Card Comparison
Citi Strata Premier vs Citi Thank You
Side-by-side comparison of fees, rewards, benefits, and transfer partners.
Annual Fee
$95/yr
No annual fee
Foreign Fees
None
None
Signup Bonus
60,000 points
Spend $4,000 in 3 months
None
Top Earn Rates
- Hotels (Citi Travel) 10x
- Car Rentals (Citi Travel) 10x
- Attractions (Citi Travel) 10x
- Gas Stations 5x
- All Other Purchases 1x
Reward Type
miles
miles
Key Credits
- Hotel Benefit $100
None
Transfer Partners
- AAdvantage
- AAdvantage
- Aeromexico Club Premier
- Aeromexico Club Premier
- Accor Live Limitless
- +35 more
- AAdvantage
- AAdvantage
- Aeromexico Club Premier
- Aeromexico Club Premier
- Accor Live Limitless
- +35 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.