Citi Duo
Transferable points with a strong flat-rate floor
The Citi Duo pairs the Strata Premier for bonus categories and point transfers with the Double Cash for a solid 2x on everything else — giving you access to Citi's transfer partners while keeping a high baseline earn rate.
Combined annual fee: $95/yr Combined bonus value: ~$11 2 cards
The Cards
When to Use Each Card
| Category | Best card | Earn rate |
|---|---|---|
| Hotels | Citi Strata Premier | 3x |
| Flights | Citi Strata Premier | 3x |
| Dining | Citi Strata Premier | 3x |
| Groceries | Citi Strata Premier | 3x |
| Gas stations | Citi Strata Premier | 3x |
| Everything else Earns ThankYou points transferable via Strata Premier | Citi Double Cash | 2x |
Pros & Cons
Pros
- Only $95 combined annual fee (Double Cash is free)
- Double Cash 2x floor is among the best in the industry
- Strata Premier covers 5 major bonus categories at 3x
- ThankYou points transfer to Turkish Airlines, Flying Blue, Singapore KrisFlyer, and more
Cons
- Citi 48-month rule limits how often you can earn bonuses
- No lounge access or premium travel perks
- Transfer partner list smaller than Chase or Amex
Best For
- Travelers who want airline transfer partners at a low cost
- People who spend heavily on groceries and gas
- Those who want a high floor (2x) on non-bonus spending
Frequently Asked Questions
- Is the Citi Duo worth it?
- The Citi Duo offers a combined signup bonus value of approximately $11 with a $95/year combined annual fee. Only $95 combined annual fee (Double Cash is free).
- What is the combined annual fee for the Citi Duo?
- The combined annual fee is $95/year. Only $95 combined annual fee (Double Cash is free)
- Can I apply for all Citi Duo cards at once?
- It is generally better to space applications over time to manage credit inquiries and stay within issuer velocity limits. Check each issuer's application rules before applying for multiple cards.
- Do all cards in the Citi Duo earn the same points currency?
- The cards in this combination may earn different reward currencies. Check each card's rewards program before applying.