The Citi Strata Premier edges out the Citi Thank You for most cardholders — it wins on 3 of 4 comparison categories and offers 60,000 pts signup bonus earns more (up to 10x vs 5x). The Citi Thank You is the better choice if you want no or lower annual fee.
Citi Strata Premier vs Citi Thank You
Side-by-side comparison of fees, rewards, benefits, and transfer partners.
- Hotels (Citi Travel) 10x
- Car Rentals (Citi Travel) 10x
- Attractions (Citi Travel) 10x
- Gas Stations 5x
- All Other Purchases 1x
- Hotel Benefit $100
- AAdvantage
- AAdvantage
- Accor Live Limitless
- Accor Live Limitless
- Avianca LifeMiles
- +33 more
- AAdvantage
- AAdvantage
- Accor Live Limitless
- Accor Live Limitless
- Avianca LifeMiles
- +33 more
Common Questions: Citi Strata Premier vs Citi Thank You
Is the Citi Strata Premier or Citi Thank You better for dining?
Citi Strata Premier earns 3x on dining; Citi Thank You has no dining bonus.
Which has the higher signup bonus in 2026?
Citi Strata Premier currently offers 60,000 pts signup bonus (spend $4,000 in 3 months). Citi Thank You offers no current bonus. Citi Strata Premier has the larger bonus.
Which card is better for international travel?
Both cards charge no foreign transaction fees, making either a solid choice for international travel.
Can I hold both the Citi Strata Premier and the Citi Thank You?
In most cases yes — holding both is allowed and can be a smart strategy for maximizing rewards across different spending categories. Both cards are from Citi, so check their specific application rules.