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$0
Annual Fee
30,000
ThankYou Points · Welcome Bonus
5X
Top Rate
Annual Fee
$0
Foreign Transaction Fee
3%
Network
Mastercard Standard
Rewards Currency
Citi ThankYou Rewards
Point Valuation
1.3–1.6 cpp (mid: 1.5)
Credit Required
Good to Excellent
30,000
ThankYou Points
$1,000
Spend Required
3 months
Time Period
| Category | Rate | Type | Booking Method | Cap | Notes |
|---|---|---|---|---|---|
| Travel | 5X | Core | portal | None | |
| Car Rentals Cititravelcom | 5X | Core | any | None | |
| Hotels Cititravelcom | 5X | Core | any | None | |
| Attractions Cititravelcom | 5X | Core | any | None | |
| Grocery Stores | 3X | Core | Any | None | |
| Gas Stations | 3X | Core | Any | None | |
| Transit | 3X | Core | Any | None | |
| Self Select | 3X | Core | Any | None | |
| Cosmetic Stores | 3X | Core | any | None | |
| Fitness Clubs | 3X | Core | any | None | |
| Live Entertainment | 3X | Core | any | None | |
| Pet Shops | 3X | Core | any | None | |
| Streaming | 3X | Core | any | None | |
| Dining | 2X | Core | Any | None | |
| All Other | 1X | Base | Any | None |
Benefits & Perks
Program & Transfers
Exclusive access to American Airlines awards
Citi ThankYou Points offer a unique position in the transferable currency landscape as the only program with American Airlines as a transfer partner. With 15 airline partners spanning all three major alliances and 5 hotel programs, ThankYou Points provide solid flexibility for award travel. The program requires a premium card (Strata Premier, Strata Elite, or Prestige) to unlock full 1:1 transfer ratios. Other ThankYou-earning cards receive reduced 0.7:1 ratios, making the premium cards essential for maximizing value. Transfers are instant to most partners, with a 1,000-point minimum in 1,000-point increments. While Citi offers fewer transfer bonuses than competitors, the exclusive American Airlines partnership and strong Star Alliance coverage make ThankYou Points valuable for specific redemption strategies, particularly for travelers based near American Airlines hubs.
Reviews & Analysis
| Publication | Rating | Rank | Notes |
|---|---|---|---|
| PointsNav | #84 of 119 |
The Citi Strata card is the no annual fee option that earns transferable ThankYou points. The tradeoff is a reduced transfer ratio compared to the Citi Strata Premier or Elite.
It’s helpful to have a no annual fee card that earns transferable ThankYou points. However, transfers are at a reduced ratio, so paying the $95 annual fee for the Citi Strata Premier is likely worth it to unlock full transfer ability.
Details & Terms
| Rule | Details |
|---|---|
| Citi 2/65 | You'll be declined if you apply for a third Citi card within 65 days |
| Citi 1/8 | You'll be declined if you apply for a second Citi card (business and/or personal) within 8 days |
| Citi 6/6 | You'll be declined if there are 6 or more hard inquiries on your credit report the past 6 months |
| Citi 5 Day Rule | You may be rejected when applying for a Citi credit card if your credit has been pulled within the last five days (by any bank). |
| 48 From Bonus | You will not be eligible for a signup bonus on the same card if you’ve received one for THAT card in the previous 48 months. |
| No 5/24 | Card approval not subject to 5-personal-cards-in-24-months rule |
| Purchase APR | 18.49%–28.49% (Variable) |
| Foreign Transaction Fee | 3% |
Media & Resources
| Source | Date | URL |
|---|---|---|
| — | — | View source |
| — | — | View source |
$0
Annual Fee
30,000
ThankYou Points · Welcome Bonus
5X
Top Rate
Annual Fee
$0
Foreign Transaction Fee
3%
Network
Mastercard Standard
Rewards Currency
Citi ThankYou Rewards
Point Valuation
1.3–1.6 cpp (mid: 1.5)
Credit Required
Good to Excellent
30,000
ThankYou Points
$1,000
Spend Required
3 months
Time Period
| Category | Rate | Type | Booking Method | Cap | Notes |
|---|---|---|---|---|---|
| Travel | 5X | Core | portal | None | |
| Car Rentals Cititravelcom | 5X | Core | any | None | |
| Hotels Cititravelcom | 5X | Core | any | None | |
| Attractions Cititravelcom | 5X | Core | any | None | |
| Grocery Stores | 3X | Core | Any | None | |
| Gas Stations | 3X | Core | Any | None | |
| Transit | 3X | Core | Any | None | |
| Self Select | 3X | Core | Any | None | |
| Cosmetic Stores | 3X | Core | any | None | |
| Fitness Clubs | 3X | Core | any | None | |
| Live Entertainment | 3X | Core | any | None | |
| Pet Shops | 3X | Core | any | None | |
| Streaming | 3X | Core | any | None | |
| Dining | 2X | Core | Any | None | |
| All Other | 1X | Base | Any | None |
Benefits & Perks
Program & Transfers
Exclusive access to American Airlines awards
Citi ThankYou Points offer a unique position in the transferable currency landscape as the only program with American Airlines as a transfer partner. With 15 airline partners spanning all three major alliances and 5 hotel programs, ThankYou Points provide solid flexibility for award travel. The program requires a premium card (Strata Premier, Strata Elite, or Prestige) to unlock full 1:1 transfer ratios. Other ThankYou-earning cards receive reduced 0.7:1 ratios, making the premium cards essential for maximizing value. Transfers are instant to most partners, with a 1,000-point minimum in 1,000-point increments. While Citi offers fewer transfer bonuses than competitors, the exclusive American Airlines partnership and strong Star Alliance coverage make ThankYou Points valuable for specific redemption strategies, particularly for travelers based near American Airlines hubs.
Reviews & Analysis
| Publication | Rating | Rank | Notes |
|---|---|---|---|
| PointsNav | #84 of 119 |
The Citi Strata card is the no annual fee option that earns transferable ThankYou points. The tradeoff is a reduced transfer ratio compared to the Citi Strata Premier or Elite.
It’s helpful to have a no annual fee card that earns transferable ThankYou points. However, transfers are at a reduced ratio, so paying the $95 annual fee for the Citi Strata Premier is likely worth it to unlock full transfer ability.
Details & Terms
| Rule | Details |
|---|---|
| Citi 2/65 | You'll be declined if you apply for a third Citi card within 65 days |
| Citi 1/8 | You'll be declined if you apply for a second Citi card (business and/or personal) within 8 days |
| Citi 6/6 | You'll be declined if there are 6 or more hard inquiries on your credit report the past 6 months |
| Citi 5 Day Rule | You may be rejected when applying for a Citi credit card if your credit has been pulled within the last five days (by any bank). |
| 48 From Bonus | You will not be eligible for a signup bonus on the same card if you’ve received one for THAT card in the previous 48 months. |
| No 5/24 | Card approval not subject to 5-personal-cards-in-24-months rule |
| Purchase APR | 18.49%–28.49% (Variable) |
| Foreign Transaction Fee | 3% |
Media & Resources
| Source | Date | URL |
|---|---|---|
| — | — | View source |
| — | — | View source |
$0
Annual Fee
30,000
ThankYou Points · Welcome Bonus
5X
Top Rate
Annual Fee
$0
Foreign Transaction Fee
3%
Network
Mastercard Standard
Rewards Currency
Citi ThankYou Rewards
Point Valuation
1.3–1.6 cpp (mid: 1.5)
Credit Required
Good to Excellent
30,000
ThankYou Points
$1,000
Spend Required
3 months
Time Period
| Category | Rate | Type | Booking Method | Cap | Notes |
|---|---|---|---|---|---|
| Travel | 5X | Core | portal | None | |
| Car Rentals Cititravelcom | 5X | Core | any | None | |
| Hotels Cititravelcom | 5X | Core | any | None | |
| Attractions Cititravelcom | 5X | Core | any | None | |
| Grocery Stores | 3X | Core | Any | None | |
| Gas Stations | 3X | Core | Any | None | |
| Transit | 3X | Core | Any | None | |
| Self Select | 3X | Core | Any | None | |
| Cosmetic Stores | 3X | Core | any | None | |
| Fitness Clubs | 3X | Core | any | None | |
| Live Entertainment | 3X | Core | any | None | |
| Pet Shops | 3X | Core | any | None | |
| Streaming | 3X | Core | any | None | |
| Dining | 2X | Core | Any | None | |
| All Other | 1X | Base | Any | None |
Benefits & Perks
Program & Transfers
Exclusive access to American Airlines awards
Citi ThankYou Points offer a unique position in the transferable currency landscape as the only program with American Airlines as a transfer partner. With 15 airline partners spanning all three major alliances and 5 hotel programs, ThankYou Points provide solid flexibility for award travel. The program requires a premium card (Strata Premier, Strata Elite, or Prestige) to unlock full 1:1 transfer ratios. Other ThankYou-earning cards receive reduced 0.7:1 ratios, making the premium cards essential for maximizing value. Transfers are instant to most partners, with a 1,000-point minimum in 1,000-point increments. While Citi offers fewer transfer bonuses than competitors, the exclusive American Airlines partnership and strong Star Alliance coverage make ThankYou Points valuable for specific redemption strategies, particularly for travelers based near American Airlines hubs.
Reviews & Analysis
| Publication | Rating | Rank | Notes |
|---|---|---|---|
| PointsNav | #84 of 119 |
The Citi Strata card is the no annual fee option that earns transferable ThankYou points. The tradeoff is a reduced transfer ratio compared to the Citi Strata Premier or Elite.
It’s helpful to have a no annual fee card that earns transferable ThankYou points. However, transfers are at a reduced ratio, so paying the $95 annual fee for the Citi Strata Premier is likely worth it to unlock full transfer ability.
Details & Terms
| Rule | Details |
|---|---|
| Citi 2/65 | You'll be declined if you apply for a third Citi card within 65 days |
| Citi 1/8 | You'll be declined if you apply for a second Citi card (business and/or personal) within 8 days |
| Citi 6/6 | You'll be declined if there are 6 or more hard inquiries on your credit report the past 6 months |
| Citi 5 Day Rule | You may be rejected when applying for a Citi credit card if your credit has been pulled within the last five days (by any bank). |
| 48 From Bonus | You will not be eligible for a signup bonus on the same card if you’ve received one for THAT card in the previous 48 months. |
| No 5/24 | Card approval not subject to 5-personal-cards-in-24-months rule |
| Purchase APR | 18.49%–28.49% (Variable) |
| Foreign Transaction Fee | 3% |
Media & Resources
| Source | Date | URL |
|---|---|---|
| — | — | View source |
| — | — | View source |
Combined Protection Value
$530,100
Coverage for accidental loss of life, limb, sight, speech or hearing during transit on common carriers
Coverage for trip cancellation due to illness, injury, or other covered emergencies
Monitor your credit file for suspicious activity with alerts for new inquiries, address changes, and accounts.
You won't be held responsible for unauthorized transactions made in store, online, or via mobile device.
With Citi Travel®, you can book flights, hotels, car rentals and attractions using your eligible Citi card, points or a combination of both. Citi
The ID Theft Protection program offered by Mastercard® helps eliminate the worry of identity theft by monitoring the information you choose to
Transfer your ThankYou Points to 22 leading loyalty programs for maximum value.
Most partners accept ThankYou Points at a 1:1 ratio with instant or near-instant transfers.
| Partner | Ratio | Transfer Time | Value Retained | Point Value |
|---|---|---|---|---|
| 1:1 | instant | — | — | |
| 1:1 | instant | — | — | |
| 1:1 | instant | — | 1.3 cpp | |
| 1:1 | instant | — | — | |
| 1:1 | instant | — | — | |
| Route / Property | Points | Book With | Cabin/Type | Value / Region |
|---|---|---|---|---|
| Domestic US in Economy | 4,600 | — | economy | united_states |
| Domestic US in Economy on American | 5,000 | — | economy | united_states |
| US to Europe in Economy | 6,000 | — | economy | europe |
| Carribean | 7,100 | — | — | — |
| US to South America in Economy | 7,100 | — | economy | south_america |
| Intra-Europe in Economy | 7,500 | — | economy | europe |
| Domestic US in Economy on a Partner | 7,500 | — | economy | united_states |
| Intra-Europe in Business | 8,000 | — | business | europe |
| US to Mexico in Economy on a Partner | 11,500 | — | economy | central_america |
| The Setai Hotel Miami Beach | 15,000 | — | — | united_states |
| Domestic US in First Class | 16,500 | — | first | united_states |
| Fifth Avenue Hotel | 16,500 | — | — | united_states |
| US to Iceland in Economy on a Partner | 17,000 | — | economy | europe |
| US to Hawaii in Economy | 20,000 | — | economy | united_states |
| US to Hawaii in Economy on a Partner | 20,500 | — | economy | united_states |
| Domestic US in Business | 22,000 | — | business | united_states |
| US to South America in Business | 22,500 | — | business | south_america |
| US to Japan in Economy | 25,000 | — | economy | asia |
| US to Northern Africa in Economy | 25,000 | — | economy | africa |
| US to Mexico in Business on a Partner | 30,000 | — | business | central_america |
Showing top 20 of 50 sweet spots
If you want to avoid an annual fee but still take advantage of Citi’s transfer partners, this is your only option. The card offers a 20,000-point welcome bonus after spending $1,000 in the first three months.
You can also earn bonus points in the following categories:
- 5x on hotels, car rentals, and attractions booked through the Citi Travel Portal
- 3x at grocery stores, select transit, gas and EV charging stations, and one eligible self-selected category
- 2x at restaurants
You can redeem points with Citi’s transfer partners, though most transfers occur at a 1:0.7 ratio. If you also hold a Citi Strata Premier or Citi Strata Elite card, you can combine points and transfer at the full 1:1 ratio. Even at the reduced rate, transferring points is usually a better value than redeeming for cash back, gift cards, shop-with-points options, or travel portal bookings.
This card may not be the right fit if:
- You want to be able to transfer at the full 1:1 ratio
- You want a larger signup bonus
**Citi points are increasing in value with the addition of American Airlines as a transfer partner, though limited partner-transfer cards still hold them back.**
- Only the Strata Premier and Strata Elite are worth it; they’re the only Citi cards with transferable miles to all partners and a 60k–80k point signup bonus.
- You can combine cash back points from other Citi cards with Strata Premier or Elite and then transfer to partners, but none of the cash back cards offer strong bonuses.
- Citi has expanded its transfer partner network, adding several high-value options it once lacked.
- Points are flexible with many airline partners, and Citi is the only credit card system that transfers to American Airlines.
There are two Citi cards that allow ThankYou points to transfer to partners at the full 1:1 ratio. We feel the $95 annual fee Citi Strata Premier is worth the extra cost compared to the no annual fee Strata card solely for full transfer access. The additional 40,000 welcome bonus points (60k after $4,000 in spending in 90 days) further increase its value.
You can also pair this card with other no annual fee Citi cards like the Custom Cash or Double Cash to earn ThankYou points at higher rates. Those points can be combined and transferred through the Strata Premier (or Elite) at the full 1:1 ratio.
If you want to step further into Citi’s ecosystem, the Citi Strata Elite sits at the top. It carries a $595 annual fee, but includes an 80,000-point welcome offer, multiple statement credits to help offset the fee, and four Admirals Club lounge passes each year.
Credit Utilization (60%)
Excludes earning value, lounge access, insurance, and elite status
Total Value Captured
$120
Annual Fee
-$0
Net Annual Value
+$120
Yes. ThankYou points are Citi’s rewards currency. You can redeem them for cash back at 1 cent per point, but if you have a card that earns transferable points, you can move them to an airline or hotel partner and redeem them for much more value.
They can be. Cash or statement credit redemptions give you 1¢ per point. Transferring points to an airline or hotel partner can unlock redemptions worth twice that amount or more, especially when you take advantage of partner sweet spots.
Yes. You can book flights through the Citi Travel Portal, but that’s usually poor value. If your card allows transfers, moving points to an airline partner typically gives you a much better return than booking through the portal at a simple 1:1 rate.
Yes. You can redeem points for a statement credit to help pay your bill. We only recommend this if you can’t pay your balance in full and would otherwise incur interest. Otherwise, transferring to an airline or hotel partner will give you better value.
Transferring to airline partners typically provides 1.5-2.5 cents per point in value, while the Citi Travel portal gives a flat 1 cent per point. Transfer to partners when booking premium cabin flights or finding sweet spot awards. Use the portal for simple domestic bookings where partner awards don't offer meaningful savings.
Only the Citi Strata Premier ($95/year), Citi Strata Elite ($595/year), and Citi Prestige ($495/year, no longer available to new applicants) unlock 1:1 transfer ratios. Other ThankYou-earning cards like the Double Cash, Custom Cash, and Strata transfer at a reduced 0.7:1 ratio.
Yes. You can combine all ThankYou points into one account, either on the ThankYou website or by calling. If you combine points into a Strata Premier, Strata Elite, or Prestige account, all combined points unlock 1:1 transfer ratios to airline and hotel partners.
No, ThankYou points do not expire as long as your account is open and in good standing. However, if you transfer points to another ThankYou member (up to 100,000 per calendar year), the received points expire 90 days after transfer.
The Citi quadfecta maximizes earning across categories: Strata Premier (3x dining, gas, groceries, airfare, hotels), Strata card (3x transit + 3x self-select category), Custom Cash (5x on top category up to $500/month), and Double Cash (2x on everything). All points pool to the premium card for 1:1 transfers at minimal annual fees.
Citi periodically offers transfer bonuses of 15-30% to select airline and hotel partners. These are limited-time promotions that give you extra miles or points when transferring. Common bonus partners include Air France-KLM Flying Blue, Avianca LifeMiles, Virgin Atlantic Flying Club, and Wyndham Rewards.
Combined Protection Value
$530,100
Coverage for accidental loss of life, limb, sight, speech or hearing during transit on common carriers
Coverage for trip cancellation due to illness, injury, or other covered emergencies
Monitor your credit file for suspicious activity with alerts for new inquiries, address changes, and accounts.
You won't be held responsible for unauthorized transactions made in store, online, or via mobile device.
With Citi Travel®, you can book flights, hotels, car rentals and attractions using your eligible Citi card, points or a combination of both. Citi
The ID Theft Protection program offered by Mastercard® helps eliminate the worry of identity theft by monitoring the information you choose to
Transfer your ThankYou Points to 22 leading loyalty programs for maximum value.
Most partners accept ThankYou Points at a 1:1 ratio with instant or near-instant transfers.
| Partner | Ratio | Transfer Time | Value Retained | Point Value |
|---|---|---|---|---|
| 1:1 | instant | — | — | |
| 1:1 | instant | — | — | |
| 1:1 | instant | — | 1.3 cpp | |
| 1:1 | instant | — | — | |
| 1:1 | instant | — | — | |
| Route / Property | Points | Book With | Cabin/Type | Value / Region |
|---|---|---|---|---|
| Domestic US in Economy | 4,600 | — | economy | united_states |
| Domestic US in Economy on American | 5,000 | — | economy | united_states |
| US to Europe in Economy | 6,000 | — | economy | europe |
| Carribean | 7,100 | — | — | — |
| US to South America in Economy | 7,100 | — | economy | south_america |
| Intra-Europe in Economy | 7,500 | — | economy | europe |
| Domestic US in Economy on a Partner | 7,500 | — | economy | united_states |
| Intra-Europe in Business | 8,000 | — | business | europe |
| US to Mexico in Economy on a Partner | 11,500 | — | economy | central_america |
| The Setai Hotel Miami Beach | 15,000 | — | — | united_states |
| Domestic US in First Class | 16,500 | — | first | united_states |
| Fifth Avenue Hotel | 16,500 | — | — | united_states |
| US to Iceland in Economy on a Partner | 17,000 | — | economy | europe |
| US to Hawaii in Economy | 20,000 | — | economy | united_states |
| US to Hawaii in Economy on a Partner | 20,500 | — | economy | united_states |
| Domestic US in Business | 22,000 | — | business | united_states |
| US to South America in Business | 22,500 | — | business | south_america |
| US to Japan in Economy | 25,000 | — | economy | asia |
| US to Northern Africa in Economy | 25,000 | — | economy | africa |
| US to Mexico in Business on a Partner | 30,000 | — | business | central_america |
Showing top 20 of 50 sweet spots
If you want to avoid an annual fee but still take advantage of Citi’s transfer partners, this is your only option. The card offers a 20,000-point welcome bonus after spending $1,000 in the first three months.
You can also earn bonus points in the following categories:
- 5x on hotels, car rentals, and attractions booked through the Citi Travel Portal
- 3x at grocery stores, select transit, gas and EV charging stations, and one eligible self-selected category
- 2x at restaurants
You can redeem points with Citi’s transfer partners, though most transfers occur at a 1:0.7 ratio. If you also hold a Citi Strata Premier or Citi Strata Elite card, you can combine points and transfer at the full 1:1 ratio. Even at the reduced rate, transferring points is usually a better value than redeeming for cash back, gift cards, shop-with-points options, or travel portal bookings.
This card may not be the right fit if:
- You want to be able to transfer at the full 1:1 ratio
- You want a larger signup bonus
**Citi points are increasing in value with the addition of American Airlines as a transfer partner, though limited partner-transfer cards still hold them back.**
- Only the Strata Premier and Strata Elite are worth it; they’re the only Citi cards with transferable miles to all partners and a 60k–80k point signup bonus.
- You can combine cash back points from other Citi cards with Strata Premier or Elite and then transfer to partners, but none of the cash back cards offer strong bonuses.
- Citi has expanded its transfer partner network, adding several high-value options it once lacked.
- Points are flexible with many airline partners, and Citi is the only credit card system that transfers to American Airlines.
There are two Citi cards that allow ThankYou points to transfer to partners at the full 1:1 ratio. We feel the $95 annual fee Citi Strata Premier is worth the extra cost compared to the no annual fee Strata card solely for full transfer access. The additional 40,000 welcome bonus points (60k after $4,000 in spending in 90 days) further increase its value.
You can also pair this card with other no annual fee Citi cards like the Custom Cash or Double Cash to earn ThankYou points at higher rates. Those points can be combined and transferred through the Strata Premier (or Elite) at the full 1:1 ratio.
If you want to step further into Citi’s ecosystem, the Citi Strata Elite sits at the top. It carries a $595 annual fee, but includes an 80,000-point welcome offer, multiple statement credits to help offset the fee, and four Admirals Club lounge passes each year.
Credit Utilization (60%)
Excludes earning value, lounge access, insurance, and elite status
Total Value Captured
$120
Annual Fee
-$0
Net Annual Value
+$120
Yes. ThankYou points are Citi’s rewards currency. You can redeem them for cash back at 1 cent per point, but if you have a card that earns transferable points, you can move them to an airline or hotel partner and redeem them for much more value.
They can be. Cash or statement credit redemptions give you 1¢ per point. Transferring points to an airline or hotel partner can unlock redemptions worth twice that amount or more, especially when you take advantage of partner sweet spots.
Yes. You can book flights through the Citi Travel Portal, but that’s usually poor value. If your card allows transfers, moving points to an airline partner typically gives you a much better return than booking through the portal at a simple 1:1 rate.
Yes. You can redeem points for a statement credit to help pay your bill. We only recommend this if you can’t pay your balance in full and would otherwise incur interest. Otherwise, transferring to an airline or hotel partner will give you better value.
Transferring to airline partners typically provides 1.5-2.5 cents per point in value, while the Citi Travel portal gives a flat 1 cent per point. Transfer to partners when booking premium cabin flights or finding sweet spot awards. Use the portal for simple domestic bookings where partner awards don't offer meaningful savings.
Only the Citi Strata Premier ($95/year), Citi Strata Elite ($595/year), and Citi Prestige ($495/year, no longer available to new applicants) unlock 1:1 transfer ratios. Other ThankYou-earning cards like the Double Cash, Custom Cash, and Strata transfer at a reduced 0.7:1 ratio.
Yes. You can combine all ThankYou points into one account, either on the ThankYou website or by calling. If you combine points into a Strata Premier, Strata Elite, or Prestige account, all combined points unlock 1:1 transfer ratios to airline and hotel partners.
No, ThankYou points do not expire as long as your account is open and in good standing. However, if you transfer points to another ThankYou member (up to 100,000 per calendar year), the received points expire 90 days after transfer.
The Citi quadfecta maximizes earning across categories: Strata Premier (3x dining, gas, groceries, airfare, hotels), Strata card (3x transit + 3x self-select category), Custom Cash (5x on top category up to $500/month), and Double Cash (2x on everything). All points pool to the premium card for 1:1 transfers at minimal annual fees.
Citi periodically offers transfer bonuses of 15-30% to select airline and hotel partners. These are limited-time promotions that give you extra miles or points when transferring. Common bonus partners include Air France-KLM Flying Blue, Avianca LifeMiles, Virgin Atlantic Flying Club, and Wyndham Rewards.
Combined Protection Value
$530,100
Coverage for accidental loss of life, limb, sight, speech or hearing during transit on common carriers
Coverage for trip cancellation due to illness, injury, or other covered emergencies
Monitor your credit file for suspicious activity with alerts for new inquiries, address changes, and accounts.
You won't be held responsible for unauthorized transactions made in store, online, or via mobile device.
With Citi Travel®, you can book flights, hotels, car rentals and attractions using your eligible Citi card, points or a combination of both. Citi
The ID Theft Protection program offered by Mastercard® helps eliminate the worry of identity theft by monitoring the information you choose to
Transfer your ThankYou Points to 22 leading loyalty programs for maximum value.
Most partners accept ThankYou Points at a 1:1 ratio with instant or near-instant transfers.
| Partner | Ratio | Transfer Time | Value Retained | Point Value |
|---|---|---|---|---|
| 1:1 | instant | — | — | |
| 1:1 | instant | — | — | |
| 1:1 | instant | — | 1.3 cpp | |
| 1:1 | instant | — | — | |
| 1:1 | instant | — | — | |
| Route / Property | Points | Book With | Cabin/Type | Value / Region |
|---|---|---|---|---|
| Domestic US in Economy | 4,600 | — | economy | united_states |
| Domestic US in Economy on American | 5,000 | — | economy | united_states |
| US to Europe in Economy | 6,000 | — | economy | europe |
| Carribean | 7,100 | — | — | — |
| US to South America in Economy | 7,100 | — | economy | south_america |
| Intra-Europe in Economy | 7,500 | — | economy | europe |
| Domestic US in Economy on a Partner | 7,500 | — | economy | united_states |
| Intra-Europe in Business | 8,000 | — | business | europe |
| US to Mexico in Economy on a Partner | 11,500 | — | economy | central_america |
| The Setai Hotel Miami Beach | 15,000 | — | — | united_states |
| Domestic US in First Class | 16,500 | — | first | united_states |
| Fifth Avenue Hotel | 16,500 | — | — | united_states |
| US to Iceland in Economy on a Partner | 17,000 | — | economy | europe |
| US to Hawaii in Economy | 20,000 | — | economy | united_states |
| US to Hawaii in Economy on a Partner | 20,500 | — | economy | united_states |
| Domestic US in Business | 22,000 | — | business | united_states |
| US to South America in Business | 22,500 | — | business | south_america |
| US to Japan in Economy | 25,000 | — | economy | asia |
| US to Northern Africa in Economy | 25,000 | — | economy | africa |
| US to Mexico in Business on a Partner | 30,000 | — | business | central_america |
Showing top 20 of 50 sweet spots
If you want to avoid an annual fee but still take advantage of Citi’s transfer partners, this is your only option. The card offers a 20,000-point welcome bonus after spending $1,000 in the first three months.
You can also earn bonus points in the following categories:
- 5x on hotels, car rentals, and attractions booked through the Citi Travel Portal
- 3x at grocery stores, select transit, gas and EV charging stations, and one eligible self-selected category
- 2x at restaurants
You can redeem points with Citi’s transfer partners, though most transfers occur at a 1:0.7 ratio. If you also hold a Citi Strata Premier or Citi Strata Elite card, you can combine points and transfer at the full 1:1 ratio. Even at the reduced rate, transferring points is usually a better value than redeeming for cash back, gift cards, shop-with-points options, or travel portal bookings.
This card may not be the right fit if:
- You want to be able to transfer at the full 1:1 ratio
- You want a larger signup bonus
**Citi points are increasing in value with the addition of American Airlines as a transfer partner, though limited partner-transfer cards still hold them back.**
- Only the Strata Premier and Strata Elite are worth it; they’re the only Citi cards with transferable miles to all partners and a 60k–80k point signup bonus.
- You can combine cash back points from other Citi cards with Strata Premier or Elite and then transfer to partners, but none of the cash back cards offer strong bonuses.
- Citi has expanded its transfer partner network, adding several high-value options it once lacked.
- Points are flexible with many airline partners, and Citi is the only credit card system that transfers to American Airlines.
There are two Citi cards that allow ThankYou points to transfer to partners at the full 1:1 ratio. We feel the $95 annual fee Citi Strata Premier is worth the extra cost compared to the no annual fee Strata card solely for full transfer access. The additional 40,000 welcome bonus points (60k after $4,000 in spending in 90 days) further increase its value.
You can also pair this card with other no annual fee Citi cards like the Custom Cash or Double Cash to earn ThankYou points at higher rates. Those points can be combined and transferred through the Strata Premier (or Elite) at the full 1:1 ratio.
If you want to step further into Citi’s ecosystem, the Citi Strata Elite sits at the top. It carries a $595 annual fee, but includes an 80,000-point welcome offer, multiple statement credits to help offset the fee, and four Admirals Club lounge passes each year.
Credit Utilization (60%)
Excludes earning value, lounge access, insurance, and elite status
Total Value Captured
$120
Annual Fee
-$0
Net Annual Value
+$120
Yes. ThankYou points are Citi’s rewards currency. You can redeem them for cash back at 1 cent per point, but if you have a card that earns transferable points, you can move them to an airline or hotel partner and redeem them for much more value.
They can be. Cash or statement credit redemptions give you 1¢ per point. Transferring points to an airline or hotel partner can unlock redemptions worth twice that amount or more, especially when you take advantage of partner sweet spots.
Yes. You can book flights through the Citi Travel Portal, but that’s usually poor value. If your card allows transfers, moving points to an airline partner typically gives you a much better return than booking through the portal at a simple 1:1 rate.
Yes. You can redeem points for a statement credit to help pay your bill. We only recommend this if you can’t pay your balance in full and would otherwise incur interest. Otherwise, transferring to an airline or hotel partner will give you better value.
Transferring to airline partners typically provides 1.5-2.5 cents per point in value, while the Citi Travel portal gives a flat 1 cent per point. Transfer to partners when booking premium cabin flights or finding sweet spot awards. Use the portal for simple domestic bookings where partner awards don't offer meaningful savings.
Only the Citi Strata Premier ($95/year), Citi Strata Elite ($595/year), and Citi Prestige ($495/year, no longer available to new applicants) unlock 1:1 transfer ratios. Other ThankYou-earning cards like the Double Cash, Custom Cash, and Strata transfer at a reduced 0.7:1 ratio.
Yes. You can combine all ThankYou points into one account, either on the ThankYou website or by calling. If you combine points into a Strata Premier, Strata Elite, or Prestige account, all combined points unlock 1:1 transfer ratios to airline and hotel partners.
No, ThankYou points do not expire as long as your account is open and in good standing. However, if you transfer points to another ThankYou member (up to 100,000 per calendar year), the received points expire 90 days after transfer.
The Citi quadfecta maximizes earning across categories: Strata Premier (3x dining, gas, groceries, airfare, hotels), Strata card (3x transit + 3x self-select category), Custom Cash (5x on top category up to $500/month), and Double Cash (2x on everything). All points pool to the premium card for 1:1 transfers at minimal annual fees.
Citi periodically offers transfer bonuses of 15-30% to select airline and hotel partners. These are limited-time promotions that give you extra miles or points when transferring. Common bonus partners include Air France-KLM Flying Blue, Avianca LifeMiles, Virgin Atlantic Flying Club, and Wyndham Rewards.
Extends warranties of 3 years or less by 1 year. Up to $10,000 per claim and $50,000 annually
Protection for eligible items against accidental damage or theft within 90 days of purchase
Report lost or stolen cards 24/7 and get emergency card replacement and cash advance assistance worldwide.
Get free access to your FICO® Score online to review your credit history.
Items purchased with your card are covered against damage or theft for 45 days, up to $100 per claim.
| 1:1 |
| instant |
| 88% |
| — |
| 5:4 | instant | 81% | 1.35 cpp |
| 1:1 | instant | 81% | 1.4 cpp |
| 1:1 | instant | 81% | — |
| 1:1 | instant | 75% | — |
| 1:1 | instant | 75% | — |
| 1:1 | instant | 69% | — |
| 1:1 | instant | 63% | — |
| Partner | Ratio | Transfer Time | Value Retained | Point Value |
|---|---|---|---|---|
| 1:1 | instant | — | — | |
| 5:4 | instant | — | 1 cpp | |
| 5:1 | instant | 100% | — | |
| 2:3 | instant | 88% | 0.6 cpp | |
| 2:1 | instant | 69% | 2 cpp |
| Partner | Ratio | Transfer Time | Value Retained | Point Value |
|---|---|---|---|---|
turkish_miles_and_smiles | 1:1 | instant | — | — |
| 1:1 | instant | — | — | |
cathay_pacific_asia_miles | 1:1 | instant | — | — |
air_france_klm_flying_blue | 1:1 | instant | 81% | — |
Extends warranties of 3 years or less by 1 year. Up to $10,000 per claim and $50,000 annually
Protection for eligible items against accidental damage or theft within 90 days of purchase
Report lost or stolen cards 24/7 and get emergency card replacement and cash advance assistance worldwide.
Get free access to your FICO® Score online to review your credit history.
Items purchased with your card are covered against damage or theft for 45 days, up to $100 per claim.
| 1:1 |
| instant |
| 88% |
| — |
| 5:4 | instant | 81% | 1.35 cpp |
| 1:1 | instant | 81% | 1.4 cpp |
| 1:1 | instant | 81% | — |
| 1:1 | instant | 75% | — |
| 1:1 | instant | 75% | — |
| 1:1 | instant | 69% | — |
| 1:1 | instant | 63% | — |
| Partner | Ratio | Transfer Time | Value Retained | Point Value |
|---|---|---|---|---|
| 1:1 | instant | — | — | |
| 5:4 | instant | — | 1 cpp | |
| 5:1 | instant | 100% | — | |
| 2:3 | instant | 88% | 0.6 cpp | |
| 2:1 | instant | 69% | 2 cpp |
| Partner | Ratio | Transfer Time | Value Retained | Point Value |
|---|---|---|---|---|
turkish_miles_and_smiles | 1:1 | instant | — | — |
| 1:1 | instant | — | — | |
cathay_pacific_asia_miles | 1:1 | instant | — | — |
air_france_klm_flying_blue | 1:1 | instant | 81% | — |
Extends warranties of 3 years or less by 1 year. Up to $10,000 per claim and $50,000 annually
Protection for eligible items against accidental damage or theft within 90 days of purchase
Report lost or stolen cards 24/7 and get emergency card replacement and cash advance assistance worldwide.
Get free access to your FICO® Score online to review your credit history.
Items purchased with your card are covered against damage or theft for 45 days, up to $100 per claim.
| 1:1 |
| instant |
| 88% |
| — |
| 5:4 | instant | 81% | 1.35 cpp |
| 1:1 | instant | 81% | 1.4 cpp |
| 1:1 | instant | 81% | — |
| 1:1 | instant | 75% | — |
| 1:1 | instant | 75% | — |
| 1:1 | instant | 69% | — |
| 1:1 | instant | 63% | — |
| Partner | Ratio | Transfer Time | Value Retained | Point Value |
|---|---|---|---|---|
| 1:1 | instant | — | — | |
| 5:4 | instant | — | 1 cpp | |
| 5:1 | instant | 100% | — | |
| 2:3 | instant | 88% | 0.6 cpp | |
| 2:1 | instant | 69% | 2 cpp |
| Partner | Ratio | Transfer Time | Value Retained | Point Value |
|---|---|---|---|---|
turkish_miles_and_smiles | 1:1 | instant | — | — |
| 1:1 | instant | — | — | |
cathay_pacific_asia_miles | 1:1 | instant | — | — |
air_france_klm_flying_blue | 1:1 | instant | 81% | — |
