Citi
18+ transfer partners and exceptional everyday earning. The Strata Premier is your transfer hub. The Double Cash adds 2% on everything and converts to transferable ThankYou Points.
The cards in the Citi ecosystem
Every card below earns ThankYou Points, and the points pool into a single balance no matter which card earned them. The Strata Elite and Strata Premier and Citi Prestige act as the transfer hub card, where points become transferable to airline and hotel partners.
| Card | Role | Annual fee | Top earn | Welcome offer | |
|---|---|---|---|---|---|
| Citi Strata Elite℠ | Transfer hub | $595 | 750x on bonus | 75,000 ThankYou® Points | Apply |
| Citi Strata Premier℠ | Transfer hub | $95 | 600x on bonus | 60,000 ThankYou® Points | Apply |
| Citi Strata℠ | Earner | No annual fee | 200x on bonus | 20,000 ThankYou® Points ($200 value) | Apply |
| Citi Double Cash® | Earner | No annual fee | 200x on bonus | $200 cash back | Apply |
| Citi Custom Cash℠ Legacy | Earner | No annual fee | 5x on dining | No current offer | Closed |
| Citi Prestige® Card Legacy | Transfer hub | $495 | 5x on dining | No current offer | Closed |
| Citi Dividend® Card Legacy | Earner | No annual fee | 1x flat | No current offer | Closed |
See the full filtered list on the best Citi cards page. Offers verified June 2026 and valued at a flat 1 cent per point.
Transfer partners
Citi ThankYou Points transfer to the airline and hotel programs below, where the right redemption can push each point well past 1 cent. Learn the mechanics in transferable points explained and how to find award space.
Live transfer bonus right now: Qatar Airways +30% (ends June 30, 2026), Accor Live Limitless +50% (ends July 18, 2026). A bonus is free extra value when you already have an award in mind. How to use a transfer bonus.
The best earn-rate combination
The Double Cash + Strata Premier combo is one of the most underrated stacks out there. The Double Cash converts its rewards to transferable ThankYou Points once you hold the Strata Premier.
Put together, here is the card in the Citi lineup that earns the most in each everyday category, the backbone of an optimized Citi setup:
| Spending | Best card in the ecosystem | Rate |
|---|---|---|
| Groceries | Strata Premier | 3x |
| Dining | Strata Elite | 3x |
| Gas and EV charging | Strata Premier | 3x |
| Travel | Strata Premier | 3x |
| Streaming | Citi Strata | 3x |
| Everything else | Double Cash | 2x |
Application and welcome-bonus rules
Citi limits how often you can earn a welcome bonus within the same card family and spaces applications out, so opening two cards too close together, or a second card in a family before the cooling-off window passes, can void a bonus. Check the family timing rules before you apply for a second ThankYou card. Read the full Citi application rules.
Frequently asked questions
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