Quick Overview

  • Citi ThankYou Rewards Program: One of the leading credit card rewards programs in the U.S., offering 1 cent per point for travel booked through the ThankYou Rewards portal. Points can also be transferred to Citi’s airline and hotel partners for potentially greater value.
  • Citi Cash Back Credit Cards: Citi offers two cash back cards that earn ThankYou Rewards points, redeemable at 1 cent each for cash back, providing flexibility and simplicity.
  • Co-branded Airline Cards: Citi issues four co-branded American Airlines credit cards, offering perks such as free checked bags, priority boarding, and lounge access, depending on the card.
  • Retail Credit Cards: Citi provides both the personal and business Costco credit cards, which are excellent for gas, restaurant, and travel purchases, though rewards are tied to Costco.
  • Citi Premium Cards: The Citi Strata Premier℠ Card is Citi’s flagship premium card, offering full access to its airline and hotel partners at optimal conversion rates—an essential choice for travelers seeking maximum value.
  • Flexible Conversion: Points earned on Citi’s cash back cards can be transferred to its travel cards, unlocking higher redemption value for travel-related expenses.
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ThankYou Rewards Credit Cards

Citi offers two travel credit cards that earn ThankYou Rewards points, but the Citi Strata Premier℠ Card stands out as the premium option.

It’s the only Citi card that allows you to transfer points to all of Citi’s airline and hotel partners, providing the opportunity to redeem points for more than their standard value of 1 cent per point. This makes it an excellent choice for maximizing Citi credit card rewards.

Citi Cash Back Credit Cards

Citi offers two cash back credit cards that earn ThankYou Rewards® points, redeemable for cash back at 1 cent per point.

However, you can unlock greater value by pairing them with the Citi Strata Premier℠ Card, which allows you to transfer points to Citi’s airline and hotel partners for higher-value redemptions. This strategy maximizes your Citi credit card rewards and boosts the overall value of your points.

Citi American Airlines Credit Cards

Citi offers four co-branded American Airlines credit cards, each an excellent choice for frequent AA travelers looking to maximize travel benefits.

Citi Costco Credit Cards

Citi offers two co-branded Costco credit cards, earning cash back redeemable both in-store and online at Costco. These cards are excellent for maximizing rewards on gas, restaurant, and travel purchases.