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Citi Strata℠ Premier Credit Card
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.
🎁 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
First the details, then Dave’s Take below…
If you have a Citi Strata Premier℠, Citi Prestige® (No longer available to new applicants or by product change) or AT&T Access More (No longer available to new applicants or by product change): Transfer ThankYou Points to Wyndham Rewards points and receive 25% bonus Wyndham Rewards points. Offer is valid for points transfer to Wyndham Rewards points completed between 12:01 AM ET May 18, 2025 and 11:59 PM ET June 21, 2025.
If you have a Citi ThankYou® Preferred, Citi Rewards+®, Citi ThankYou® Mastercard®, Citi Double Cash®, AT&T Universal Rewards World, AT&T Universal Savings and Rewards, AT&T Universal Rewards, AT&T Points PlusSM Card from Citi or AT&T Access Card: You’ll get a 1:1 ratio instead of the usual 1:0.8 ratio (still 25% bonus but much less attractive). The rest of the terms are the same as above.
Why they have such random start and end dates is as much a mystery to me as to you, but I can tell you that it’s the largest transfer bonus to Wyndham we’ve seen to date.
There were three previous transfer bonuses from Citi ThankYou to Wyndham Rewards since mid-2023 and they were all for 20% (Prom Prestige and Premier; less for the other cards).. So if you are a Wyndham Rewards fan, this is for you.
However, Wyndham is a tough program to love, so let me outline your redemption options and leave it to you whether or not this is how you want to use your Cit ThankYou points. I don’t suspect there will be a massive number of you that do so.
- Of course you can book Wyndham Rewards Hotels. These brands are generally low end, like La Quinta® by Wyndham, Super 8® by Wyndham, Days Inn® by Wyndham, and Wyndham Grand®. The highest end brand I’m aware of that they have is Dolce and have seen some nice ones. A standard award will cost 7,500, 15,000, or 30,000 points per room (or per bedroom if applicable). If you aren’t bougie, I have seen some fantastic value where it’s a lower end property but a relatively expensive (for the property) suite for the same price as the base room. Check out the one in Saint Maarten for an example of that, though the resort has generally poor reviews. Wyndham also offers “experiences” you can book although at less than 1/3 of a cent per point, so they are a very poor value unless dumping expiring points.
- Book Caesars Rewards properties. If you gamble you probably get good enough casino rates to make these a poor redemption but you never know. I did use once for a Las Vegas stay where the room was over $300 and I used 15,000 points. However, even if you have a status with waived resort fees with Caesars, a stay booked via Wyndham points will incur resort fees unless….
- Transfer points to Caesars Rewards. You can transfer up to 30,000 per calendar year and they will be worth one cent a piece (or you can redeem for slot credit but at only half a cent per point). Two notes about this: One is that it can take up to 2 weeks for the points to transfer, so you need a level of planning we aren’t really used to these days. The other is that these will reset the relevant point expiration from Wyndham. Since they expire 4 years after they are earned (and this shows in your account profile at Wyndham), if you are in that last year with no plans, this is a great way to save those points.
- Book Vacassa vacation rentals. This used to be THE reason to accumulate Wyndham points. Great deals on vacation rentals. Unfortunately took many people started booking despite an arduous process to book by phone and they devalued this redemption once in 2023 and again in 2024.There are now two rental tiers (priced per bedroom):
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- Rentals with an average cost of $250/night will be 15,000 points per bedroom per night.
- Rentals with an average cost of $500/night will be 30,000 points per bedroom per night.
That about covers it! We’ll also be discussing this transfer bonus in the MilesTalk Facebook group…
This transfer bonus is being run on the Qatar side, so you will not see the bonus offer on the Citi ThankYou website.
Per the promotional page on the Qatar website:
For a limited time only, you will collect 30% bonus Avios when converting reward points from participating partners into Avios by 31 May 2025.* The more reward points you convert, greater are your reward possibilities with Privilege Club.
IMPORTANT: Bonus Avios earned as part of this campaign will be credited to a Member’s Privilege Club account by 30th June 2025.
So, you may not get those bonus Avios for 1-2 months! This is a big difference between when the US bank offers a transfer bonus (bonus points are credited with the transfer) and when it’s run by the airline. I’ve seen both Qatar and Cathay Pacific specify delayed posting of the bonus which (I think) kind of ruins the deal since we never advise stockpiling – that said, you can still move these to other Avios programs later.
Remember that Qatar Avios has become competitive and inline with other Avois partners. It’s always worth checking whether one or another Avois partner (i.e. British Airways, Iberia, Finnair, or Aer Lingus) has a better redemption price since you can freely move between them. You can even connect your British Airways account directly inside Qatar’s website for easy and instant transfer.
SECOND IMPORTANT NOTE: Qatar has devalued their own program twice in recent months, first significantly raising the pricing for AA and Alaska awards, then by adding significant new surcharges on long haul premium awards by almost 200%. I wouldn’t transfer speculatively myself, but an Avios pro user with lots of ThankYou points might.
Bonus points for spend in the following bonus categories:
- 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
If you have a Citi Strata Premier® card or a legacy Citi Prestige card, you can transfer your points to Citi's full range of airline and hotel partners. Other ThankYou points-earning cards can be pooled with your Premier or Prestige to unlock airline and hotel program transfers. We calculate that you can get an average of 1.6 cents per point when redeeming this way. If you have any other Citi ThankYou point cards and do not have a Strata Premier or Prestige, then your ThankYou points are worth 1 cent each.
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.
Citi Custom Cash℠ Card
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.
🎁 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:
- 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
If you have a Citi Strata Premier® card or a legacy Citi Prestige card, you can transfer your points to Citi's full range of airline and hotel partners. Other ThankYou points-earning cards can be pooled with your Premier or Prestige to unlock airline and hotel program transfers. We calculate that you can get an average of 1.6 cents per point when redeeming this way. If you have any other Citi ThankYou point cards and do not have a Strata Premier or Prestige, then your ThankYou points are worth 1 cent each.
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.
Citi® Double Cash Card
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.
🎁 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:
- 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
If you have a Citi Strata Premier® card or a legacy Citi Prestige card, you can transfer your points to Citi's full range of airline and hotel partners. Other ThankYou points-earning cards can be pooled with your Premier or Prestige to unlock airline and hotel program transfers. We calculate that you can get an average of 1.6 cents per point when redeeming this way. If you have any other Citi ThankYou point cards and do not have a Strata Premier or Prestige, then your ThankYou points are worth 1 cent each.
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.
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