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This content is not provided by the issuer. Any opinions expressed are those of Your Best Credit Cards alone, and have not been reviewed, approved or otherwise endorsed by the issuer.

Citi Strata Elite℠

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(3.88) 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:
$595

🎁 Bonus offer

Earn 75,000 bonus points after spending $6,000 in the first 3 months
Get a 40% transfer bonus when you transfer Citi ThankYou to Turkish Miles&Smiles.

Transfer Bonus is on the Turkish Side
Offer expires on Aug 31, 2026

Get 40% extra Miles by converting your ThankYou® Points into Miles&Smiles Miles between August 1 – 30, 2026.

Max 50,000 Bonus Miles, miles credited later.

This bonus is entirely sponsored by Turkish Miles&Smiles and won’t show on the Citi ThankYou transfer partners page. See this page on Turkish Airlines’ website for all details.

Two salient notes: 1) This bonus is sponsored by Turkish, not Citi, and has a maximum of 50,000 Bonus Miles. 2) The terms state the bonus miles won’t appear until after the promotion ends which is the end of August. So while it’s true that a saver award from the US to Turkey on Turkish metal would only be around 47,000 Citi ThankYou points for 65,000 Turkish, it doesn’t quite work that way unless you can wait until early September to book and acknowledge there might not be any inventory. (Note that alert service Thrifty Traveler did flag a ton of 65,000 mile saver inventory just 3 days ago.)

One strategy could be to wait until Aug 31 to transfer (make sure you are subscribed to our free alerts that can be set to notify you two days before the offer ends).

Remember that Turkish miles “hard expire” after 3 years, so speculative transfers are strongly not advised. And they have devalued hard in the last couple of years. Where you used to be able to fly business class to Hawaii for 7,500 miles, the domestic chart now looks like this:

Contiguous US & Alaska Domestic Awards

  • Economy Class: 15,000 miles
  • Business Class: 22,500 miles

Hawaii Domestic Awards (From US Mainland)

  • Economy Class: 25,000 miles
  • Business Class: 40,000 miles
transfer-tooltip-ico
Subscribe to Transfer Bonus Notifications
Get a 10% transfer bonus when you transfer Citi ThankYou to Cathay Pacific Asia Miles.

Offer expires on Aug 28, 2026

You must register for the offer or you won’t get the bonus points.

Eligible US transfer partners are American Express, Brex, Capital One, Citi, Bilt, and Wells Fargo.

But this is not such a great promotion, as it’s limited to a max of 10,000 extra miles and you may not get the miles for up to 12 weeks! See below.

IMPORTANT NOTES: 

  • Your AsiaMiles account must be in the United States and you must register first (link above)
  • MAXIMUM BONUS = 10,000 miles: Eligible members will receive bonus miles equal to 10% of the Regular Miles earned from Eligible Transactions completed with Eligible Partners during the Promotional Period, up to a maximum of 10,000 bonus miles per eligible member. The maximum bonus applies across all participating partners combined.
  • Bonus miles will be credited to the eligible member’s Cathay Membership Programme account within approximately 12 weeks after the applicable Regular Miles have first been credited, verified, and processed by the relevant Eligible Partner.
  • While Cathay is great for booking its own premium seats (as well as JAL and other oneworld), note they just increased fuel surcharges. Price your award out before booking.
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Subscribe to Transfer Bonus Notifications
Get a 20% transfer bonus when you transfer Citi ThankYou to Air France/KLM Flying Blue.

Offer expires on Aug 22, 2026

Transfer ThankYou Points to Flying Blue Miles and receive a 20% bonus. Offer is valid for points transfers to Flying Blue Miles completed between 12:01 AM ET July 19, 2026, and 11:59 PM ET August 22, 2026.

These oddly timed transfer bonuses are the best reason to subscribe to our transfer bonus alerts, as who is going to remember that a bonus ends on the 22nd of a month? Yet we’ll send you automated reminders at 7 and 2 days to expiration based on your preferences.

As for the bonus itself, we just saw a 25% transfer bonus to Flying Blue from Amex last month and transfer bonuses are not infrequent. The biggest reason to consider to not transfer, though, might be the rumor about Japan Airlines becoming a Citi transfer partner. It’s completely a rumor for now, but if you log into your ThankYou account and go to your profile, the option to link your JAL Mileage Bank account is there, and why would it be there if it wasn’t a partnership in progress?

citi thank you jal Japan airlines

JAL is a fantastic program and would be huge win for Citi to add to ThankYou, although since becoming transfer partners with Bilt, Rove, and Capital One (they used to not partner with anyone by Marriott Bonvoy for transfers), we have seen availability dry up just a bit. I’m sure JAL will struggle a bit to toe the line between selling their miles and preserving award space availability. (It’s a difficult balance!) Still, if JAL does become a transfer partner, you may be inclined to save your ThankYou points vs. speculatively transfer for 20% bonus miles.

As for this bonus itself?

Flying Blue has some really good award rates at times, though they often fluctuate into the absurd. 60,000 points for Business class to/from Europe from the US is solid, but the surcharges have gotten way out of control (about $600 one way). Sometimes, the pricing is waaaaay over 60,000 points with the same surcharges, so we’d like to see them get this under control and it does make a speculative transfer harder to justify unless you have consistent personal success. With Tiffany Funk (former One Mile at a Time / Point.me) running the Flying Blue loyalty program since June, things are likely to improve. Those things definitely take some time to come to fruition.

Also, while Flying Blue miles expire, it’s a reasonable 24 months and any activity (such as a simple 1,000 point transfer in) will extend it. They used to have archaic rules where flight activity miles weren’t extended with other activity but they came to their senses a few months ago and it’s now simplified with all miles in one pool and all extended by any activity.

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Subscribe to Transfer Bonus Notifications

Bonus points for spend in the following bonus categories:

Earn 6 points per dollar spent at restaurants on Citi Nights℠ purchases, Friday and Saturday from 6 PM - 6 AM ET; otherwise earn 3X

3x-6x
Dining Out / Food Delivery
Estimated Rewards Value: 5.1%

Must be booked booked on cititravel.com to earn 12X; otherwise earn 1.5X

1.5x-12x
Hotels
Estimated Rewards Value: 2.55%

Must be booked booked on cititravel.com to earn 12X; otherwise earn 1.5X

1.5x-12x
Car Rentals
Estimated Rewards Value: 2.55%

Must be booked booked on cititravel.com to earn 6X; otherwise earn 1.5X

1.5x-6x
Airfare
Estimated Rewards Value: 2.55%
1.5x
Everything Else
Estimated Rewards Value: 2.55%
+
 more
  • Citi's ThankYou points now transfer to the American Airlines AAdvantage® program
  • Earn 12 points per dollar spent on Hotels, Car Rentals, and Attractions booked on cititravel.com
  • Receive 4 American Airlines Admirals Club® Lounge Access Passes each year

Pros

  • Citi's ThankYou points now transfer to the American Airlines AAdvantage® program
  • Earn 12 points per dollar spent on Hotels, Car Rentals, and Attractions booked on cititravel.com
  • Receive 4 American Airlines Admirals Club® Lounge Access Passes each year

Cons

  • High annual fee
  • No bonus multipliers on travel not booked in Citi's travel portal
  • 6X points on dining is limited to two 12 hour periods each week
Annual Fee: $595
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: 20.49%-28.49% (Variable)
Balance
transfer fees:
Balance transfer fee applies with this offer 5% of each balance transfer; $5 minimum.
Author: 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: August 13, 2026
Intro bonus:
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Annual Fee:
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Benefits:
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Multipliers:
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This content is not provided by the issuer. Any opinions expressed are those of Your Best Credit Cards alone, and have not been reviewed, approved or otherwise endorsed by the issuer.

Citi Strata℠ Premier Credit Card

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(4.45) 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:

🎁 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
Get a 40% transfer bonus when you transfer Citi ThankYou to Turkish Miles&Smiles.

Transfer Bonus is on the Turkish Side
Offer expires on Aug 31, 2026

Get 40% extra Miles by converting your ThankYou® Points into Miles&Smiles Miles between August 1 – 30, 2026.

Max 50,000 Bonus Miles, miles credited later.

This bonus is entirely sponsored by Turkish Miles&Smiles and won’t show on the Citi ThankYou transfer partners page. See this page on Turkish Airlines’ website for all details.

Two salient notes: 1) This bonus is sponsored by Turkish, not Citi, and has a maximum of 50,000 Bonus Miles. 2) The terms state the bonus miles won’t appear until after the promotion ends which is the end of August. So while it’s true that a saver award from the US to Turkey on Turkish metal would only be around 47,000 Citi ThankYou points for 65,000 Turkish, it doesn’t quite work that way unless you can wait until early September to book and acknowledge there might not be any inventory. (Note that alert service Thrifty Traveler did flag a ton of 65,000 mile saver inventory just 3 days ago.)

One strategy could be to wait until Aug 31 to transfer (make sure you are subscribed to our free alerts that can be set to notify you two days before the offer ends).

Remember that Turkish miles “hard expire” after 3 years, so speculative transfers are strongly not advised. And they have devalued hard in the last couple of years. Where you used to be able to fly business class to Hawaii for 7,500 miles, the domestic chart now looks like this:

Contiguous US & Alaska Domestic Awards

  • Economy Class: 15,000 miles
  • Business Class: 22,500 miles

Hawaii Domestic Awards (From US Mainland)

  • Economy Class: 25,000 miles
  • Business Class: 40,000 miles
transfer-tooltip-ico
Subscribe to Transfer Bonus Notifications
Get a 10% transfer bonus when you transfer Citi ThankYou to Cathay Pacific Asia Miles.

Offer expires on Aug 28, 2026

You must register for the offer or you won’t get the bonus points.

Eligible US transfer partners are American Express, Brex, Capital One, Citi, Bilt, and Wells Fargo.

But this is not such a great promotion, as it’s limited to a max of 10,000 extra miles and you may not get the miles for up to 12 weeks! See below.

IMPORTANT NOTES: 

  • Your AsiaMiles account must be in the United States and you must register first (link above)
  • MAXIMUM BONUS = 10,000 miles: Eligible members will receive bonus miles equal to 10% of the Regular Miles earned from Eligible Transactions completed with Eligible Partners during the Promotional Period, up to a maximum of 10,000 bonus miles per eligible member. The maximum bonus applies across all participating partners combined.
  • Bonus miles will be credited to the eligible member’s Cathay Membership Programme account within approximately 12 weeks after the applicable Regular Miles have first been credited, verified, and processed by the relevant Eligible Partner.
  • While Cathay is great for booking its own premium seats (as well as JAL and other oneworld), note they just increased fuel surcharges. Price your award out before booking.
transfer-tooltip-ico
Subscribe to Transfer Bonus Notifications
Get a 20% transfer bonus when you transfer Citi ThankYou to Air France/KLM Flying Blue.

Offer expires on Aug 22, 2026

Transfer ThankYou Points to Flying Blue Miles and receive a 20% bonus. Offer is valid for points transfers to Flying Blue Miles completed between 12:01 AM ET July 19, 2026, and 11:59 PM ET August 22, 2026.

These oddly timed transfer bonuses are the best reason to subscribe to our transfer bonus alerts, as who is going to remember that a bonus ends on the 22nd of a month? Yet we’ll send you automated reminders at 7 and 2 days to expiration based on your preferences.

As for the bonus itself, we just saw a 25% transfer bonus to Flying Blue from Amex last month and transfer bonuses are not infrequent. The biggest reason to consider to not transfer, though, might be the rumor about Japan Airlines becoming a Citi transfer partner. It’s completely a rumor for now, but if you log into your ThankYou account and go to your profile, the option to link your JAL Mileage Bank account is there, and why would it be there if it wasn’t a partnership in progress?

citi thank you jal Japan airlines

JAL is a fantastic program and would be huge win for Citi to add to ThankYou, although since becoming transfer partners with Bilt, Rove, and Capital One (they used to not partner with anyone by Marriott Bonvoy for transfers), we have seen availability dry up just a bit. I’m sure JAL will struggle a bit to toe the line between selling their miles and preserving award space availability. (It’s a difficult balance!) Still, if JAL does become a transfer partner, you may be inclined to save your ThankYou points vs. speculatively transfer for 20% bonus miles.

As for this bonus itself?

Flying Blue has some really good award rates at times, though they often fluctuate into the absurd. 60,000 points for Business class to/from Europe from the US is solid, but the surcharges have gotten way out of control (about $600 one way). Sometimes, the pricing is waaaaay over 60,000 points with the same surcharges, so we’d like to see them get this under control and it does make a speculative transfer harder to justify unless you have consistent personal success. With Tiffany Funk (former One Mile at a Time / Point.me) running the Flying Blue loyalty program since June, things are likely to improve. Those things definitely take some time to come to fruition.

Also, while Flying Blue miles expire, it’s a reasonable 24 months and any activity (such as a simple 1,000 point transfer in) will extend it. They used to have archaic rules where flight activity miles weren’t extended with other activity but they came to their senses a few months ago and it’s now simplified with all miles in one pool and all extended by any activity.

transfer-tooltip-ico
Subscribe to Transfer Bonus Notifications

Bonus points for spend in the following bonus categories:

3x
Airfare
Estimated Rewards Value: 5.1%
3x
Gas Stations
Estimated Rewards Value: 5.1%
3x
Dining Out / Food Delivery
Estimated Rewards Value: 5.1%

Earn 10 Points per $1 spent on Hotels, Car Rentals, and Attractions booked on CitiTravel.com; Otherwise earn 3X

3x-10x
Hotels
Estimated Rewards Value: 5.1%
3x
Supermarkets
Estimated Rewards Value: 5.1%
3x
EV Charging
Estimated Rewards Value: 5.1%

Earn 10 Points per $1 spent on Hotels, Car Rentals, and Attractions booked on CitiTravel.com; Otherwise earn 1X

1x-10x
Car Rentals
Estimated Rewards Value: 1.7%
1x
Everything Else
Estimated Rewards Value: 1.7%
+
 more
  • 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: 19.49%-27.49% (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: August 13, 2026
Intro bonus:
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Annual Fee:
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Benefits:
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Multipliers:
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This content is not provided by the issuer. Any opinions expressed are those of Your Best Credit Cards alone, and have not been reviewed, approved or otherwise endorsed by the issuer.

Citi Custom Cash℠ Card

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(3.93) 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

Earn $200 in cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.

Bonus points for spend in the following bonus categories:

5x
Airfare
Estimated Rewards Value: 5%
5x
Transit
Estimated Rewards Value: 5%
5x
Car Rentals
Estimated Rewards Value: 5%
5x
Gas Stations
Estimated Rewards Value: 5%
5x
Dining Out / Food Delivery
Estimated Rewards Value: 5%
5x
Hotels
Estimated Rewards Value: 5%
5x
Gym Memberships
Estimated Rewards Value: 5%
5x
Streaming Services
Estimated Rewards Value: 5%
5x
Drugstores
Estimated Rewards Value: 5%
5x
Entertainment (Concerts / Shows / Movies)
Estimated Rewards Value: 5%
5x
Supermarkets
Estimated Rewards Value: 5%
1x
Everything Else
Estimated Rewards Value: 1%
+
 more
  • The Citi Custom Cash rewards you with 5% cash back on your top spending category each month, on up to $500, from a broad range of selected categories.
  • The only credit card to offer 5% on home improvement stores.
  • The Citi Custom Cash card pairs well with a Citi Double Cash card, Citi Premier, or both!

Pros

  • 5% is the highest possible reward for many of the Custom Cash Card's bonus categories
  • No annual fee
  • Includes very rare bonus categories, like home improvement stores

Cons

  • With the Citi Custom Cash, your 5X earnings are capped at $500 per statement cycle on your top spend category each billing period
  • Has a fairly low bonus offer, although not too bad for a no-annual fee credit card
  • Charges a foreign transaction fee
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 on Purchases: 0 % Intro APR (on purchases for 15 months, 18.49%-28.49% thereafter)
APR on Balance Transfers: 0% Intro APR (on balance transfers for 15 months, 18.49%-28.49% thereafter)
Balance
transfer fees:
Balance transfer fee applies with this offer; 5% of each balance transfer; $5 minimum.
Author: 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: August 13, 2026
Intro bonus:
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Annual Fee:
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Benefits:
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Multipliers:
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This content is not provided by the issuer. Any opinions expressed are those of Your Best Credit Cards alone, and have not been reviewed, approved or otherwise endorsed by the issuer.

Citi® Double Cash Card

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(4.4) 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:

🎁 Bonus offer

Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.

Bonus points for spend in the following bonus categories:

2x
Everything Else
Estimated Rewards Value: 2%
+
 more
  • Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. To earn cash back, pay at least the minimum due on time.
  • No annual fee
  • Can be combined with a Citi Strata℠ Premier Card to transfer points to airline and hotel partners

Pros

  • Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. To earn cash back, pay at least the minimum due on time.
  • No annual fee
  • Can be combined with a Citi Strata® Premier Card to transfer points to airline and hotel partners

Cons

  • No bonus categories
  • No trip protections
  • Charges a foreign transaction fee
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 on Balance Transfers: 0% Intro APR (on balance transfers for 18 months, 17.49%-27.49% 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. After that, your fee will be 5% of each transfer (minimum $5)
Author: 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: August 13, 2026
Intro bonus:
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Annual Fee:
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Benefits:
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Multipliers:
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This content is not provided by the issuer. Any opinions expressed are those of Your Best Credit Cards alone, and have not been reviewed, approved or otherwise endorsed by the issuer.

Citi Strata℠ Card

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(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

Earn 20,000 bonus points after spending $1,000 in the first 3 months

Bonus points for spend in the following bonus categories:

3x
Supermarkets
Estimated Rewards Value: 3%
3x
Gas Stations
Estimated Rewards Value: 3%
3x
EV Charging
Estimated Rewards Value: 3%
2x
Dining Out / Food Delivery
Estimated Rewards Value: 2%
1x
Everything Else
Estimated Rewards Value: 1%
+
 more
  • 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 on Purchases: 0 % Intro APR (on purchases for 15 months, 18.49%-28.49% thereafter)
APR on Balance Transfers: 0% Intro APR (on balance transfers for 15 months, 18.49%-28.49% 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:
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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: August 13, 2026
Intro bonus:
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Annual Fee:
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Benefits:
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Citi Rewards+®

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(3.43) 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

Earn 20,000 bonus points after you spend $1,500 in purchases with your card within 3 months of account opening; redeemable for $200 in gift cards at thankyou.com

Bonus points for spend in the following bonus categories:

2x
Gas Stations
Estimated Rewards Value: 2%
2x
Supermarkets
Estimated Rewards Value: 2%
1x
Everything Else
Estimated Rewards Value: 1%
+
 more
  • NOTE: This card has been completely discontinued. All cardholders were product changed to the Citi Strata℠ Card in July 2025.

Pros

  • NOTE: This card has been completely discontinued. All cardholders were product changed to the Citi Strata℠ Card in July 2025.

Cons

  • Not available anymore
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 on Purchases: 0 % Intro APR (on purchases for 15 months, 17.74%-27.74% thereafter)
APR on Balance Transfers: 0% Intro APR (on balance transfers for 15 months, 17.74%-27.74% 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. After that, your fee will be 5% of each transfer (minimum $5)
Author: Stella Shon
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: August 13, 2026
Intro bonus:
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Annual Fee:
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Benefits:
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Multipliers:
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Citi Prestige

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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.

Annual Fee:
$495

🎁 Bonus offer

None. Product is not currently available to new applicants
Get a 40% transfer bonus when you transfer Citi ThankYou to Turkish Miles&Smiles.

Transfer Bonus is on the Turkish Side
Offer expires on Aug 31, 2026

Get 40% extra Miles by converting your ThankYou® Points into Miles&Smiles Miles between August 1 – 30, 2026.

Max 50,000 Bonus Miles, miles credited later.

This bonus is entirely sponsored by Turkish Miles&Smiles and won’t show on the Citi ThankYou transfer partners page. See this page on Turkish Airlines’ website for all details.

Two salient notes: 1) This bonus is sponsored by Turkish, not Citi, and has a maximum of 50,000 Bonus Miles. 2) The terms state the bonus miles won’t appear until after the promotion ends which is the end of August. So while it’s true that a saver award from the US to Turkey on Turkish metal would only be around 47,000 Citi ThankYou points for 65,000 Turkish, it doesn’t quite work that way unless you can wait until early September to book and acknowledge there might not be any inventory. (Note that alert service Thrifty Traveler did flag a ton of 65,000 mile saver inventory just 3 days ago.)

One strategy could be to wait until Aug 31 to transfer (make sure you are subscribed to our free alerts that can be set to notify you two days before the offer ends).

Remember that Turkish miles “hard expire” after 3 years, so speculative transfers are strongly not advised. And they have devalued hard in the last couple of years. Where you used to be able to fly business class to Hawaii for 7,500 miles, the domestic chart now looks like this:

Contiguous US & Alaska Domestic Awards

  • Economy Class: 15,000 miles
  • Business Class: 22,500 miles

Hawaii Domestic Awards (From US Mainland)

  • Economy Class: 25,000 miles
  • Business Class: 40,000 miles
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Subscribe to Transfer Bonus Notifications
Get a 10% transfer bonus when you transfer Citi ThankYou to Cathay Pacific Asia Miles.

Offer expires on Aug 28, 2026

You must register for the offer or you won’t get the bonus points.

Eligible US transfer partners are American Express, Brex, Capital One, Citi, Bilt, and Wells Fargo.

But this is not such a great promotion, as it’s limited to a max of 10,000 extra miles and you may not get the miles for up to 12 weeks! See below.

IMPORTANT NOTES: 

  • Your AsiaMiles account must be in the United States and you must register first (link above)
  • MAXIMUM BONUS = 10,000 miles: Eligible members will receive bonus miles equal to 10% of the Regular Miles earned from Eligible Transactions completed with Eligible Partners during the Promotional Period, up to a maximum of 10,000 bonus miles per eligible member. The maximum bonus applies across all participating partners combined.
  • Bonus miles will be credited to the eligible member’s Cathay Membership Programme account within approximately 12 weeks after the applicable Regular Miles have first been credited, verified, and processed by the relevant Eligible Partner.
  • While Cathay is great for booking its own premium seats (as well as JAL and other oneworld), note they just increased fuel surcharges. Price your award out before booking.
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Subscribe to Transfer Bonus Notifications
Get a 20% transfer bonus when you transfer Citi ThankYou to Air France/KLM Flying Blue.

Offer expires on Aug 22, 2026

Transfer ThankYou Points to Flying Blue Miles and receive a 20% bonus. Offer is valid for points transfers to Flying Blue Miles completed between 12:01 AM ET July 19, 2026, and 11:59 PM ET August 22, 2026.

These oddly timed transfer bonuses are the best reason to subscribe to our transfer bonus alerts, as who is going to remember that a bonus ends on the 22nd of a month? Yet we’ll send you automated reminders at 7 and 2 days to expiration based on your preferences.

As for the bonus itself, we just saw a 25% transfer bonus to Flying Blue from Amex last month and transfer bonuses are not infrequent. The biggest reason to consider to not transfer, though, might be the rumor about Japan Airlines becoming a Citi transfer partner. It’s completely a rumor for now, but if you log into your ThankYou account and go to your profile, the option to link your JAL Mileage Bank account is there, and why would it be there if it wasn’t a partnership in progress?

citi thank you jal Japan airlines

JAL is a fantastic program and would be huge win for Citi to add to ThankYou, although since becoming transfer partners with Bilt, Rove, and Capital One (they used to not partner with anyone by Marriott Bonvoy for transfers), we have seen availability dry up just a bit. I’m sure JAL will struggle a bit to toe the line between selling their miles and preserving award space availability. (It’s a difficult balance!) Still, if JAL does become a transfer partner, you may be inclined to save your ThankYou points vs. speculatively transfer for 20% bonus miles.

As for this bonus itself?

Flying Blue has some really good award rates at times, though they often fluctuate into the absurd. 60,000 points for Business class to/from Europe from the US is solid, but the surcharges have gotten way out of control (about $600 one way). Sometimes, the pricing is waaaaay over 60,000 points with the same surcharges, so we’d like to see them get this under control and it does make a speculative transfer harder to justify unless you have consistent personal success. With Tiffany Funk (former One Mile at a Time / Point.me) running the Flying Blue loyalty program since June, things are likely to improve. Those things definitely take some time to come to fruition.

Also, while Flying Blue miles expire, it’s a reasonable 24 months and any activity (such as a simple 1,000 point transfer in) will extend it. They used to have archaic rules where flight activity miles weren’t extended with other activity but they came to their senses a few months ago and it’s now simplified with all miles in one pool and all extended by any activity.

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Subscribe to Transfer Bonus Notifications

Bonus points for spend in the following bonus categories:

5x
Airfare
Estimated Rewards Value: 8.5%
5x
Dining Out / Food Delivery
Estimated Rewards Value: 8.5%
3x
Transit
Estimated Rewards Value: 5.1%
3x
Hotels
Estimated Rewards Value: 5.1%
3x
Lyft
Estimated Rewards Value: 5.1%
1x
Everything Else
Estimated Rewards Value: 1.7%
+
 more
  • No Longer Available

Pros

Cons

Annual Fee: $495
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).

Author: Dave Grossman
Total Rating:
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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: August 13, 2026
Intro bonus:
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
Annual Fee:
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
Benefits:
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Multipliers:
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View Table Image
Annual fee
$95
Point value
$0.016
Best Multiplier
2x Hotels
2x Car Rentals
+ 1 more
View Table Image
Annual fee
$295
Point value
$0.01
Best Multiplier
2x Hotels
2x Airfare
+ 1 more
View Table Image
Annual fee
$95
Point value
$0.01 -
$0.0175
Best Multiplier
3x Dining Out / Food Delivery
3x Streaming Services
+ 8 more
View Table Image
Annual fee
$795
Point value
$0.01 -
$0.0175
Best Multiplier
4x Airfare
4x Hotels
+ 3 more
View Table Image
Annual fee
$795
Point value
$0.01 -
$0.0175
Best Multiplier
5x Lyft
4x Airfare
+ 4 more
View Table Image
Annual fee
$95
Point value
$0.01 -
$0.0175
Best Multiplier
3x Airfare
3x Transit
+ 8 more
View Table Image
Annual fee
$0
Point value
$0.01 -
$0.0175
Best Multiplier
1.5x Everything Else
View Table Image
Annual fee
$0
Point value
$0.01 -
$0.0175
Best Multiplier
5x Cable / Internet / Phone
5x Cellular Phone Service
+ 4 more
View Table Image
Annual fee
$495
Point value
$0.018
Best Multiplier
0x Rent / Mortgage
2x Everyday Spend
View Table Image
Annual fee
$95
Point value
$0.018
Best Multiplier
1x Supermarkets
1x Dining Out / Food Delivery
+ 2 more

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