{"id":220844,"date":"2025-08-20T18:00:15","date_gmt":"2025-08-20T18:00:15","guid":{"rendered":"https:\/\/awardwallet.com\/blog\/?p=220844\/"},"modified":"2026-04-08T14:20:50","modified_gmt":"2026-04-08T14:20:50","slug":"citi-strata-elite-2","status":"publish","type":"post","link":"https:\/\/awardwallet.com\/credit-cards\/citi-thankyou-rewards\/citi-strata-elite\/","title":{"rendered":"Citi Strata Elite\u2120 Card Review: Valuable Welcome Bonus, Lucrative Benefits, but Not Perfect"},"content":{"rendered":"<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>) is one of the newest premium credit cards to hit the market. It's a welcome addition to Citi's lineup &#8212; especially considering the premium Citi Prestige<sup>\u00ae<\/sup> Card hasn't been open to new applicants in several years.<\/p>\n<p>In exchange for a $595 annual fee, Citi Strata Elite cardholders can expect a suite of statement credits, access to the full 21 <a target=\"_blank\" href=\"\/credit-cards\/citi-thankyou-rewards\/citi-transfer-partners\/\" rel=\"noopener\">Citi transfer partners<\/a>, Priority Pass lounge access, and more. Here's everything you need to know about this card.<\/p>\n<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>\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=\"#Citi_Strata_Elite_Pros\">Citi Strata Elite Pros<\/a><\/li><li><a href=\"#Citi_Strata_Elite_Cons\">Citi Strata Elite Cons<\/a><\/li><li><a href=\"#Citi_Strata_Elite_Welcome_Offer\">Citi Strata Elite Welcome Offer<\/a><\/li><li><a href=\"#Citi_Strata_Elite_Benefits\">Citi Strata Elite Benefits<\/a><ul><li><a href=\"#Statement_credits\">Statement credits<\/a><\/li><li><a href=\"#Other_benefits\">Other benefits<\/a><\/li><li><a href=\"#Citigold_Benefits\">Citigold Benefits<\/a><\/li><\/ul><\/li><li><a href=\"#Citi_Strata_Elite_Earning_Rates\">Citi Strata Elite Earning Rates<\/a><\/li><li><a href=\"#Redeeming_Rewards_With_the_Citi_Strata_Elite\">Redeeming Rewards With the Citi Strata Elite<\/a><\/li><li><a href=\"#Application_Restrictions\">Application Restrictions<\/a><\/li><li><a href=\"#Cards_That_Compete_With_Citi_Strata_Elite\">Cards That Compete With Citi Strata Elite<\/a><\/li><li><a href=\"#Bottom_Line\">Bottom Line<\/a><\/li><\/ul><\/div>\n\n<h2><span id=\"Citi_Strata_Elite_Pros\">Citi Strata Elite Pros<\/span><\/h2>\n<ul>\n<li>Easy-to-use annual credits<\/li>\n<li>Unique benefits<\/li>\n<li>Excellent transfer partners<\/li>\n<\/ul>\n<h2><span id=\"Citi_Strata_Elite_Cons\">Citi Strata Elite Cons<\/span><\/h2>\n<ul>\n<li>Convoluted bonus categories<\/li>\n<li>High annual fee<\/li>\n<\/ul>\n<h2><span id=\"Citi_Strata_Elite_Welcome_Offer\">Citi Strata Elite Welcome Offer<\/span><\/h2>\n<p>New applicants for the Citi Strata Elite can earn <a href=\"\/credit-cards\/citi-thankyou-rewards\/citi-strata-elite-offer\/\">75,000 bonus Points<\/a> after spending $6,000 in the first 3 months of account opening.<\/p>\n<p>This offer's spending requirement should be achievable for many. As long as you can spend at least $2,000 on a credit card monthly.<\/p>\n<p>If you're wondering what this bonus might be worth, consider that AwardWallet users, on average, redeem Citi ThankYou<sup>\u00ae<\/sup> Rewards Points for an average of 2.3\u00a2 apiece. That makes the welcome offer worth $1,717 toward award travel, almost triple the annual fee.<\/p>\n<p><strong>Related: <a target=\"_blank\" href=\"\/credit-cards\/citi-thankyou-rewards\/sign-up-bonus-tracker\/\" rel=\"noopener\">How to Track Your Progress Toward a Citi Sign-up Bonus<\/a><\/strong><\/p>\n<h2><span id=\"Citi_Strata_Elite_Benefits\">Citi Strata Elite Benefits<\/span><\/h2>\n<p>Cardholders of the <a data-ccid=\"242\" href=\"\/blog\/link\/CitiStrataElite?var2=ccid~242\" rel=\"noopener nofollow sponsored\">Citi Strata Elite<\/a> receive several lucrative benefits to help justify the annual fee. While there are a few statement credits, it feels much less like a coupon book than its competitors, such as the <a data-ccid=\"4028089\" href=\"https:\/\/awardwallet.com\/credit-cards\/amex-membership-rewards\/amex-platinum\/\">American Express Platinum Card<sup>\u00ae<\/sup><\/a> or the <a data-ccid=\"4048084\" href=\"https:\/\/awardwallet.com\/credit-cards\/chase-ultimate-rewards\/sapphire-reserve\/\">Chase Sapphire Reserve<sup>\u00ae<\/sup><\/a> (<a data-ccid=\"4048084\" href=\"https:\/\/click.linksynergy.com\/fs-bin\/click?id=g3lR0xvjyAU&offerid=1975477.10005148&type=3&subid=0a7d0813b1016b6d85557fcce9680c6d0&subid=639396\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a>).<\/p>\n<figure id=\"attachment_144802\" class=\"wp-caption aligncenter\"><img data-aspectratio=\"600\/402\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" class=\"wp-image-144802 lazyload\" data-src=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/01\/AA-Admiral-Club-DCA.png\" alt=\"American Airlines Admirals Club at DCA\" width=\"600\" height=\"402\" data-srcset=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/01\/AA-Admiral-Club-DCA.png 2470w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/01\/AA-Admiral-Club-DCA-300x201.png 300w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/01\/AA-Admiral-Club-DCA-1024x686.png 1024w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/01\/AA-Admiral-Club-DCA-768x514.png 768w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/01\/AA-Admiral-Club-DCA-1536x1029.png 1536w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/01\/AA-Admiral-Club-DCA-2048x1371.png 2048w\" sizes=\"(max-width: 600px) 100vw, 600px\" \/><center><em>American Airlines Admirals Club at DCA. Credit: American Airlines<\/em><\/enter><\/figure>\n<h3><span id=\"Statement_credits\">Statement credits<\/span><\/h3>\n<p>Cardholders of the Citi Strata Elite can maximize the following statement credits:<\/p>\n<ul>\n<li>Up to $300 discount on a hotel stay of two nights or more each year when booked through CitiTravel.com<\/li>\n<li>Up to $200 in annual statement credits on your choice of up to two of the following brands: 1stDibs, American Airlines (exclusions apply), Best Buy<sup>\u00ae<\/sup>, Future Personal Training, and Live Nation (exclusions apply)<\/li>\n<li>Up to $200 Annual Blacklane<sup>\u00ae<\/sup> Credit (up to $100 on Blacklane purchases January through June and up to $100 July through December)<\/li>\n<li>Up to $120 Global Entry<sup>\u00ae<\/sup> or TSA PreCheck<sup>\u00ae<\/sup> Application Fee Credit<\/li>\n<\/ul>\n<h4>Annual hotel benefit<\/h4>\n<p>The <a target=\"_blank\" href=\"\/credit-cards\/citi-thankyou-rewards\/strata-elite-hotel-credit\/\" rel=\"noopener\">$300 annual hotel benefit<\/a> seems fairly easy to use \u2014 it's automatically applied to your reservation. If your total is less than $300, you can use the remaining amount for another reservation. The caveat is that you must book through Citi Travel, but that's doable once a year to save $300.<\/p>\n<h4>Annual Splurge Credit<\/h4>\n<p>The <a target=\"_blank\" href=\"\/credit-cards\/citi-thankyou-rewards\/strata-elite-splurge-credit\/\" rel=\"noopener\">$200 Annual Splurge Credit\u2120<\/a> is also a refreshing cardholder benefit. Instead of being tied to one merchant and doled out in monthly credits, you get up to $200 to use throughout the year how you see fit.<\/p>\n<p>Note that you must select up to two merchants by going to <a target=\"_blank\" href=\"http:\/\/citi.com\/splurgecredit\" rel=\"noopener\">citi.com\/splurgecredit<\/a> to be eligible to receive the credit. Also note that you cannot receive a Splurge Credit for Live Nation or Ticketmaster purchases for events outside of the U.S., so you can't buy tickets to a concert abroad.<\/p>\n<h4>Annual Blacklane credit<\/h4>\n<p>Of the Citi Strata Elite statement credits, the <a target=\"_blank\" href=\"\/credit-cards\/citi-thankyou-rewards\/strata-elite-blacklane-credit\/\" rel=\"noopener\">$200 Annual Blacklane credit<\/a> might be the least valuable one. Instead of being available all at once, it's doled out in two $100 semi-annual credits. So, while it's easy enough to use, you'll likely still need to pay money out of pocket.<\/p>\n<p>For example, a roughly 45-minute ride from the Charles de Gaulle airport (CDG) to the Eiffel Tower would cost a whopping 139.63 euros (roughly $163). Even with the $100 credit, you're paying roughly $63 for the ride given current exchange rates. An Uber might be pretty comparable, so you're essentially paying for a nicer car.<\/p>\n<figure id=\"attachment_221102\" class=\"wp-caption aligncenter\"><img data-aspectratio=\"750\/604\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" class=\"wp-image-221102 lazyload\" data-src=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2025\/08\/Screenshot-2025-08-05-at-15.20.53.png\" alt=\"A screenshot showing a fare from CDG to the Eiffel Tower using Blacklane chauffeur services. \" width=\"750\" height=\"604\" data-srcset=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2025\/08\/Screenshot-2025-08-05-at-15.20.53.png 2040w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2025\/08\/Screenshot-2025-08-05-at-15.20.53-300x242.png 300w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2025\/08\/Screenshot-2025-08-05-at-15.20.53-1024x825.png 1024w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2025\/08\/Screenshot-2025-08-05-at-15.20.53-768x619.png 768w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2025\/08\/Screenshot-2025-08-05-at-15.20.53-1536x1238.png 1536w\" sizes=\"(max-width: 750px) 100vw, 750px\" \/><center><em>Credit: Blacklane<\/em><\/enter><\/figure>\n<p>If you regularly use Blacklane, this is an exciting feature, but if not, you aren't getting a ton of added value.<\/p>\n<h3><span id=\"Other_benefits\">Other benefits<\/span><\/h3>\n<ul>\n<li>Priority Pass\u2122 Select membership<\/li>\n<li>4 <a target=\"_blank\" href=\"\/credit-cards\/citi-thankyou-rewards\/strata-elite-admirals-club-passes\/\" rel=\"noopener\">Admirals Club<sup>\u00ae<\/sup> Citi Strata Elite\u2120 Card Passes<\/a> each year<\/li>\n<li>Complimentary access to content and tutorials from Death & Co<sup>\u00ae<\/sup>, a leading cocktail institution<\/li>\n<li>Access to <a target=\"_blank\" href=\"\/credit-cards\/citi-thankyou-rewards\/the-reserve-by-citi-travel\/\" rel=\"noopener\">The Reserve by Citi Travel<sup>\u00ae<\/sup><\/a>, and benefits like a complimentary breakfast for two, free Wi-Fi, a $100 experience credit, early check-in, late check-out, and room upgrades (subject to availability)<\/li>\n<li>Travel protections like trip cancellation and interruption insurance, trip delay insurance, lost or damaged luggage coverage, and MasterRental coverage<\/li>\n<li>Opportunity to transfer points to several travel partners, <a target=\"_blank\" href=\"\/news\/citi-thankyou-rewards\/transfer-citi-points-american-airlines\/\" rel=\"noopener\">including American Airlines AAdvantage<\/a><\/li>\n<\/ul>\n<p>A Priority Pass Select membership is standard among cards at this price point. However, <a target=\"_blank\" href=\"\/travel\/priority-pass-lounges-guide\/\" rel=\"noopener\">Priority Pass lounges<\/a> aren't typically the nicest you'll find in any given airport. Since Citi doesn't have it's own collection of airport lounges like Chase, Capital One, and American Express, cardholders will want additional cards to pair with the Citi Strata Elite to round out lounge access opportunities.<\/p>\n<p>It does seem that Citi is trying to mitigate this pain point with the addition of four <a target=\"_blank\" href=\"\/airlines\/american-aadvantage\/admirals-club-access\/\" rel=\"noopener\">Admirals Club<\/a> passes each year. This is a great option for families \u2014 one adult can bring up to 3 children under 18 with them free of charge when using the Citi Strata Elite passes.<\/p>\n<p><strong>Related: <a target=\"_blank\" href=\"\/credit-cards\/citi-thankyou-rewards\/citi-transfer-partners\/\" rel=\"noopener\">Citi ThankYou Transfer Partners: Ultimate Guide to Best Transfer Partners<\/a><\/strong><\/p>\n<h3><span id=\"Citigold_Benefits\">Citigold Benefits<\/span><\/h3>\n<p>If you are a Citigold client, which means you maintain a minimum combined average monthly balance of at least $200,000 across deposit, retirement, and investment accounts, you will receive a $145 Banking Relationship Annual Credit. Citigold Private Clients, or members who maintain a minimum combined average monthly balance of at least $1,000,000 across eligible accounts, receive a $595 first year banking relationship credit, plus the $145 annual credit each year thereafter.<\/p>\n<p>You could potentially receive extra benefits as a Citi Strata Elite cardholder if your retirement and investment accounts are through Citi.<\/p>\n<h2><span id=\"Citi_Strata_Elite_Earning_Rates\">Citi Strata Elite Earning Rates<\/span><\/h2>\n<p>The earning potential for <a data-ccid=\"242\" href=\"\/blog\/link\/CitiStrataElite?var2=ccid~242\" rel=\"noopener nofollow sponsored\">Citi Strata Elite<\/a> cardholders is subpar. Frankly, you aren't going to want to use the Citi Strata Elite as your daily driver. That's because 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>The Citi Nights\u2120 earning rate is interesting if you're a relative night owl or regularly travel abroad \u2014 and remember to watch the clock. If you're using your card in France, for example, you'll only receive bonus points from midnight to noon on Saturday and Sunday. In Tokyo, your &#8220;Citi Nights&#8221; are from 7 AM to 7 PM on Saturday and Sunday.<\/p>\n<p>While 12 points per dollar on hotels and 6 points per dollar on flights might not seem like anything to scoff at, it's only available if you book through <a target=\"_blank\" href=\"\/credit-cards\/citi-thankyou-rewards\/citi-travel-portal\/\" rel=\"noopener\">Citi Travel<\/a>. It's disappointing to see another travel card offer bonus points almost exclusively on travel portal bookings.<\/p>\n<p>In short, you'll need to either book travel through the Citi Travel portal or dine during certain hours to get more than 1.5 points per dollar. Ideally, the Citi Strata Elite would feature another bonus point category on general travel purchases.<\/p>\n<figure id=\"attachment_194000\" class=\"wp-caption aligncenter\"><img data-aspectratio=\"600\/480\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" class=\"wp-image-194000 lazyload\" data-src=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2025\/01\/restaurant-449952_1920.jpg\" alt=\"Restaurant table set with glassware, plates, napkins, and cutlery\" width=\"600\" height=\"480\" data-srcset=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2025\/01\/restaurant-449952_1920.jpg 1000w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2025\/01\/restaurant-449952_1920-300x240.jpg 300w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2025\/01\/restaurant-449952_1920-768x614.jpg 768w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2025\/01\/restaurant-449952_1920-325x260.jpg 325w\" sizes=\"(max-width: 600px) 100vw, 600px\" \/><center><em>Earn bonus points at restaurants. Credit: Nenad Maric from Pixabay<\/em><\/enter><\/figure>\n<p><strong>Related: <a href=\"\/credit-cards\/citi-thankyou-rewards\/how-to-earn-citi-points\/\">How To Earn Citi ThankYou Points: Unlock The Rewards in 2025<\/a><\/strong><\/p>\n<h2><span id=\"Redeeming_Rewards_With_the_Citi_Strata_Elite\">Redeeming Rewards With the Citi Strata Elite<\/span><\/h2>\n<p>When you are ready to redeem your rewards, you have several options. You can use your points to book flights, hotels, car rentals, and attractions through Citi Travel. You can also redeem your ThankYou Points for gift cards, cash back, and more through <a target=\"_blank\" href=\"https:\/\/www.thankyou.com\/cms\/thankyou\/\" rel=\"noopener\">thankyou.com<\/a>.<\/p>\n<p>You'll get a valuation of just 1 cent per point (or less) when you redeem through Citi Travel or for gift cards and cash back. If you want to maximize your points, this isn't the best option.<\/p>\n<figure id=\"attachment_221114\" class=\"wp-caption aligncenter\"><img data-aspectratio=\"750\/230\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" class=\"wp-image-221114 lazyload\" data-src=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2025\/08\/Screenshot-2025-08-05-at-16.11.08.png\" alt=\"A screenshot of the Citi Travel homepage \" width=\"750\" height=\"230\" data-srcset=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2025\/08\/Screenshot-2025-08-05-at-16.11.08.png 1284w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2025\/08\/Screenshot-2025-08-05-at-16.11.08-300x92.png 300w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2025\/08\/Screenshot-2025-08-05-at-16.11.08-1024x313.png 1024w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2025\/08\/Screenshot-2025-08-05-at-16.11.08-768x235.png 768w\" sizes=\"(max-width: 750px) 100vw, 750px\" \/><center><em>Credit: Citi Travel<\/em><\/enter><\/figure>\n<p>The best use of your ThankYou Points is generally by taking advantage of transfer partners. As a <a data-ccid=\"242\" href=\"\/blog\/link\/CitiStrataElite?var2=ccid~242\" rel=\"noopener nofollow sponsored\">Citi Strata Elite<\/a> cardholder, you'll get access to the most transfer partners and best transfer ratios.<\/p>\n<p>Here's the list of partners you can initiate a transfer to:<\/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: <a target=\"_blank\" href=\"\/credit-cards\/citi-thankyou-rewards\/redeem-citi-points\/\" rel=\"noopener\">Best Ways to Redeem Citi ThankYou Points<\/a><\/strong><\/p>\n<h2><span id=\"Application_Restrictions\">Application Restrictions<\/span><\/h2>\n<p><a target=\"_blank\" href=\"\/credit-cards\/rewards-card-application-rules\/\" rel=\"noopener\">Citi's application rules and restrictions<\/a> are fairly vague. The issuer doesn't limit the number of cards you can hold at one time. Instead, Citi is more concerned with the overall amount of credit it is extending to you across all of your Citi cards.<\/p>\n<p>You can only apply to one personal card every eight days (no more than two in a 65-day period). You aren't eligible to earn a welcome bonus on the Citi Strata Elite if you have received a new account bonus on the card in the past 48 months. Since the card hasn't been out long, this isn't much of an issue now, but keep it in mind for the future.<\/p>\n<h2><span id=\"Cards_That_Compete_With_Citi_Strata_Elite\">Cards That Compete With Citi Strata Elite<\/span><\/h2>\n<p>If you don't think the <a data-ccid=\"242\" href=\"\/blog\/link\/CitiStrataElite?var2=ccid~242\" rel=\"noopener nofollow sponsored\">Citi Strata Elite<\/a> is right for you, there are plenty of other credit cards out there.<\/p>\n<ul>\n<li><strong>If you want a premium card with a lower lower annual fee, <\/strong>consider the <a data-ccid=\"4048272\" href=\"https:\/\/awardwallet.com\/credit-cards\/capital-one-rewards\/venture-x\/\">Capital One Venture X Rewards Credit Card<\/a>. With an annual fee of just $395, it offers several benefits, including a $300 annual travel credit on bookings made through Capital One Travel, access to Capital One lounges, anniversary bonus miles, and a higher base earning rate on everyday purchases.<\/li>\n<li><strong>If you want better lounge access,\u00a0<\/strong>consider the <a data-ccid=\"4028089\" href=\"https:\/\/awardwallet.com\/credit-cards\/amex-membership-rewards\/amex-platinum\/\">American Express Platinum Card<sup>\u00ae<\/sup><\/a>. Although it has a higher $895 annual fee (<a data-ccid=\"4028089\" href=\"https:\/\/www.americanexpress.com\/us\/credit-cards\/card-application\/apply\/prospect\/terms\/platinum-card\/91101-10-0#offer-terms\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a>), it comes with the best lounge access around through the Global Lounge Collection. You can visit American Express Centurion Lounges, Delta Sky Club<sup>\u00ae<\/sup> locations (visit limitations apply), Escape Lounges, the Plaza Premium Lounge network, and more. It also has a great earning rate on flights and hotels.<\/li>\n<li><strong>If you want higher earning rates on purchases,\u00a0<\/strong>you might be better off with the <a data-ccid=\"520083\" href=\"https:\/\/awardwallet.com\/credit-cards\/citi-thankyou-rewards\/citi-strata-premier\/\">Citi Strata Premier<sup>\u00ae<\/sup> Card<\/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>). Although it's not a premium credit card, it earns 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. It also comes with a $100 annual hotel benefit on stays of $500 or more booked through Citi Travel. With an annual fee of just $95, the Citi Strata Premier is hard to beat.<\/li>\n<\/ul>\n<p class=\"p1\"><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 data-aspectratio=\"150\/94\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-src=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2021\/11\/CardArt-CapitalOneVentureXRewardsCreditCard.png\" width=\"150\" alt=\"Capital One Venture X Rewards Credit Card\" \/ class=\"lazyload\"><\/div><\/div><div class=\"compare-name\">Capital One Venture X Rewards Credit Card<\/div><div class=\"compare-offer\"><strong>Welcome Bonus<\/strong> Earn 75,000 Miles when you spend $4,000 on purchases in the first 3 months from account opening<\/div><\/div><div class=\"compare-apply\"><a data-ccid=\"4048272\" class=\"btn-use qs-how-apply\" title='Capital One Venture X Rewards Credit Card' href=\"\/blog\/link\/CR-CapitalOneVentureXRewardsCreditCard\" target=\"_blank\" rel=\"noopener nofollow sponsored\">How to Apply<\/a><\/div><div class=\"compare-fee-score\"><div class=\"compare-fee\"><strong>Annual Fee<\/strong><p>$395<\/p><\/div><div class=\"compare-rating compare-rating--6\"><strong>Credit Score<\/strong><p>Excellent<\/p><\/div><\/div><div class=\"compare-earning\"><ul>\r\n<li>10X miles per $1 on hotels and rental cars booked via Capital One Travel<\/li>\r\n<li>5X miles per $1 on purchases through Capital One Entertainment<\/li>\r\n<li>5X miles per $1 on flights when booking via Capital One Travel<\/li>\r\n<li>5X miles per $1 on vacation rentals booked via Capital One Travel<\/li>\r\n<li>2X miles per $1 on all other eligible 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\/e6901d88-1a35-4373-b3e1-9a2a445490a0.png\" width=\"150\" alt=\"American Express Platinum Card\u00ae\" \/ class=\"lazyload\"><\/div><\/div><div class=\"compare-name\">American Express Platinum Card<sup>\u00ae<\/sup><\/div><div class=\"compare-offer\"><strong>Welcome Offer<\/strong>\r\nAs High As 175,000 points. Find Out Your Offer. You may be eligible for as high as 175,000 Membership Rewards<sup>\u00ae<\/sup> Points after spending $12,000 in eligible purchases on your new Card in your first 6 months of Membership. Welcome offers vary and you may not be eligible for an offer.<\/div><\/div><div class=\"compare-apply\"><a class=\"btn-use qs-how-apply\" title='American Express Platinum Card\u00ae' data-ccid=\"4028089\" href=\"\/blog\/link\/CR-ThePlatinumCardfromAmericanExpress\" target=\"_blank\" rel=\"noopener nofollow sponsored\">How to Apply<\/a><\/div><div class=\"compare-fee-score\"><div class=\"compare-fee\"><strong>Annual Fee<\/strong><p>$895<span class=\"compare-terms\"><a data-ccid=\"4028089\" href=\"https:\/\/www.americanexpress.com\/us\/credit-cards\/card-application\/apply\/prospect\/terms\/platinum-card\/91101-10-0#offer-terms\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a><br>(Terms apply)<\/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>Earn 5X points for flights booked directly with airlines or with American Express Travel<sup>\u00ae<\/sup> (up to $500,000 in purchases per calendar year).<\/li>\r\n<li>Earn 5X points on prepaid hotels booked with American Express Travel<sup>\u00ae<\/sup>.<\/li>\r\n<li>Earn  5X points on Fine Hotels + Resorts<sup>\u00ae<\/sup> and The Hotel Collection bookings.<\/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\/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><\/p>\n<p><strong>Related: <a target=\"_blank\" href=\"\/credit-cards\/best-premium-travel-credit-card\/\" rel=\"noopener\">Comparison of Premium Travel Rewards Credit Cards<\/a><\/strong><\/p>\n<h2><span id=\"Bottom_Line\">Bottom Line<\/span><\/h2>\n<p>The <a data-ccid=\"242\" href=\"\/blog\/link\/CitiStrataElite?var2=ccid~242\" rel=\"noopener nofollow sponsored\">Citi Strata Elite<\/a> is a solid premium rewards credit card &#8212; if you know how to maximize it. Although it's nice to see a 1.5x earning rate, this card still shouldn't be the one you should reach for every time you make a purchase. There are other cards &#8212; even in the Citi lineup &#8212; that have a better earning potential. So, at the very least, you'll get the best return on every dollar spent by pairing the Citi Strata Elite with something else.<\/p>\n<p>However, if you can maximize the statement credits, you'll easily outweigh the annual fee. Just make sure you pair it with a card with better earning potential.<\/p>\n<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>\n","protected":false},"excerpt":{"rendered":"<p>The Citi Strata Elite\u2120 Card provides plenty of premium value to justify the annual fee for most travelers, from valuable statement credits to premium travel perks. However, its bonus categories are a bit convoluted. Here&#8217;s our full review of this brand-new card.<\/p>\n","protected":false},"author":105,"featured_media":222948,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":"","_wpscppro_dont_share_socialmedia":null,"_wpscppro_custom_social_share_image":0,"_facebook_share_type":"default","_twitter_share_type":"default","_linkedin_share_type":"default","_pinterest_share_type":"default","_linkedin_share_type_page":"","_instagram_share_type":"default","_medium_share_type":"default","_threads_share_type":"","_google_business_share_type":"","_selected_social_profile":[],"_wpsp_enable_custom_social_template":false,"_wpsp_social_scheduling":{"enabled":false,"datetime":null,"platforms":[],"status":"template_only","dateOption":"today","timeOption":"now","customDays":"","customHours":"","customDate":"","customTime":"","schedulingType":"absolute"},"_wpsp_active_default_template":true},"categories":[12055],"tags":[12520,12620,12707,12785],"coauthors":[36518],"class_list":["post-220844","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-credit-cards","tag-card-benefits","tag-card-reviews","tag-citi-thankyou-rewards","tag-citibank"],"acf":[],"yoast_head":"<title>Citi Strata Elite Card Review: Lots of Benefits, Mediocre Earnings<\/title>\n<meta name=\"description\" content=\"The Citi Strata Elite\u2120 Card comes with a ton of benefits in exchange for a hefty annual fee. 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