/div><\/div><\/div><div class=\"tt-row\"><div class=\"tt-body tt-from\"><div class=\"tt-body-wrap\"><div><a href=\"https:\/\/awardwallet.com\/credit-cards\/citi-thankyou-rewards\/citi-transfer-partners\/?cid=transfer-times-transfer&mid=web\" target=\"_blank\" rel=\"noopener\">Citibank (ThankYou Rewards)<\/a><div class=\"tt-from-region\">United States<\/div><\/div><span class=\"tt-arrow tt-arrow--region\">\u2794<\/span><\/div><\/div><div class=\"tt-body tt-to\"><div class=\"tt-body-wrap\"><span class=\"tt-arrow\">\u2794<\/span><div>Choice Hotels (Choice Privileges)<\/div><\/div><\/div><div class=\"tt-body tt-ratio\">1,000:2,000<\/div><div class=\"tt-body tt-mintransfer\">-<\/div><div class=\"tt-body tt-avg\"><div class=\"tt-avg-unknown\">Unknown<\/div><\/div><\/div><div class=\"tt-row\"><div class=\"tt-body tt-from\"><div class=\"tt-body-wrap\"><div><a href=\"https:\/\/awardwallet.com\/credit-cards\/citi-thankyou-rewards\/citi-transfer-partners\/?cid=transfer-times-transfer&mid=web\" target=\"_blank\" rel=\"noopener\">Citibank (ThankYou Rewards)<\/a><div class=\"tt-from-region\">United States<\/div><\/div><span class=\"tt-arrow tt-arrow--region\">\u2794<\/span><\/div><\/div><div class=\"tt-body tt-to\"><div class=\"tt-body-wrap\"><span class=\"tt-arrow\">\u2794<\/span><div>Emirates (Skywards & Business Rewards)<\/div><\/div><\/div><div class=\"tt-body tt-ratio\">1,000:800<\/div><div class=\"tt-body tt-mintransfer\">-<\/div><div class=\"tt-body tt-avg\"><div class=\"tt-avg-unknown\">Unknown<\/div><\/div><\/div><div class=\"tt-row\"><div class=\"tt-body tt-from\"><div class=\"tt-body-wrap\"><div><a href=\"https:\/\/awardwallet.com\/credit-cards\/citi-thankyou-rewards\/citi-transfer-partners\/?cid=transfer-times-transfer&mid=web\" target=\"_blank\" rel=\"noopener\">Citibank (ThankYou Rewards)<\/a><div class=\"tt-from-region\">United States<\/div><\/div><span class=\"tt-arrow tt-arrow--region\">\u2794<\/span><\/div><\/div><div class=\"tt-body tt-to\"><div class=\"tt-body-wrap\"><span class=\"tt-arrow\">\u2794<\/span><div>Etihad Airways (Etihad Guest)<\/div><\/div><\/div><div class=\"tt-body tt-ratio\">1,000:1,000<\/div><div class=\"tt-body tt-mintransfer\">-<\/div><div class=\"tt-body tt-avg\"><div class=\"tt-avg-days\">1 hour<\/div><\/div><\/div><div class=\"tt-row\"><div class=\"tt-body tt-from\"><div class=\"tt-body-wrap\"><div><a href=\"https:\/\/awardwallet.com\/credit-cards\/citi-thankyou-rewards\/citi-transfer-partners\/?cid=transfer-times-transfer&mid=web\" target=\"_blank\" rel=\"noopener\">Citibank (ThankYou Rewards)<\/a><div class=\"tt-from-region\">United States<\/div><\/div><span class=\"tt-arrow tt-arrow--region\">\u2794<\/span><\/div><\/div><div class=\"tt-body tt-to\"><div class=\"tt-body-wrap\"><span class=\"tt-arrow\">\u2794<\/span><div>EVA Air (Infinity MileageLands)<\/div><\/div><\/div><div class=\"tt-body tt-ratio\">1,000:1,000<\/div><div class=\"tt-body tt-mintransfer\">-<\/div><div class=\"tt-body tt-avg\"><div class=\"tt-avg-days\">1 day<\/div><\/div><\/div><div class=\"tt-row\"><div class=\"tt-body tt-from\"><div class=\"tt-body-wrap\"><div><a href=\"https:\/\/awardwallet.com\/credit-cards\/citi-thankyou-rewards\/citi-transfer-partners\/?cid=transfer-times-transfer&mid=web\" target=\"_blank\" rel=\"noopener\">Citibank (ThankYou Rewards)<\/a><div class=\"tt-from-region\">United States<\/div><\/div><span class=\"tt-arrow tt-arrow--region\">\u2794<\/span><\/div><\/div><div class=\"tt-body tt-to\"><div class=\"tt-body-wrap\"><span class=\"tt-arrow\">\u2794<\/span><div>JetBlue Airways (TrueBlue)<\/div><\/div><\/div><div class=\"tt-body tt-ratio\">1,000:1,000<\/div><div class=\"tt-body tt-mintransfer\">-<\/div><div class=\"tt-body tt-avg\"><div class=\"tt-avg-immediate\">Immediate<\/div><\/div><\/div><div class=\"tt-row\"><div class=\"tt-body tt-from\"><div class=\"tt-body-wrap\"><div><a href=\"https:\/\/awardwallet.com\/credit-cards\/citi-thankyou-rewards\/citi-transfer-partners\/?cid=transfer-times-transfer&mid=web\" target=\"_blank\" rel=\"noopener\">Citibank (ThankYou Rewards)<\/a><div class=\"tt-from-region\">United States<\/div><\/div><span class=\"tt-arrow tt-arrow--region\">\u2794<\/span><\/div><\/div><div class=\"tt-body tt-to\"><div class=\"tt-body-wrap\"><span class=\"tt-arrow\">\u2794<\/span><div>LHW (Leaders Club)<\/div><\/div><\/div><div class=\"tt-body tt-ratio\">1,000:200<\/div><div class=\"tt-body tt-mintransfer\">-<\/div><div class=\"tt-body tt-avg\"><div class=\"tt-avg-unknown\">Unknown<\/div><\/div><\/div><div class=\"tt-row\"><div class=\"tt-body tt-from\"><div class=\"tt-body-wrap\"><div><a href=\"https:\/\/awardwallet.com\/credit-cards\/citi-thankyou-rewards\/citi-transfer-partners\/?cid=transfer-times-transfer&mid=web\" target=\"_blank\" rel=\"noopener\">Citibank (ThankYou Rewards)<\/a><div class=\"tt-from-region\">United States<\/div><\/div><span class=\"tt-arrow tt-arrow--region\">\u2794<\/span><\/div><\/div><div class=\"tt-body tt-to\"><div class=\"tt-body-wrap\"><span class=\"tt-arrow\">\u2794<\/span><div>Preferred Hotels, etc. (I Prefer)<\/div><\/div><\/div><div class=\"tt-body tt-ratio\">1,000:4,000<\/div><div class=\"tt-body tt-mintransfer\">-<\/div><div class=\"tt-body tt-avg\"><div class=\"tt-avg-unknown\">Unknown<\/div><\/div><\/div><div class=\"tt-row\"><div class=\"tt-body tt-from\"><div class=\"tt-body-wrap\"><div><a href=\"https:\/\/awardwallet.com\/credit-cards\/citi-thankyou-rewards\/citi-transfer-partners\/?cid=transfer-times-transfer&mid=web\" target=\"_blank\" rel=\"noopener\">Citibank (ThankYou Rewards)<\/a><div class=\"tt-from-region\">United States<\/div><\/div><span class=\"tt-arrow tt-arrow--region\">\u2794<\/span><\/div><\/div><div class=\"tt-body tt-to\"><div class=\"tt-body-wrap\"><span class=\"tt-arrow\">\u2794<\/span><div>Qantas (Frequent Flyer)<\/div><\/div><\/div><div class=\"tt-body tt-ratio\">1,000:1,000<\/div><div class=\"tt-body tt-mintransfer\">-<\/div><div class=\"tt-body tt-avg\"><div class=\"tt-avg-days\">1 day<\/div><\/div><\/div><div class=\"tt-row\"><div class=\"tt-body tt-from\"><div class=\"tt-body-wrap\"><div><a href=\"https:\/\/awardwallet.com\/credit-cards\/citi-thankyou-rewards\/citi-transfer-partners\/?cid=transfer-times-transfer&mid=web\" target=\"_blank\" rel=\"noopener\">Citibank (ThankYou Rewards)<\/a><div class=\"tt-from-region\">United States<\/div><\/div><span class=\"tt-arrow tt-arrow--region\">\u2794<\/span><\/div><\/div><div class=\"tt-body tt-to\"><div class=\"tt-body-wrap\"><span class=\"tt-arrow\">\u2794<\/span><div>Qatar Airways (Privilege Club)<\/div><\/div><\/div><div class=\"tt-body tt-ratio\">1,000:1,000<\/div><div class=\"tt-body tt-mintransfer\">-<\/div><div class=\"tt-body tt-avg\"><div class=\"tt-avg-days\">1 day<\/div><\/div><\/div><div class=\"tt-row\"><div class=\"tt-body tt-from\"><div class=\"tt-body-wrap\"><div><a href=\"https:\/\/awardwallet.com\/credit-cards\/citi-thankyou-rewards\/citi-transfer-partners\/?cid=transfer-times-transfer&mid=web\" target=\"_blank\" rel=\"noopener\">Citibank (ThankYou Rewards)<\/a><div class=\"tt-from-region\">United States<\/div><\/div><span class=\"tt-arrow tt-arrow--region\">\u2794<\/span><\/div><\/div><div class=\"tt-body tt-to\"><div class=\"tt-body-wrap\"><span class=\"tt-arrow\">\u2794<\/span><div>Shop Your Way<\/div><\/div><\/div><div class=\"tt-body tt-ratio\">1:10<\/div><div class=\"tt-body tt-mintransfer\">1<\/div><div class=\"tt-body tt-avg\"><div class=\"tt-avg-unknown\">Unknown<\/div><\/div><\/div><div class=\"tt-row\"><div class=\"tt-body tt-from\"><div class=\"tt-body-wrap\"><div><a href=\"https:\/\/awardwallet.com\/credit-cards\/citi-thankyou-rewards\/citi-transfer-partners\/?cid=transfer-times-transfer&mid=web\" target=\"_blank\" rel=\"noopener\">Citibank (ThankYou Rewards)<\/a><div class=\"tt-from-region\">United States<\/div><\/div><span class=\"tt-arrow tt-arrow--region\">\u2794<\/span><\/div><\/div><div class=\"tt-body tt-to\"><div class=\"tt-body-wrap\"><span class=\"tt-arrow\">\u2794<\/span><div>Singapore Airlines (KrisFlyer)<\/div><\/div><\/div><div class=\"tt-body tt-ratio\">1,000:1,000<\/div><div class=\"tt-body tt-mintransfer\">-<\/div><div class=\"tt-body tt-avg\"><div class=\"tt-avg-days\">20 hours<\/div><\/div><\/div><div class=\"tt-row\"><div class=\"tt-body tt-from\"><div class=\"tt-body-wrap\"><div><a href=\"https:\/\/awardwallet.com\/credit-cards\/citi-thankyou-rewards\/citi-transfer-partners\/?cid=transfer-times-transfer&mid=web\" target=\"_blank\" rel=\"noopener\">Citibank (ThankYou Rewards)<\/a><\/div><span class=\"tt-arrow\">\u2794<\/span><\/div><\/div><div class=\"tt-body tt-to\"><div class=\"tt-body-wrap\"><span class=\"tt-arrow\">\u2794<\/span><div>Singapore Airlines (KrisFlyer)<\/div><\/div><\/div><div class=\"tt-body tt-ratio\"><\/div><div class=\"tt-body tt-mintransfer\">-<\/div><div class=\"tt-body tt-avg\"><div class=\"tt-avg-unknown\">Unknown<\/div><\/div><\/div><div class=\"tt-row\"><div class=\"tt-body tt-from\"><div class=\"tt-body-wrap\"><div><a href=\"https:\/\/awardwallet.com\/credit-cards\/citi-thankyou-rewards\/citi-transfer-partners\/?cid=transfer-times-transfer&mid=web\" target=\"_blank\" rel=\"noopener\">Citibank (ThankYou Rewards)<\/a><div class=\"tt-from-region\">United States<\/div><\/div><span class=\"tt-arrow tt-arrow--region\">\u2794<\/span><\/div><\/div><div class=\"tt-body tt-to\"><div class=\"tt-body-wrap\"><span class=\"tt-arrow\">\u2794<\/span><div>Thai Airways (Royal Orchid Plus)<\/div><\/div><\/div><div class=\"tt-body tt-ratio\">1,000:1,000<\/div><div class=\"tt-body tt-mintransfer\">-<\/div><div class=\"tt-body tt-avg\"><div class=\"tt-avg-days\">3 days - 7 days<\/div><\/div><\/div><div class=\"tt-row\"><div class=\"tt-body tt-from\"><div class=\"tt-body-wrap\"><div><a href=\"https:\/\/awardwallet.com\/credit-cards\/citi-thankyou-rewards\/citi-transfer-partners\/?cid=transfer-times-transfer&mid=web\" target=\"_blank\" rel=\"noopener\">Citibank (ThankYou Rewards)<\/a><div class=\"tt-from-region\">United States<\/div><\/div><span class=\"tt-arrow tt-arrow--region\">\u2794<\/span><\/div><\/div><div class=\"tt-body tt-to\"><div class=\"tt-body-wrap\"><span class=\"tt-arrow\">\u2794<\/span><div>Turkish Airlines (Miles&Smiles)<\/div><\/div><\/div><div class=\"tt-body tt-ratio\">1,000:1,000<\/div><div class=\"tt-body tt-mintransfer\">-<\/div><div class=\"tt-body tt-avg\"><div class=\"tt-avg-days\">16 hours<\/div><\/div><\/div><div class=\"tt-row\"><div class=\"tt-body tt-from\"><div class=\"tt-body-wrap\"><div><a href=\"https:\/\/awardwallet.com\/credit-cards\/citi-thankyou-rewards\/citi-transfer-partners\/?cid=transfer-times-transfer&mid=web\" target=\"_blank\" rel=\"noopener\">Citibank (ThankYou Rewards)<\/a><div class=\"tt-from-region\">United States<\/div><\/div><span class=\"tt-arrow tt-arrow--region\">\u2794<\/span><\/div><\/div><div class=\"tt-body tt-to\"><div class=\"tt-body-wrap\"><span class=\"tt-arrow\">\u2794<\/span><div>Virgin Atlantic (Flying Club)<\/div><\/div><\/div><div class=\"tt-body tt-ratio\">1,000:1,300<div class=\"tt-bonus\"><a href=\"https:\/\/awardwallet.com\/news\/citi-thankyou-rewards\/virgin-atlantic-transfer-bonus\/\">30% transfer bonus through April 18, 2026<\/a>.<\/div><\/div><div class=\"tt-body tt-mintransfer\">-<\/div><div class=\"tt-body tt-avg\"><div class=\"tt-avg-immediate\">Immediate<\/div><\/div><\/div><div class=\"tt-row\"><div class=\"tt-body tt-from\"><div class=\"tt-body-wrap\"><div><a href=\"https:\/\/awardwallet.com\/credit-cards\/citi-thankyou-rewards\/citi-transfer-partners\/?cid=transfer-times-transfer&mid=web\" target=\"_blank\" rel=\"noopener\">Citibank (ThankYou Rewards)<\/a><div class=\"tt-from-region\">United States<\/div><\/div><span class=\"tt-arrow tt-arrow--region\">\u2794<\/span><\/div><\/div><div class=\"tt-body tt-to\"><div class=\"tt-body-wrap\"><span class=\"tt-arrow\">\u2794<\/span><div>Wyndham Rewards<\/div><\/div><\/div><div class=\"tt-body tt-ratio\">1,000:1,000<\/div><div class=\"tt-body tt-mintransfer\">-<\/div><div class=\"tt-body tt-avg\"><div class=\"tt-avg-unknown\">Unknown<\/div><\/div><\/div><\/div>\n<p><strong>Related:\u00a0<a target=\"_blank\" href=\"https:\/\/awardwallet.com\/credit-cards\/citi-thankyou-rewards\/how-to-transfer-citi-points\/\" rel=\"noopener\">How To Transfer Citi ThankYou<sup>\u00ae<\/sup> Points to Partners: A Step-By-Step Guide<\/a><\/strong><\/p>\n<h3><span id=\"Travel_rewards\"><strong>Travel rewards<\/strong><\/span><\/h3>\n<p>While transferring points to travel partners is our preferred way to maximize value per point, using points like cash rewards with Citi Travel is another solid option. To use your ThankYou points with the <a target=\"_blank\" href=\"https:\/\/awardwallet.com\/credit-cards\/citi-thankyou-rewards\/citi-travel-portal\/\" rel=\"noopener\">Citi Travel\u2120 Portal<\/a>, log in to the Citi Travel website (which you can do <a target=\"_blank\" href=\"https:\/\/www.citi.com\/travel-offers\/travel-login\" rel=\"noopener\">here<\/a>). Choose the type of travel you're looking for \u2014 not just flights and hotels but also car rentals and attractions. Enter the information for your trip, then select &#8220;search.&#8221;<\/p>\n<figure id=\"attachment_236483\" class=\"wp-caption aligncenter\"><img data-aspectratio=\"750\/209\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" class=\"wp-image-236483 lazyload\" data-src=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2025\/07\/Screenshot-2025-11-21-at-13.47.11.png\" alt=\"A screenshot of the Citi Travel homepage\" width=\"750\" height=\"209\" data-srcset=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2025\/07\/Screenshot-2025-11-21-at-13.47.11.png 2500w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2025\/07\/Screenshot-2025-11-21-at-13.47.11-750x209.png 750w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2025\/07\/Screenshot-2025-11-21-at-13.47.11-900x251.png 900w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2025\/07\/Screenshot-2025-11-21-at-13.47.11-768x214.png 768w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2025\/07\/Screenshot-2025-11-21-at-13.47.11-1536x429.png 1536w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2025\/07\/Screenshot-2025-11-21-at-13.47.11-2048x572.png 2048w\" sizes=\"(max-width: 750px) 100vw, 750px\" \/><center><em>Credit: Citi<\/em><\/enter><\/figure>\n<p>From here, choose the option that works for you. To redeem points for the transaction, you will first need to complete the checkout process by entering your personal information. When you reach the payment screen, there's a box at the top that allows you to choose how many of your Citi points, if any, you'd like to apply.<\/p>\n<figure id=\"attachment_236485\" class=\"wp-caption aligncenter\"><img data-aspectratio=\"750\/359\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" class=\"wp-image-236485 lazyload\" data-src=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2025\/07\/Screenshot-2025-11-21-at-13.50.25-scaled.png\" alt=\"A screenshot of a Citi Travel booking with points applied to the balance\" width=\"750\" height=\"359\" data-srcset=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2025\/07\/Screenshot-2025-11-21-at-13.50.25-scaled.png 2560w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2025\/07\/Screenshot-2025-11-21-at-13.50.25-750x359.png 750w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2025\/07\/Screenshot-2025-11-21-at-13.50.25-900x431.png 900w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2025\/07\/Screenshot-2025-11-21-at-13.50.25-768x368.png 768w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2025\/07\/Screenshot-2025-11-21-at-13.50.25-1536x736.png 1536w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2025\/07\/Screenshot-2025-11-21-at-13.50.25-2048x981.png 2048w\" sizes=\"(max-width: 750px) 100vw, 750px\" \/><center><em>Credit: Citi Travel<\/em><\/enter><\/figure>\n<p>If you don't have enough points for the entire cost of your booking in the travel portal, you can apply what you have and then pay the difference in cash. Citi ThankYou points are worth one cent per point when redeemed this way.<\/p>\n<h3><span id=\"Gift_cards_shopping_and_other_merchandise\">Gift cards, shopping, and other merchandise<\/span><\/h3>\n<p>If you'd like to use points for something other than travel, you have a few options. You can <a target=\"_blank\" href=\"https:\/\/www.thankyou.com\/cms\/thankyou\/swp.page?pageName=swp&src=TYUSENG\" rel=\"noopener\">shop with points<\/a>, including using them for both online and in-store purchases. Another unique option is that you can use your points to pay for gas at participating Amoco, BP, Murphy USA, and Shell stations.<\/p>\n<p>Furthermore, use your points to buy gift cards for dozens of retailers, including shops, restaurants, movie theaters, hotels, and more. Sometimes, you can catch a promo that offers a discount when <a target=\"_blank\" href=\"https:\/\/awardwallet.com\/news\/citi-thankyou-rewards\/redeem-for-gift-cards\/\" rel=\"noopener\">redeeming Citi points for certain gift cards<\/a>. This is a great option if you want to buy a gift for a loved one and keep your out-of-pocket costs low.<\/p>\n<p>Typically, a Citi ThankYou point is worth an average of one cent per point on these redemptions, but be sure to check the actual value you're getting at the time of redemption.<\/p>\n<h3><span id=\"Other_options\"><strong>Other options<\/strong><\/span><\/h3>\n<p>Finally, there are a few other ways to use your Citi ThankYou points. You can:<\/p>\n<ul>\n<li>Cash them out for a check in the mail.<\/li>\n<li>Redeem them for statement credits (essentially cash back).<\/li>\n<\/ul>\n<p>These redemption options typically make each ThankYou Point worth between 0.75 cents and 1 cent per point in value, so they're not the best use of your points. In contrast, <a target=\"_blank\" href=\"https:\/\/awardwallet.com\/point-mile-values\/ThankYou\" rel=\"noopener\">AwardWallet users typically redeem each Citi ThankYou Point at 2.3\u00a2 apiece<\/a> when they transfer points to redeem for hotel stays or flights.<\/p>\n<h2><span id=\"Final_Thoughts\">Final Thoughts<\/span><\/h2>\n<p>Citi ThankYou points are a great transferable points option. Luckily, if you want to earn Citi ThankYou points, you have several different credit cards available to you. A few don't charge an annual fee, and the ones that do provide plenty of benefits in exchange. If you are serious about earning ThankYou points, you can apply for several of the cards on this list to maximize your earning potential and return on day-to-day purchases.<\/p>\n<div class=\"compare-cards-wrap compare-count-cards-3 compare-p-citi\"><div class=\"compare-card\"><div class=\"compare-pre\"><div class=\"compare-image\"><div><img src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-src=\"https:\/\/cdn.nextinsure.com\/imaging\/opt\/11937075.png\" width=\"150\" alt=\"Citi Strata Premier\u00ae Card\" \/ class=\"lazyload\"><\/div><\/div><div class=\"compare-name\">Citi Strata Premier<sup>\u00ae<\/sup> Card<\/div><div class=\"compare-offer\"><strong>Welcome Offer<\/strong>\r\nEarn 60,000 bonus ThankYou<sup>\u00ae<\/sup> Points after spending $4,000 in the first 3 months of account opening, redeemable for $600 in gift cards or travel rewards at thankyou.com.<\/div><\/div><div class=\"compare-apply\"><a class=\"btn-use qs-apply-now\" title='Citi Strata Premier\u00ae Card' data-ccid=\"520083\" href=\"\/blog\/link\/CR-CitiPremierCard\" target=\"_blank\" rel=\"noopener nofollow sponsored\">Apply Now<\/a><\/div><div class=\"compare-fee-score\"><div class=\"compare-fee\"><strong>Annual Fee<\/strong><p>$95<span class=\"compare-terms\"><a data-ccid=\"520083\" href=\"https:\/\/click.linksynergy.com\/fs-bin\/click?id=a3pDkecFgAg&offerid=1978593.4328&type=3&subid=0\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a><\/span><\/p><\/div><div class=\"compare-rating compare-rating--5\"><strong>Credit Score<\/strong><p>Excellent, Good<\/p><\/div><\/div><div class=\"compare-earning\"><ul>\r\n<li>10X on Hotels, Car Rentals, and Attractions booked through CitiTravel.com<\/li>\r\n<li>3X \u2013 Earn 3 Points per $1 spent on Air Travel and Other Hotel Purchases<\/li>\r\n<li>3X \u2013 Earn 3 Points per $1 spent on Restaurants<\/li>\r\n<li>3X \u2013 Earn 3 Points per $1 spent on Supermarkets<\/li>\r\n<li>3X \u2013 Earn 3 Points per $1 spent on Gas and EV Charging Stations <\/li>\r\n<li>1X \u2013 Earn 1 Point per $1 spent on All Other Purchases<\/li>\r\n<\/ul><\/div><\/div><div class=\"compare-card\"><div class=\"compare-pre\"><div class=\"compare-image\"><div><img data-aspectratio=\"150\/95\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-src=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2025\/07\/CardArt-CitiStrataEliteCard.png\" width=\"150\" alt=\"Citi Strata Elite\u2120 Card\" \/ class=\"lazyload\"><\/div><\/div><div class=\"compare-name\">Citi Strata Elite\u2120 Card<\/div><div class=\"compare-offer\"><strong>Welcome Bonus<\/strong> Earn 75,000 bonus Points after spending $6,000 in the first 3 months of account opening. <\/div><\/div><div class=\"compare-apply\"><a class=\"btn-use qs-apply-now\" title='Citi Strata Elite\u2120 Card' data-ccid=\"242\" href=\"\/blog\/link\/CitiStrataElite?var2=ccid~242\" target=\"_blank\" rel=\"noopener nofollow sponsored\">Apply Now<\/a><\/div><div class=\"compare-fee-score\"><div class=\"compare-fee\"><strong>Annual Fee<\/strong><p>$595<span class=\"compare-terms\"><a data-ccid=\"242\" href=\"https:\/\/click.linksynergy.com\/fs-bin\/click?id=a3pDkecFgAg&offerid=1978593.4347&type=3&subid=0\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a><\/span><\/p><\/div><div class=\"compare-rating compare-rating--0\"><\/div><\/div><div class=\"compare-earning\"><ul>\r\n<li>12X \u2013 Earn 12 Points per $1 spent on Hotels, Car Rentals, and Attractions booked on cititravel.com.<\/li>\r\n<li>6X \u2013 Earn 6 Points per $1 spent on Air Travel booked on cititravel.com.<\/li>\r\n<li>6X \u2013 Earn 6 Points per $1 spent at Restaurants including Restaurant Delivery Services on CitiNights\u2120 purchases, every Friday and Saturday from 6 PM to 6 AM ET. Earn 3 Points per $1 spent any other time.<\/li>\r\n<li>1.5X \u2013 Earn 1.5 Points per $1 spent on All Other Purchases.<\/li>\r\n<\/ul><\/div><\/div><div class=\"compare-card\"><div class=\"compare-pre\"><div class=\"compare-image\"><div><img src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-src=\"https:\/\/cdn.nextinsure.com\/imaging\/opt\/12d797ee-967a-492c-afac-48873b260ebb.jpg\" width=\"150\" alt=\"Citi Double Cash\u00ae Card\" \/ class=\"lazyload\"><\/div><\/div><div class=\"compare-name\">Citi Double Cash<sup>\u00ae<\/sup> Card<\/div><div class=\"compare-offer\"><strong>Welcome Offer<\/strong>\r\nEarn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou<sup>\u00ae<\/sup> Points, which can be redeemed for $200 cash back. <\/div><\/div><div class=\"compare-apply\"><a class=\"btn-use qs-apply-now\" title='Citi Double Cash\u00ae Card' data-ccid=\"3002009\" href=\"\/blog\/link\/CR-CitiDoubleCashCard\" target=\"_blank\" rel=\"noopener nofollow sponsored\">Apply Now<\/a><\/div><div class=\"compare-fee-score\"><div class=\"compare-fee\"><strong>Annual Fee<\/strong><p>$0<span class=\"compare-terms\"><a data-ccid=\"3002009\" href=\"https:\/\/click.linksynergy.com\/fs-bin\/click?id=a3pDkecFgAg&offerid=951783.4206&type=3&subid=0\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a><\/span><\/p><\/div><div class=\"compare-rating compare-rating--9\"><strong>Credit Score<\/strong><p>Excellent, Good<\/p><\/div><\/div><div class=\"compare-earning\"><ul>\r\n<li>Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. To earn cash back, pay at least the minimum due on time.\r\n<br><br>\r\nPlus, earn 5% total cash back on hotel, car rentals and attractions booked with Citi Travel.<\/li>\r\n<\/ul><\/div><\/div><\/div>\n","protected":false},"excerpt":{"rendered":"<p>In the world of points and miles, there are many different types of points. We love flexible points that can be used in many different ways. 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