Better together: Why the Citi Strata Premier and Rewards+ cards are a great combination


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Some things in life are better in pairs — Citi Strata Premier℠ Card (see rates and fees) and Citi Rewards+® Card (See rates and fees).

While the Citi Strata Premier is a great standalone travel credit card, you should consider adding Citi Rewards+ for another sign-up bonus and more points on everyday purchases.

This also works in reverse. If you already hold Citi Rewards+, add Citi Strata Premier to your wallet to increase your income and make your points more valuable. According to TPG's valuation, CitiThankYou points are worth 1.8 cents per point when you own a Citi Strata Premier. Here's the inside scoop on how the pair works.

Related: Why Citi Rewards+ is great for college students

Earn two sign-up bonuses

For a limited time, Citi Strata Premier is offering a public welcome offer of 75,000 Thank You Points after you spend $4,000 in purchases within the first three months of account opening. on the other hand, Citi Rewards+ Earn 20,000 bonus points when you spend $1,500 on the card within three months of account opening.

Point master

Keep in mind that Citi has application limits for its Thank You Rewards Card. Opening or closing a Citi ThankYou Points Earning Card will make you ineligible for the welcome bonus on another ThankYou Points Earning Card for at least 24 months.

If it's been more than 24 months since you applied for a Strata Premier or Rewards+ card, you may be eligible to apply for another card and receive a sign-up bonus.

RELATED: How to Use CardMatch Tools to Get Better Welcome Offers

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Improve your exchange

In itself, Citi Rewards+ When you redeem gift cards, they are worth 1 cent each. If you redeem your points at Amazon or Best Buy, they'll be worth even less (we highly recommend not doing this).

However, transferring your points to Citi Strata Premier will open up new redemption possibilities with significantly increased value. The value increases from 1 cent to 1.8 cents (based on TPG valuation) because you now have access to Citi's range of airline and hotel transfer partners, such as Avianca LifeMiles and Virgin Atlantic Flying Club.

Point master

Plus, having both cards gives you another way to make your redemptions more valuable: The Citi Rewards+ card offers 10% points back on the first 100,000 points you redeem each year. Reports from online users indicate that if you have a Citi Rewards+ card, you can also get 10% points back when you redeem ThankYou points through a linked card. Both cards must be linked to the same Thank You account for them to work properly.

If you have both cards, you can link your accounts and get the best of both worlds: 10% points back and access to many transfer partners.

Related: Better Together: The Ultimate Guide to the Best Credit Card Pairings

Increase your points earning

The next selling point of owning these two cards is their free earn rate.

With Citi Strata Premier, you'll earn 3 points for every $1 you spend:

Earn 10 points per $1 spent on hotel, rental car and attraction reservations and 1 point per $1 spent on other eligible purchases through CitiTravel.com.

this Citi Rewards+ Earn 2 Thank You Points (and then 1 point) per dollar spent on $6,000 in grocery and gas station purchases per year, and 1 point per dollar spent on other eligible purchases. In addition, through December 31, 2025, Rewards+ cardholders can earn 5 points for every $1 spent at restaurants, car rentals and eligible attractions (excluding air travel) through the Citi Travel Portal.

Point master

Generally speaking, you should use Citi Strata Premier at supermarkets and gas stations (3 points per dollar versus 2 points per dollar), but there are some notable exceptions. That's because Citi Rewards+ comes with an interesting value proposition: Every purchase you make is automatically rounded to the nearest 10 points.

This means Citi Rewards+ is better suited for smaller purchases (such as a $2 chocolate bar or a pack of gum at a convenience store) or purchases that don't earn bonus points through Citi Strata Premier. The following table explains how this advantage can work to your advantage:

Buy Using Citi Strata Premier Use Citi Rewards+
$3 candy at the gas station 9 cents (3 cents per $1 for gas). winner

10 cents (2 cents per dollar add Rounded to the nearest 10 points).

$41 at the gas station winner

123 points (3 points per $1 on gas).

90 cents (2 cents per dollar add Rounded to the nearest 10 points).
Biscuits sold in supermarkets cost 6 yuan a pack 18 cents (3 cents per $1 in supermarkets). winner

20 cents (2 cents per dollar add Rounded to the nearest 10 points).

Grocery store purchase $68 winner

204 cents (3 cents per $1 in supermarkets).

140 points (2 points per dollar add Rounded to the nearest 10 points).
$2 beer at bar 6 points (3 points per $1 in restaurants). winner

10 cents (1 cent per dollar add Rounded to the nearest 10 points).

$8 glass of wine at bar winner

24 points (3 points per $1 in restaurants).

10 cents (1 cent per dollar add Rounded to the nearest 10 points).
Haircut $42 42 points (1 point per $1 on all other qualifying purchases). winner

50 cents (1 cent per dollar add Rounded to the nearest 10 points).

$159 flight winner

477 points (3 points per $1 flight).

160 points (1 point per $1 add Rounded to the nearest 10 points).

If the math is overwhelming, keep it simple and use Citi Strata Premier to earn 3 points per dollar on rewards category purchases, and use Citi Rewards+ to earn additional points on non-rewards spend.

Related: The best credit cards to combine points

Visit Citi’s transfer partners

As discussed earlier, you start with Citi Rewards+ Works seamlessly with your Strata Premier balance. You can then transfer your points to 19 airline and hotel loyalty programs. Most Citi transfer partners offer transfers at a 1:1 ratio, so 100,000 ThankYou points can be converted into 100,000 points or miles.

While you can read our detailed guide on maximizing Citi Thank You Points for travel , here’s a preview of some of our favorite ways to redeem them. Award tickets are subject to availability and prices may fluctuate throughout the year.

Delta One Suites to Europe for 50,000 miles one-way

Transfer your Citi Thank You Points to Virgin Atlantic Flying Club and get a Delta One Suite to Europe for just 50,000 Virgin Atlantic miles and $5.60 tax. Places are usually very limited, but if you're flexible with your dates and plan ahead, you may be able to score a great prize.

Eric Rosen/Point Guard

This is almost always a much better deal than booking the same Delta One Suite directly through Delta using SkyMiles. One-way Delta One award tickets to Europe booked directly through Delta Air Lines can cost up to 375,000 miles. With 375,000 Virgin Atlantic miles, you can book seven Delta flights to Europe.

Related: When and How to Book Delta Awards with Virgin Atlantic Flying Club

Qsuite from Qatar to Doha 70,000 miles one way

Another Citi transfer partner that can provide great value is the Qatar Airways Frequent Flyer Program. A one-way flight to Doha, Qatar (DOH) from any U.S. gateway with Qsuite, the airline's business class product, costs just 70,000 Avios (the currency of the loyalty program). You can also add connecting flights to other destinations to earn extra Avios. The number of Avios required depends on award date, availability and destination.

Qatar Airways Qsuite. Zach Grieve/Point Guard

You're not limited to booking with Qatar Airways using Avios. Once you transfer your Thank You Points to your Frequent Flyer program, you can use them to book flights on airlines such as British Airways and Aer Lingus. This is a great way to find more great award flights.

Related: Everything you need to know about Qatar Airways Frequent Flyer Club

United economy domestic flights, 7,500 miles one way

Increase the value of your points by booking affordable excursions. After you transfer your CitiThankYou points to Avianca LifeMiles, you can book domestic economy flights on United for 7,500 miles one-way. If you have a smaller number of Thank You Points, this is a great way to use them.

Benji Starsky/Scoring Expert

You can also use Avianca LifeMiles to book one-way business flights to Europe on Lufthansa for just 63,000 miles. If you can't book a Delta Suite through Virgin Atlantic, this is another way to travel to Europe with affordable award tickets.

Related: United Airlines MileagePlus Guide

bottom line

Doubling down on a plan can be beneficial for a number of reasons, but it's especially worth it when you save enough points for your dream redemptions around the world. The Citi Appreciation Program is extensive, with more than a dozen international partners for each airline alliance. With the Rewards+ card's unique ability to round off purchases and Strata Premier's generous rewards categories, now might be a good time to take advantage of this dynamic duo to plan future travel.

To learn more, check out our full reviews of Citi Rewards+ and Citi Strata Premier.


Apply here: Citi Rewards+ Card


Related: Best Citi Credit Cards



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