One Rewards Currency, Many Cards
What if your everyday spending earned points you could use for travel, gift cards, or statement credits, all under one program? That is the idea behind Citi's ThankYou Rewards, and several Citi cards on the Mastercard network feed into it.
The Citi ThankYou Mastercard is not one single card. It is a family of Citi Mastercards (issued by Citibank, N.A.) that earn ThankYou points, a flexible rewards currency. Below we explain how the program works, which cards are active as of June 2026, their exact rewards, current sign-up bonuses, and the fees to know, plus what to do if your credit is not quite ready yet.
Key Facts at a Glance (Citi Strata Premier, the flagship)
| Issuer | Citibank, N.A. |
| Network | Mastercard (usable anywhere Mastercard is accepted) |
| Annual fee | $95 |
| Purchase APR | Variable, disclosed in the Citi Pricing Table at application |
| Rewards | 10x CitiTravel.com hotels/cars/attractions; 3x air, other hotels, dining, supermarkets, gas, EV; 1x else |
| Redemption | 1 ThankYou point = about $0.01 toward travel, gift cards, or statement credit; no expiration while account is open |
| Welcome bonus | 60,000 to 70,000 points after $4,000 in 3 months |
| Foreign transaction fee | $0 (Strata Premier); 3% (Double Cash) |
| Credit limit | Typically $2,000 and up (reported) |
| Credit score | Typically 700+ (reported) |
| Reports to | Experian, TransUnion, Equifax |
The Citi ThankYou Lineup as of June 2026
Citi reshuffled this lineup over 2024 to 2026, folding the older ThankYou cards (Premier, Rewards+) into the new Strata line. All are Mastercards usable anywhere Mastercard is accepted, issued by Citibank, N.A., and report to all three major bureaus. Here are the main ThankYou-earning Mastercards taking new applications:
Citi Strata (base card), $0 annual fee. Rebranded from the old Rewards+ card, it earns ThankYou points with a self-select category bonus plus base earning elsewhere.
Citi Strata Premier, $95 annual fee. The flagship ThankYou Mastercard. Earns 10X on hotels, car rentals, and attractions booked through CitiTravel.com, and 3X on air travel, other hotels, restaurants, supermarkets, gas, and EV charging, with 1X elsewhere. As of June 2026 the welcome offer has been in the 60,000 to 70,000 ThankYou points range after $4,000 in purchases in 3 months, plus a $100 annual hotel credit on a $500-or-more CitiTravel.com stay. No foreign transaction fee.
Citi Strata Elite, $595 annual fee. Citi's premium travel flagship, with elevated travel and dining earning and an annual hotel credit.
Citi Double Cash, $0 annual fee. Earns effectively 2% back (1% when you buy, 1% when you pay), delivered as ThankYou points. It does charge a 3% foreign transaction fee.
ThankYou points generally do not expire while your account stays open and active, and there is no cap on what you can earn. Offers and APRs change, so confirm current terms on Citi's site before you apply.
APR and Fees to Know
Citi discloses each card's APR in the Pricing Table at the time of application rather than fixing one rate in the cardmember agreement, so your purchase APR is variable and depends on creditworthiness and the Prime Rate. A penalty APR can also apply after a late or returned payment. A few fee points from the agreements:
- Annual fee: $0 (Strata, Double Cash), $95 (Strata Premier), $595 (Strata Elite)
- Foreign transaction fee: the Citi Double Cash charges 3%; the Strata Premier charges none, which makes it the better travel pick abroad
- Late payment fee: escalates from about $30 to up to roughly $41 for a repeat late payment within the next few billing cycles
- No monthly maintenance fee on any of these cards
Because the APRs are variable and typically high, these cards reward people who pay in full each month, not those carrying a balance.
Approval and Who the ThankYou Cards Are Built For
Most Citi ThankYou Mastercard products are aimed at people with good to excellent credit. Reported approvals for the Strata Premier typically cluster around scores of 700 and above, and Citi runs a hard inquiry when you apply, so a denial means a hard inquiry with nothing to show for it. Citi does not publish a fixed credit limit; reported starting limits on the Strata Premier begin around $2,000 and rise with income and score.
Match the card to how you spend: the Strata Premier and Strata Elite reward heavy travelers, the Double Cash keeps it simple with a flat 2% back, and the base Strata fits people who want no annual fee. Whichever you choose, pay your balance in full each month so interest does not erase your points.
If your score is still climbing, an unsecured card designed for building credit is a smarter first move than risking a denial. If approval is your main concern, the Aspire Cash Back Rewards Mastercard targets people with limited or rebuilding credit, still pays cash back, works anywhere Mastercard is accepted, and reports to the bureaus, so you earn while you grow your profile toward a rewards card like Citi's.
Aspire® Cash Back Rewards Mastercard
Aspire® Cash Back Rewards Mastercard
Aspire® Cash Back Rewards Mastercard. Prequalify* For Up To $1000 Credit Limit. No security deposit. Packed with great benefits, it’s designed to give you more flexibility—and purchasing power—along with up to 3% cash back rewards!** Good anywhere Mastercard is accepted, it’s the go-to card for any lifestyle.
Standout feature
Up to 3% cashback rewards
Fees
$49 to $175; after that $0 to $49 annually; - $60 to $159 annually billed at $5 to $12.50 per month after the first year.
Pros
No Deposit Required. Prequalify for up to $1000 credit limit
Cons
High APR. 25.74% to 36%, based on your creditworthiness.
If your credit is already strong and you want flexible rewards bundled with tools you may already use, the Robinhood Gold Card earns cash back across your spending and links to its broader money platform, which can suit people who want their card connected to their investing app. Before you apply for any rewards card, know where your credit stands. Creditship.ai offers free credit monitoring so you can target cards you can realistically get, and it helps to know what counts as a good credit score for the tier you want.
Robinhood
Robinhood
Robinhood is a trading platform that brings stocks, ETFs, options, futures, prediction markets, crypto, and retirement accounts together in one app.
Standout feature
One platform for stocks, ETFs, options, futures, prediction markets, and crypto
Fees
$0 commission on stocks, ETFs, and options.
Pros
Zero-commission trading on stocks, ETFs, and options
Cons
Best perks (high APY, lower margin rates) require Gold subscription ($5/month)
The Bottom Line
The Citi ThankYou Mastercard family offers flexible points for people with strong credit, from the no-fee Double Cash and Strata to the travel-focused Strata Premier and the premium Strata Elite. The Strata Premier is the natural anchor: $95 a year, no foreign transaction fee, and strong travel and everyday earning. Verify the current lineup and offers on Citi's site before applying. If you are still building credit, start with an unsecured starter card and work your way up to the rewards tier.
Frequently Asked Questions
What is the Citi ThankYou Mastercard?
It is not a single card but a family of Citi Mastercards (issued by Citibank, N.A.) that earn ThankYou points, Citi's flexible rewards currency. You can redeem points for travel, gift cards, statement credits, and more, at roughly 1 cent per point. The flagship today is the Citi Strata Premier.
Which Citi ThankYou cards are available in 2026?
As of June 2026, the main ThankYou-earning Mastercards taking applications are the Citi Strata ($0), Strata Premier ($95), Strata Elite ($595), and Double Cash ($0). The older ThankYou Premier and Rewards+ cards were folded into the Strata line. Confirm the current lineup on Citi's site.
What rewards does the Citi Strata Premier earn?
As of June 2026 it earns 10X on hotels, car rentals, and attractions via CitiTravel.com, and 3X on air travel, other hotels, restaurants, supermarkets, gas, and EV charging, with 1X elsewhere. It also includes a $100 annual hotel credit on a qualifying $500-or-more CitiTravel.com stay and charges no foreign transaction fee.
What credit score and limit do you need for a Citi ThankYou card?
Most ThankYou Mastercard products target good to excellent credit, and reported Strata Premier approvals cluster around 700 and above. Citi does not publish a fixed limit, but reported starting limits begin around $2,000. Approval and your APR depend on your full profile, so check your score before applying to avoid an unneeded hard inquiry.
