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Citi Strata℠ Premier Credit Card image
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Citi Strata℠ Premier Credit Card

YBCC Card Rate Stars Filled
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(4.5) Our Review

Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.
Min Credit Score:
Good (670-739) *
Annual Fee:
$95 (Rates and fees)

🎁 Bonus offer

Earn 60,000 bonus 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

Bonus points for spend in the following bonus categories:

3 x
Airfare
Estimated Rewards Value: 5.1%
3 x
Gas Stations
Estimated Rewards Value: 5.1%
3 x
Dining Out / Food Delivery
Estimated Rewards Value: 5.1%
3 x
Hotels
Estimated Rewards Value: 5.1%
3 x
Groceries
Estimated Rewards Value: 5.1%
3 x
EV Charging
Estimated Rewards Value: 5.1%
1 x
Everything Else
Estimated Rewards Value: 1.7%
+
 more
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  • Earn triple points from five distinct spending categories from air travel and hotels to restaurants, supermarkets, gas stations
  • Trip Protection and Extended Warranty benefits
  • Citi ThankYou® points are extremely flexible, with the ability to utilize an array of more than 15 airline and two hotel transfer partners to get the most bang for your buck on travel

Pros

  • The $95 annual fee can be completely offset by the $100 hotel credit
  • Redeem Citi ThankYou® points for a variety of travel, including the ability to transfer points to more than 15 airline and hotel programs
  • Trip Protection and Extended Warranty benefits

Cons

  • Citi ThankYou® points doesn't have any domestic airline partners, but does have a unique range of airline and hotel partners.
  • Weaker on travel perks, with no airport lounge access or TSA PreCheck/Global Entry reimbursement
  • No domestic airline transfer partners
Annual Fee: $95
Foreign
Transaction Fee: 0%
Min Credit
Score: Good (670-739) *
Point
Value: $0.01-$0.017

ThankYou points have recently gained quite a bit of value with the ability to transfer to American Airlines' AAdvantage. Points can be combined among ThankYou earning cards. The value also assumes you will take advantage of transfer partners rather than book via the portal. You get a full 1:1 transfer ratio to most transfer partners when you have a Citi Strata Elite℠, Citi Prestige, or Citi Strata℠ Premier Credit Card. No fee Citi ThankYou cards transfer at a lower ratio - unless you have one of the aforementioned card as well in which case all points are pooled with the best features of all cards (i.e. 1:1 transfer ratios).

APR: 19.74%-27.74% (Variable)
Balance
transfer fees: Balance transfer fee applies with this offer 5% of each balance transfer; $5 minimum.
Author: Chris Dong
Editor: Dave Grossman
Total Rating:
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Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.
Last Updated: November 15, 2025
Intro bonus:
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Benefits:
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Year 1 tbd
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Atmos™ Rewards Ascent Visa Signature Card

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(4.1) Our Review

Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.
Min Credit Score:
Good (670-739) *
Annual Fee:
$95

🎁 Bonus offer

LIMITED TIME ONLINE OFFER - Buy One, Get One + 50,000 Bonus Miles! Buy one ticket, get one for just the taxes and fees ($0 fare plus taxes and fees from $23) and get 50,000 bonus miles with this offer. To qualify, make $3,000 or more in purchases within the first 90 days of opening your account.

Bonus points for spend in the following bonus categories:

Earn unlimited 3 miles for every $1 spent on eligible Alaska Airlines purchases; otherwise earn 1X

3 x
Airfare
Estimated Rewards Value: 5.1%

Including EV charging stations

2 x
Gas Stations
Estimated Rewards Value: 3.4%
2 x
Streaming Services
Estimated Rewards Value: 3.4%
2 x
Cable / Internet / Phone
Estimated Rewards Value: 3.4%

Including ride share, trains, even tolls and ferries

2 x
Transit
Estimated Rewards Value: 3.4%
2 x
EV Charging
Estimated Rewards Value: 3.4%
1 x
Everything Else
Estimated Rewards Value: 1.7%
+
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  • Earn Alaska's Famous Companion Fare ($99 fare plus taxes) after you spend $6,000 or more on purchases within the prior anniversary year.
  • 3x miles on Alaska flights; 2x miles on useful categories from gas and EV Charging to local transit; and 1x miles on all non-bonus purchases
  • A free checked bag on Alaska flights can save you at least $30 one-way. Multiply by that the number of Alaska flights you take in a year, and you could save hundreds! Available for co-applicants and authorized users when they book a reservation too!

Pros

  • Earn Alaska's Famous Companion Fare after you spend $6,000 or more on purchases within the prior anniversary year.
  • Rack up thousands of Alaska Airlines Mileage Plan miles from the welcome offer to Alaska Airlines purchases to everyday spend
  • Free checked bag and priority boarding for you and up to six travelers on the same reservation. Available for co-applicants and authorized users when they book a reservation too!

Cons

  • Earning rates could be more competitive to rival other airline and travel cards
  • The annual fee has recently increased from $79 to $95
  • The $100 lounge membership discount may not move the needle for you to purchase a membership that costs at least $550 per year
Annual Fee: $95
Foreign
Transaction Fee: 0%
Min Credit
Score: Good (670-739) *
Point
Value: $0.017

Alaska miles have a few things going for them that make them worth a bit more than the average mile, especially to Asia, Fiji, and the South Pacific where they still have separate charts with great rates on First and Business Class. However, since joining Oneworld, they are increasingly making awards more expensive as they integrate new programs. They also partner with luxury Taiwan based Starlux. Additionally, only Marriott points transfer to Alaska making them harder to acquire than most.

APR: 20.24%-28.24% (Variable)
Balance
transfer fees: 4% of the amount of each transaction
Author: Stella Shon
Editor: Dave Grossman
Total Rating:
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Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.
Last Updated: November 15, 2025
Intro bonus:
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Annual Fee:
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Benefits:
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Multipliers:
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💵 Your Projected Rewards Value
Year 1 tbd
Year 2 tbd
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Citi Strata℠ Card image
Card Details
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Citi Strata℠ Card

YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
(3.5) Our Review

Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.
Min Credit Score:
Good (670-739) *
Annual Fee:
$0

🎁 Bonus offer

There is no bonus offer at this time

Bonus points for spend in the following bonus categories:

3 x
Groceries
Estimated Rewards Value: 3%
3 x
Gas Stations
Estimated Rewards Value: 3%
3 x
EV Charging
Estimated Rewards Value: 3%
2 x
Dining Out / Food Delivery
Estimated Rewards Value: 2%
1 x
Everything Else
Estimated Rewards Value: 1%
+
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  • You can select your own bonus earning category from a list of options
  • Your points earned can be transferred to a variety of hotel and airline transfer partners
  • You won't pay an annual fee, making it an affordable option to have in your wallet

Pros

  • Impressive earning potential
  • Low intro APR on purchases and balance transfers
  • Decent welcome bonus

Cons

  • Charges foreign transaction fees
  • No insurance coverage
  • Transfer points to partners at a lower ratio than other Citi cards
Annual Fee: $0
Foreign
Transaction Fee: 3%
Min Credit
Score: Good (670-739) *
Point
Value: $0.01-$0.017

ThankYou points have recently gained quite a bit of value with the ability to transfer to American Airlines' AAdvantage. Points can be combined among ThankYou earning cards. The value also assumes you will take advantage of transfer partners rather than book via the portal. You get a full 1:1 transfer ratio to most transfer partners when you have a Citi Strata Elite℠, Citi Prestige, or Citi Strata℠ Premier Credit Card. No fee Citi ThankYou cards transfer at a lower ratio - unless you have one of the aforementioned card as well in which case all points are pooled with the best features of all cards (i.e. 1:1 transfer ratios).

APR: 0 % Intro APR (on purchases for 15 months, 18.74%-28.74% thereafter)
APR: 0% Intro APR (on balance transfers for 15 months, 18.74%-28.74% thereafter)
Balance
transfer fees: There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. A balance transfer fee of 5% of each transfer ($5 minimum) applies if completed after 4 months of account opening.
Author: Harrison Pierce
Editor: Dave Grossman
Total Rating:
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty

Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.
Last Updated: November 15, 2025
Intro bonus:
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Annual Fee:
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Benefits:
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Multipliers:
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Year 1 tbd
Year 2 tbd
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Citi Strata℠ Card

Annual fee
$0
Point value
$0.01 -
$0.017
Best Multiplier
3x Groceries
3x Gas Stations
+ 3 more

Bonus Offer

There is no bonus offer at this time

Card Details
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Citi Strata Elite℠

Annual fee
$595
Point value
$0.01 -
$0.017
Best Multiplier
12x Hotels
12x Car Rentals
+ 3 more

Bonus Offer

For a limited time, earn 100,000 bonus Points after spending $6,000 in the first 3 months of account opening.

Card Details
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Chase Sapphire Reserve for Business℠

Annual fee
$795
Point value
$0.01 -
$0.0175
Best Multiplier
8x Airfare
8x Hotels
+ 4 more

Bonus Offer

Earn 200,000 bonus points after you spend $30,000 on purchases in your first 6 months from account opening and with more than $2,500 in annual value, there's no competition.

Card Details Learn How to Apply
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A no annual fee credit card earning transferable points

Annual fee
$0
Point value
$0.01 -
$0.017
Best Multiplier

Bonus Offer

Click Learn How to Apply to See Offer

Card Details How to Apply
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A Very Premium Credit Card

Annual fee
$595
Point value
$0.01
Best Multiplier

Bonus Offer

Click Learn How to Apply to See Offer

Card Details Learn How To Apply
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Miles and Lounge Access

Annual fee
$595
Point value
$0.014
Best Multiplier

Bonus Offer

Click Learn How to Apply to See Offer

Card Details How to Apply
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Business Airline Credit Card Earning Valuable Miles for oneworld Flights

Annual fee
$95
Point value
$0.017
Best Multiplier

Bonus Offer

Click Learn How to Apply to See Offer

Card Details Learn How To Apply
View Table Image

Mid Tier Airline Credit Card Earning Valuable Miles for oneworld Flights

Annual fee
$350
Point value
$0.014
Best Multiplier

Bonus Offer

Click Learn How to Apply to See Offer

Card Details Learn How To Apply
View Table Image

Premium Airline Credit Card Earning Valuable Miles for oneworld Flights

Annual fee
$395
Point value
$0.017
Best Multiplier

Bonus Offer

Click Learn How to Apply to See Offer

Card Details Learn How To Apply
View Table Image

Airline Credit Card Earning Valuable Miles for oneworld Flights

Annual fee
$95
Point value
$0.017
Best Multiplier

Bonus Offer

Click Learn How to Apply to See Offer

Card Details Learn How To Apply

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Personalized rewards

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