Citi Strata^℠Card Review

Contents

Application Link
Benefits
Disadvantages
Introduction to TYP
Recommended Application Time
Summary
Related Cards
Historical Offers Chart
Application Link

Application Link

Citi Strata

Benefits

30k Welcome Bonus: Earn 30,000 ThankYou Points (TYP) after spending $4,000 within the first 3 months of account opening.
We value TYP at 1.6 cents/point, making the welcome bonus worth approximately $480.
Points Earning Structures:
- 5x TYP on Hotels, Car Rentals, and Attractions booked through Citi Travel
- 3x TYP at Supermarkets, Select Transit, and Gas & EV Charging Stations
- 3x TYP in an eligible Self-Select Category of your choice (Fitness Clubs, Select Streaming Services, Live Entertainment, Cosmetic Stores/Barber Shops/Hair Salons, or Pet Supply Stores)
- 2x TYP at Restaurants
- 1x TYP on all other purchases
No annual fee.

Disadvantages

It has foreign transaction fee, so it's not a good choice outside the US.

Introduction to TYP

You can earn TYP with Citi Strata Elite, Citi Strata Premier, Citi Strata, Citi Custom Cash, Citi Double Cash, etc.
You can add all these cards into the same thankyou.com account, and points that are about to expire will be redeemed first in the order in which they expire automatically.
In most cases, TYP never expire. But closing account, product change, or receiving points from other people may cause TYP on that account to expire.
If you have Citi Strata Premier or Citi Strata Elite or Citi Prestige (Discontinued), TYP can be transferred to some airline miles. The best way to use TYP is to 1:1 transfer them to American Airlines miles (Oneworld) or EVA Air (BR) miles (Star Alliance). Other good options are: Cathay Pacific (CX) miles (Oneworld), Avianca (AV) miles (Star Alliance), Singapore Airlines (SQ) miles (Star Alliance), Flying Blue miles (SkyTeam), Virgin Atlantic (VS) miles (Non-alliance), etc. If you use TYP in this way, the value is about 1.6 cents/point.
You can redeem your TYP at a fixed rate 1 cents/point towards cash.
If you have Citi Prestige (Discontinued), you can redeem your TYP at a fixed rate 1.25 cents/point towards air tickets on thankyou.com. This is a common way to use TYP. Points+cash is available when redeeming for air tickets, so no need to worry if you do not have enough TYP.
~~If you have Citi Rewards+ (Discontinued), you can get 10% back when redeeming TYP, up to 100k TYP per year. This feature further boosts the value of TYP.~~ [Expired]
In summary, we estimate that TYP are worth about 1.6 cents/point.
For more information about TYP, see Maximize the Credit Card Points Values (overview), and Introduction to TYP: How to Earn & Introduction to TYP: How to Use (very detailed).

Recommended Application Time

[1/48 Rule] Bonus ThankYou® Points are not available if you received a new account bonus for Citi Strata℠, Citi Strata Student, Citi Rewards+® or Citi Rewards+ Student account in the past 48 months or if you converted another Citi credit card account on which you earned a new account bonus in the last 48 months into a Citi Strata℠, Citi Strata Student, Citi Rewards+® or Citi Rewards+ Student account.
[8/65 Rule] You can apply for at most 1 Citi cards every 8 days, and at most 2 Citi cards every 65 days, no matter approved or not.
Best to apply with fewer than 3 hard inquiries in the last 6 months (even though Citi』s limit is 6).
Citi values the number of recent hard pulls a lot, we recommend you apply when there』s less than 3 hard pulls in the past 6 months (Citi generally requires less than 6 hard pulls, but this card is different).
We recommend you apply for this card after you have a credit history of at least one year.