Personal card · Citi

Citi Strata Elite Card

1.5X on everything, 3X restaurants (6X weekend nights), full-ratio transfers incl. American AAdvantage

Annual fee: $595
Everything else: 1.5X
Cash out: 0.75¢/pt
Swype estimate: 1.25¢/pt

View on Citi Compare Ask Alfi

What a point is worth

¢ per point · value of 10,000 points

Cash out
Cash back or statement credit
0.75¢$75
1¢ if you also hold a Citi Double Cash or Custom Cash and link it.
Fixed travel rate
Citi Travel bookings or gift cards
1¢$100
Swype estimate
Transfers to airline and hotel partners
1.25¢$125

Swype ranks this card at 1.25¢ per point — an estimate, not a guaranteed value.

How these numbers work

Cash out and fixed travel rates are what the program pays per point. Issuers show them in your account rather than on product pages, so Swype records the rates reported by the sources below.

Swype estimate: 80% of the lowest independent valuation, rounded down. It assumes you transfer to airline or hotel partners and book typical awards; your result can be higher or lower. Independent valuations for this currency run 1.6¢–1.9¢.

Citi Strata’s unlinked cash-out rate is reported by one outlet at 0.5¢; Swype couldn’t confirm it with Citi.

Checked Oct 21, 2026.

How it earns

3X
3X at restaurants (6X on Citi Nights: Fri & Sat 6 pm–6 am ET)
12X
Hotels, car rentals and attractions via cititravel.com
Issuer travel portal only
6X
Air travel via cititravel.com
Issuer travel portal only
1.5X
Everything else

Transfer partners

Transfers to partners at standard ratios. Partner miles or points per 1,000 card points.

Airlines

American Airlines AAdvantage1,000
Avianca LifeMiles1,000
Cathay Pacific Asia Miles1,000
Emirates Skywards800
Etihad Guest1,000
EVA Air Infinity MileageLands1,000
Air France-KLM Flying Blue1,000
Japan Airlines Mileage Bank1,000
JetBlue TrueBlue1,000
Qantas Frequent Flyer1,000
Qatar Airways Privilege Club1,000
Singapore Airlines KrisFlyer1,000
Thai Royal Orchid Plus1,000
Turkish Airlines Miles&Smiles1,000
Virgin Atlantic Flying Club / Virgin Red1,000

Hotels & rail

Accor Live Limitless500
Choice Privileges1,500
Leading Hotels of the World Leaders Club200
I Prefer Hotel Rewards2,000
Wyndham Rewards1,000

Moving these points

Step-by-step transfer paths for the programs this card can reach.

Citi ThankYou Rewards

ThankYou points transfer to 15 airline and 5 hotel programs. Strata Premier and Strata Elite get full ratios — including 1:1 to American AAdvantage — while Double Cash and Strata get 1,000:700.

Open ThankYou transfers

Step by step

1
Open Points Transfer on thankyou.com
Sign in to thankyou.com and open More Ways to Redeem, then Points Transfer.
thankyou.comMore Ways to RedeemPoints Transfer
2
Pick the partner and check your card's ratio
Each partner shows separate ratios for Strata Premier/Elite and for no-fee cards. Make sure points sit in your premium account.
Select partnerReview ratio
3
Transfer and book
Enter the amount (minimum 1,000 points), confirm, and book with the partner.
Start TransferConfirm

Flights

Citi is the only one of the six big US currencies that transfers directly to American Airlines AAdvantage.
Combine Double Cash points into Strata Premier to transfer at full ratios.

Hotels

Choice Privileges is 1,000:1,500 and I Prefer 1,000:2,000 from premium cards.

Watch for

Check thankyou.com for temporary transfer bonuses (e.g. JAL and LifeMiles bonuses in October 2026).
Cash back is 0.75¢ per point on Strata Premier and Strata Elite, or 1¢ if you also hold a linked Double Cash or Custom Cash.

Popular partners

Partner ratios read from thankyou.com on 2026-10-20.

Official references

ThankYou Points Transfer