Best Citi ThankYou Rewards Credit Cards

Here are the best Citi ThankYou Rewards credit card offers:

Citi Strata Elite℠ Card

Unlock Ultra‑Premium Rewards with the Citi Strata Elite℠ Card

80,000 bonus points after $4,000 in purchases within your first 3 months
12× points on hotels, car rentals & attractions booked through CitiTravel.com
6× points on airfare booked through CitiTravel.com
6× points on weekend dining (Friday & Saturday from 6 PM–6 AM ET)
3× points on restaurants any other time
1.5× points on all other purchases
Up to $300 annual hotel credit on two‑night bookings via CitiTravel.com
Up to $200 annual Splurge Credit℠ (choose two brands: 1stDibs, AA, Best Buy, personal training, Live Nation)
Up to $200 Blacklane^® chauffeur credit per year
Priority Pass™ Select lounge access plus four Admirals Club^® passes
Up to $120 Global Entry/TSA PreCheck^® credit every four years
No foreign transaction fees

Designed for discerning travelers, the Strata Elite℠ Card turbocharges your points on every journey and gourmet meal, then offsets its $595 fee with generous annual credits and premium lounge benefits. Redeem ThankYou^® Points for flights, hotels, gift cards or transfers to top airline and hotel partners—your next luxury experience is just a swipe away.

Terms apply. Bonus points, credits and benefits require qualifying spend and enrollment. See issuer for details.

Citi Strata Premier® Card

Supercharge Your Earning with the Citi Strata Premier^® Card

60,000 bonus points after spending $4,000 in the first 3 months
10X points on hotels, car rentals and attractions booked through CitiTravel.com
3X points on air travel, other hotel purchases, supermarkets, restaurants and gas & EV charging stations
1X point on all other purchases
$100 annual hotel benefit on a single $500+ stay booked via CitiTravel.com
No foreign transaction fees and no points expiration
$95 annual fee

Whether you’re packing your bags for an international adventure or filling up at the grocery store, the Citi Strata Premier^® Card rewards you richly across everyday essentials and travel purchases. Track your points in the Citi app, enjoy instant hotel savings, and leverage top transfer partners to unlock even more value.

Terms apply. Annual fee applies. Bonus points require minimum spend. See full terms for details.

Citi Strata℠ Card

Maximize Your Everyday & Travel Spend with the Citi Strata℠ Card

30,000 bonus points after $1,000 in purchases within 3 months
0% intro APR for 15 months on purchases & balance transfers
5× points on hotels, car rentals & attractions booked through CitiTravel.com
3× points at supermarkets, on select transit, gas & EV charging
3× points on your choice of
– Fitness clubs
– Select streaming services
– Live entertainment
– Cosmetic stores, barber shops & hair salons
– Pet supply stores
2× points at restaurants
1× point on all other purchases
No annual fee

Whether you’re stocking up at the grocery store, exploring a new city or treating yourself to a concert, the Citi Strata℠ Card delivers accelerated points where you spend most. Redeem ThankYou^® Points for travel, gift cards or statement credits—and transfer to partner programs for even more value.

Terms apply. Intro APR applies to purchases & balance transfers posted within first 60 days; ongoing APR 19.24%–29.24% variable. Balance transfer fee: 3% for transfers in first 4 months (min $5), then 5%. Foreign transaction fee: 3%. Bonus points require qualifying spend. See issuer for details.

Citi Custom Cash℠ Card

Earn Top-Tier Cash Back Automatically with the Citi Custom Cash^® Card

5% cash back on your highest eligible spend category each billing cycle (up to $500)
1% cash back on all other purchases
$200 welcome bonus after $1,500 spent within 6 months
0% intro APR on purchases and balance transfers for 15 months
No annual fee
Automatic category tracking—rewards adjust each cycle with no activation needed

Whether you’re filling up at the pump, grabbing groceries or streaming your favorite shows, this card matches your top spending category every month—so you always earn maximum cash back where it matters most. Redeem ThankYou^® Points as statement credits, direct deposits or gift cards with no minimums, and manage your account seamlessly in the Citi Mobile app.

Terms apply. 5% back on up to $500 in combined eligible purchases per billing cycle, then 1% back. Welcome bonus: 20,000 points (worth $200) after $1,500 spend in first 6 months. Intro APR and balance transfer offer subject to credit approval; fees apply. See issuer for details.

Citi® Double Cash Card

Unlock 2% Cash Back with the Citi Double Cash^® Card

2% cash back on all purchases: 1% when you buy, plus 1% as you pay
$200 cash back bonus after $1,500 in purchases within 6 months
0% intro APR on balance transfers for 18 months
No annual fee
3% foreign transaction fee

Perfect for simplifying your rewards, the Citi Double Cash^® Card delivers unlimited cash back on every dollar you spend and pay off. Redeem your ThankYou^® Points as statement credits, direct deposits or checks—all tracked easily in the Citi mobile app. Plus, use the introductory 0% APR period to consolidate balances and save on interest.

Terms apply. Balance transfer fee: 3% of each transfer (min $5) within first 4 months, then 5% thereafter. Intro APR applies to transfers completed within 4 months of account opening. See full terms for details.

FAQs About Citi ThankYou Rewards Credit Cards

What types of rewards can I earn with Citi ThankYou cards?

Citi ThankYou cards let you earn points instead of cash back. These points can be redeemed for travel bookings, gift cards, statement credits, or transferred to airline partners depending on the card and redemption option.

Can ThankYou points be transferred to travel partners?

Yes. Certain Citi ThankYou cards allow you to transfer points to airline partners, giving you access to better redemption value. However, eligibility to transfer and the list of partners depend on the specific card you hold.

Is there a minimum points balance for redemption?

Citi typically sets a minimum redemption threshold, often around a few hundred points. You can track your balance and available options online or in the Citi mobile app to know when you can start redeeming.

Do ThankYou Rewards points expire?

Yes, ThankYou points can expire after a period of inactivity, usually around 24 months. Keeping your card open and making at least one qualifying purchase annually prevents your points from lapsing.

How do I maximize points earning with Citi ThankYou cards?

Focus on spending categories where your card earns bonus rates, such as groceries, dining, or streaming. Use linked promotional offers and Citi’s ThankYou portal for travel to stretch your points further.

Can I combine ThankYou points from multiple Citi cards?

Yes, if you hold multiple Citi ThankYou-earning cards, you can pool points into a single account. This makes it easier to reach redemption thresholds and unlock greater value from joint point balances.

Are there redemption fees or restrictions to be aware of?

Most redemptions are free, but some partner transfers or luxury travel bookings may come with fees or slightly reduced point value. Always review the payout structure before completing a redemption to avoid surprises.