Page Contents<\/p>
- Citi Credit Card Lineup Overview<\/a><\/li>
- Best Citi Credit Card Combos<\/a>
- Dynamic duo: Citi Strata Premier\u00ae<\/sup> Card & Citi Double Cash\u00ae<\/sup> Card<\/a><\/li>
- Trifecta: Add a Citi Strata\u2120 Card<\/a><\/li>
- Quadfecta: Add a Citi Custom Cash\u00ae<\/sup> Card<\/a><\/li>
- Bonus for premium benefits: Add a Citi Strata Elite\u2120 Card<\/a><\/li><\/ul><\/li>
- Citi Credit Card Application Strategy<\/a>
- The bigger bonus play<\/a><\/li>
- Making the rewards worth more than advertised<\/a><\/li><\/ul><\/li>
- Final Thoughts<\/a><\/li><\/ul><\/div>\n\n
Citi Credit Card Lineup Overview<\/span><\/h2>\n
The Citi credit card lineup underwent some major changes in 2025. The issuer sunset the Citi Rewards+\u00ae<\/sup> Card, and introduced the no-annual-fee Citi Strata\u2120 Card<\/a> (Rates & Fees<\/a>) and the premium Citi Strata Elite\u2120 Card<\/a> (Rates & Fees<\/a>).<\/p>\n
These cards add fantastic benefits and earning opportunities that complement the mid-tier Citi Strata Premier\u00ae<\/sup> Card<\/a> (Rates & Fees<\/a>) beautifully.<\/p>\n
![\"Citi](\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\")
<\/div><\/div>Citi Strata\u2120 Card<\/div>Welcome Bonus<\/strong> Earn 20,000 bonus Points after spending $1,000 in the first 3 months of account opening.<\/div><\/div>Apply Now<\/a><\/div>Annual Fee<\/strong>$0Rates & Fees<\/a><\/span><\/p><\/div>
Credit Score<\/strong>Excellent, Good Credit<\/p><\/div><\/div>
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- 5X \u2013 Earn 5 ThankYou\u00ae<\/sup> Points for each $1 spent on Hotels, Car Rentals and Attractions booked on Citi Travel\u2120 via cititravel.com<\/li>\r\n
- 3X \u2013 Earn 3 ThankYou\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
- 3X \u2013 Earn 3 ThankYou\u00ae<\/sup> Points per $1 spent at Supermarkets<\/li>\r\n
- 3X \u2013 Earn 3 ThankYou\u00ae<\/sup> Points per $1 spent on Select Transit purchases<\/li>\r\n
- 3X \u2013 Earn 3 ThankYou\u00ae<\/sup> Points per $1 spent at Gas and EV Charging Stations<\/li>\r\n
- 2X \u2013 Earn 2 ThankYou\u00ae<\/sup> Points per $1 spent at Restaurants<\/li>\r\n
- 1X \u2013 Earn 1 ThankYou\u00ae<\/sup> Point per $1 spent on All Other Purchases<\/li>\r\n<\/ul><\/div><\/div>
<\/div><\/div>Citi Strata Premier\u00ae<\/sup> Card<\/div>Welcome Offer<\/strong>\r\nEarn 60,000 bonus ThankYou\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>Apply Now<\/a><\/div>Annual Fee<\/strong>$95Rates & Fees<\/a><\/span><\/p><\/div>
Credit Score<\/strong>Excellent, Good<\/p><\/div><\/div>
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- 10X on Hotels, Car Rentals, and Attractions booked through CitiTravel.com<\/li>\r\n
- 3X \u2013 Earn 3 Points per $1 spent on Air Travel and Other Hotel Purchases<\/li>\r\n
- 3X \u2013 Earn 3 Points per $1 spent on Restaurants<\/li>\r\n
- 3X \u2013 Earn 3 Points per $1 spent on Supermarkets<\/li>\r\n
- 3X \u2013 Earn 3 Points per $1 spent on Gas and EV Charging Stations <\/li>\r\n
- 1X \u2013 Earn 1 Point per $1 spent on All Other Purchases<\/li>\r\n<\/ul><\/div><\/div><\/div><\/div>Citi Strata Elite\u2120 Card<\/div>Welcome Bonus<\/strong> Earn 75,000 bonus Points after spending $6,000 in the first 3 months of account opening. <\/div><\/div>Apply Now<\/a><\/div>Annual Fee<\/strong>
$595Rates & Fees<\/a><\/span><\/p><\/div>
<\/div><\/div>- \r\n
- 12X \u2013 Earn 12 Points per $1 spent on Hotels, Car Rentals, and Attractions booked on cititravel.com.<\/li>\r\n
- 6X \u2013 Earn 6 Points per $1 spent on Air Travel booked on cititravel.com.<\/li>\r\n
- 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
- 1.5X \u2013 Earn 1.5 Points per $1 spent on All Other Purchases.<\/li>\r\n<\/ul><\/div><\/div><\/div>\n
In addition to introducing new credit cards, Citi made another important update. Now, all Citi ThankYou\u00ae<\/sup> Rewards Point<\/a>– and cash back-earning credit cards have access to Citi's 21 partner airlines and hotel programs<\/a>, albeit at different transfer ratios. The Citi Strata Premier, Citi Strata Elite, and Citi Prestige\u00ae<\/sup> Card (no longer open to new applicants) offer better transfer ratios than the no-annual-fee card options.<\/p>\n
For instance, if you want to transfer points to American Airlines<\/a>, you can transfer at a 1:1 ratio with the Citi Strata Premier and Citi Strata Elite. Although you can still make the transfer with the Citi Strata Card, Citi Double Cash\u00ae<\/sup> Card<\/a> (Rates & Fees<\/a>), or the Citi Custom Cash\u00ae<\/sup> Card<\/a>, you'll transfer at a ratio of 1:0.7.<\/p>\n
Credit: Jake Hough \/ Unsplash<\/em><\/enter><\/figure>\n Citi cardholders can also move points from one card to another or share points with others<\/a>. This means points earned via cards that have lower transfer ratios can be moved to the Citi Strata Premier or the Citi Strata Elite to extract maximum value.<\/p>\n
Related: How to Transfer Citi ThankYou Points<\/a><\/strong><\/p>\n
Best Citi Credit Card Combos<\/span><\/h2>\n
Each of Citi's cards offers its own bonus earning categories. When you make the right card pairings, you unlock some serious earning power from everyday spending and the ability to transfer your hard-earned points at the best rates.<\/p>\n
Below are examples of how holding multiple Citi credit cards leads to enhanced rewards on routine spending. Note that these examples do not represent the only Citi card combinations<\/a>.<\/p>\n
Dynamic duo: Citi Strata Premier\u00ae<\/sup> Card & Citi Double Cash\u00ae<\/sup> Card<\/span><\/h3>\n
This is the quintessential Citi credit card duo. The Citi Strata Premier<\/a> earns:<\/p>\n
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- 10X on Hotels, Car Rentals, and Attractions booked through CitiTravel.com<\/li>\r\n
- 3X \u2013 Earn 3 Points per $1 spent on Air Travel and Other Hotel Purchases<\/li>\r\n
- 3X \u2013 Earn 3 Points per $1 spent on Restaurants<\/li>\r\n
- 3X \u2013 Earn 3 Points per $1 spent on Supermarkets<\/li>\r\n
- 3X \u2013 Earn 3 Points per $1 spent on Gas and EV Charging Stations <\/li>\r\n
- 1X \u2013 Earn 1 Point per $1 spent on All Other Purchases<\/li>\r\n<\/ul>\n\n\n\nCiti Strata Premier\u00ae<\/sup> Card<\/div>\n<\/div>\n Apply Now<\/a><\/div>\nRates & Fees<\/a><\/span><\/div>\nWelcome Offer<\/strong>\r\nEarn 60,000 bonus ThankYou\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\n Citi Strata Premier\u00ae<\/sup> Card<\/strong>\nWelcome Offer<\/strong>\r\nEarn 60,000 bonus ThankYou\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>\nAnnual Fee:<\/strong>$95<\/b><\/div>\nShow more<\/a>Why We Like It<\/a>Highlights<\/a>Earning Rates<\/a>The Citi Strata Premier\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 gas & fuel purchases<\/a>. <\/div>
- Earn 60,000 bonus ThankYou\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>
- Earn 10 Points per $1 spent on Hotels, Car Rentals, and Attractions booked on CitiTravel.com. <\/li>
- Earn 3 Points per $1 on Air Travel and Other Hotel Purchases, at Restaurants, Supermarkets, Gas and EV Charging Stations. <\/li>
- Earn 1 Point per $1 spent on all other purchases.<\/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>
- No expiration and no limit to the amount of points you can earn with this card.<\/li>
- No Foreign Transaction Fees on purchases.<\/ul><\/div>
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- 10X on Hotels, Car Rentals, and Attractions booked through CitiTravel.com<\/li>\r\n
- 3X \u2013 Earn 3 Points per $1 spent on Air Travel and Other Hotel Purchases<\/li>\r\n
- 3X \u2013 Earn 3 Points per $1 spent on Restaurants<\/li>\r\n
- 3X \u2013 Earn 3 Points per $1 spent on Supermarkets<\/li>\r\n
- 3X \u2013 Earn 3 Points per $1 spent on Gas and EV Charging Stations <\/li>\r\n
- 1X \u2013 Earn 1 Point per $1 spent on All Other Purchases<\/li>\r\n<\/ul><\/div><\/div>\n <\/div>\n <\/div>\n
- Earn 60,000 bonus ThankYou\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>
- 3X \u2013 Earn 3 ThankYou\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
- Making the rewards worth more than advertised<\/a><\/li><\/ul><\/li>
- Trifecta: Add a Citi Strata\u2120 Card<\/a><\/li>
- Best Citi Credit Card Combos<\/a>
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<\/div><\/div>![\"Citi](\"https:\/\/cdn.nextinsure.com\/imaging\/opt\/11937075.png\")
<\/div><\/div>![\"Citi](\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2025\/07\/CardArt-CitiStrataEliteCard.png\")
<\/div><\/div>![\"Aerial](\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2025\/12\/American-Airlines-Featured-Jake-Hough-Unsplash.png\")