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PROGRAMME PROFILE

Citi ThankYou Rewards

Citi ThankYou Rewards is the points programme linked to Citi credit cards in the United States, through which cardholders earn ThankYou Points on eligible spending and can use them for travel, shopping, gift cards, cash back or transfers to airline and hotel partners. [5] [6]

Facts checked: 18 October 2026

Key takeaways

  • ThankYou Points are earned on eligible card spending and can be redeemed through Citi Travel, at participating merchants, for gift cards or cash back, or transferred to listed airline and hotel partners. [5] [6]
  • Earning rates are card-specific: the Citi Strata Premier and Citi Strata pages list different multipliers and different annual fees. [5] [6]
  • The minimum transfer is 1,000 points. [5] [6]

The programme and its cards

ThankYou Rewards is the rewards programme behind the Citi Strata Premier Card and the Citi Strata Card. [5] [6]

At the card level, the Citi Strata Premier Card has a $95 annual fee, while the Citi Strata Card has no annual fee. [5] [6] The Citi Strata Premier page states that there is no limit to the amount of points earned with that card and that points earned do not expire. [5]

For background on the flexible-points model, see flexible points.

Earning points

On the Citi Strata Premier Card, the published earning rates are 10 points per dollar on hotels, car rentals and attractions booked on cititravel.com; 3 points per dollar on air travel and other hotel purchases; 3 points per dollar at restaurants; 3 points per dollar at supermarkets; 3 points per dollar on gas and EV charging stations; and 1 point per dollar on all other purchases. [5]

On the Citi Strata Card, the rates are 5 points per dollar on hotels, car rentals and attractions booked on cititravel.com; 3 points per dollar at supermarkets; 3 points per dollar on gas and EV charging and select transit; 3 points per dollar in an eligible Self-Select category; 2 points per dollar at restaurants; and 1 point per dollar on all other purchases. [6] The Self-Select categories are fitness clubs, select streaming services, live entertainment, cosmetic stores, barber shops and hair salons, or pet supply stores, and Select Streaming Services is the default when the account opens. [6] The primary cardmember may change the Self-Select category once each calendar quarter, and the change takes effect the following day at 12 AM Central Time. [6]

Because the two cards list different multipliers, the pages describe card-specific earning rather than a single programme-wide rate. [5] [6]

Transfers to partners

Both pages list points transfer to American Airlines, JetBlue, Virgin Atlantic, Cathay, Eva Air, Choice Hotels, The Leading Hotels of the World and others. [5] [6] Both pages state that the minimum transfer is 1,000 points. [5] [6]

For definitions of the limits that commonly apply, see minimum transfer, transfer ratio and transfer time.

Redeeming points

ThankYou Points can be used through Citi Travel to book flights, hotels, car rentals and experiences. [5] [6] Citi Travel allows bookings with an eligible Citi card, points or a combination of both, and the Citi Strata Premier page describes access to more than 1.4 million hotels and resorts worldwide. [5] [6]

Points can also be used at participating merchants such as Amazon, PayPal and CVS, and for gift cards, cash back and other rewards at thankyou.com. [5] [6] Redemptions can be made online or through the ThankYou Service Center, but only select items are redeemable by phone. [5] [6]

For the general measure, see cents per point, and for a step-by-step guide, see redeem Citi ThankYou Rewards.

Exceptions and limits

  • The main limit is scope: the two card pages describe card-specific earning and benefits, not a single tariff for all ThankYou accounts. [5] [6] The Citi Strata Premier page's statements that points do not expire and that there is no earning limit apply to that card, while the Citi Strata page checked here publishes neither rule. [5] [6]
  • The minimum transfer of 1,000 points applies on both pages, and phone redemption is limited to select items. [5] [6]
  • On the Citi Strata Card, the Self-Select category can be changed once each calendar quarter, with the change effective the following day at 12 AM Central Time. [6] The Citi Strata Premier Card has a $95 annual fee, while the Citi Strata Card has no annual fee. [5] [6]

Sources

Sources accessed on 18 October 2026. The profile covers Citi ThankYou Rewards as described on the Citi Strata Premier and Citi Strata card pages in the United States; it does not cover Citi ThankYou programmes outside the United States, other Citi cards, or other issuers' transferable-points programmes such as American Express Membership Rewards and Chase Ultimate Rewards.

  1. Citi Strata Premier credit card page, checked 18 October 2026
  2. Citi Strata credit card page, checked 18 October 2026