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January 24, 2024: The Citi Strata Premier℠ card’s limited-time 75k ThankYou Points offer is still available.
The fastest way to earn Citi ThankYou® Points is through a new cardmember sign-up bonus. Here are the best available new cardmember welcome bonuses on cards that earn ThankYou Points.
Editor’s pick: The best ThankYou® Points sign-up bonus in January 2024
The best ThankYou® Points sign-up bonus right now is the bonus on the Strata Premier℠ card. For many people, this bonus could mean an easy $750 cash back (75,000 points worth 1 cent each). But if you can leverage Citi’s ThankYou transfer partners, the bonus could be worth much more.
Citi doesn’t offer increased welcome bonuses on its cards often, so the Strata Premier bonus represents a rare opportunity to pick up additional points on a card that you’ll want anyway if you’re in the Citi ThankYou Points ecosystem. All of the other cards are currently on their business-as-usual bonuses.
Current ThankYou® Points sign-up bonuses at a glance
Here’s the best current sign-up bonus on every Citi ThankYou® Points earning card. Note that some of these are listed as “cash back” bonuses because Citi markets the Citi Custom Cash℠ Card and Citi® Double Cash Card as cash back cards. Behind the scenes, both of these cards earn ThankYou Points—$100 = 10,000 ThankYou Points.
Citi Strata Premier℠ Card bonus
Annual fee: annual_fees
Best sign-up bonus: bonus_miles_full
Learn how to apply.
This bonus is earned as Citi ThankYou® Points. With the Strata Premier, ThankYou Points can be redeemed for 1 cent of cash back each, or transferred to various travel transfer partners.
Citi Custom Cash® Card bonus
Annual fee: annual_fees
Best sign-up bonus: bonus_miles_full Learn how to apply.
This bonus is marketed as cash back, but earned as ThankYou® Points.
Citi Double Cash® Card bonus
Annual fee: annual_fees
Best sign-up bonus: bonus_miles_full Learn how to apply.
This bonus is marketed as cash back, but earned as Citi ThankYou® Points.
Citi Rewards+® Card bonus
Annual fee: annual_fees
Best sign-up bonus: bonus_miles_full Learn how to apply.
This bonus is marketed as cash back, but earned as ThankYou® Points.
Are you eligible to earn these sign-up bonuses?
Citi restricts the ability to receive a new cardmember welcome bonus on its ThankYou® Points cards to one bonus every 48 months. Keep in mind that the terms refer to when you received the bonus, rather than when you earned the bonus or opened the account. Here’s an example pulling from the recently-launched Citi Strata Premier℠ card:
Bonus ThankYou® Points are not available if you have received a new account bonus for a Citi Premier® or Citi Strata Premier℠ account in the past 48 months
Citi Strata Premier℠ sign-up bonus terms.
Some cards like the Citi Double Cash have additional language that restricts you from earning the bonus if you have earned a bonus on a card that you converted to that type of account:
Bonus ThankYou® Points are not available if you have received a new account bonus for a Citi Double Cash account in the past 48 months or if you converted another Citi credit card account on which you earned a new account bonus in the last 48 months into a Citi Double Cash account.
Citi Double Cash sign-up bonus terms
Here’s a quick table that you can reference that reflects what we saw when we last dug into the terms of these bonuse. As always, it can be a good idea to check the terms of any bonus before you apply for a card, as these terms can change.
| Card | 48-month restriction | 48-month restriction for converted cards |
|---|---|---|
| Cannot receive a new account bonus if you’ve received a bonus for same type of account within previous 48 months. | Cannot receive a new account if you’ve received a bonus on a card that you’ve converted to this type of account within the previous 48 months. | |
 Citi Custom Cash® Card | ||
 Citi Double Cash® Card | ||
 Citi Rewards+® Card | – | |
 Citi Strata Premier℠ Card | Also applies if you had the Citi Premier® card, a previous version of the card | – |
Bottom line: If interested in ThankYou® Points, get the Strata Premier now
If you are collecting ThankYou® Points and do not already have the Citi Strata Premier card, now is a great time to get that card. Citi doesn’t typically offer increased bonuses on its ThankYou Points cards, so this is a rare opportunity to get a larger bonus on this card.
Frequently asked questions
Can I apply for more than one Citi credit card at a time?
Citi limits approvals to one personal card every eight days, and two cards every rolling 60 days. You can apply for a business card and a personal card at the same time and get approved, but you won’t be approved for two business cards or two personal cards on the same day. We have more on this in our article about the things you need to know when applying for Citi cards.
Does the Citi Double Cash® Card earn cash back or ThankYou® Points?
The Citi Double Cash® Card is marketed as a cash back card, but behind the scenes, it earns ThankYou Points. If you hold the Citi Double Cash, you can redeem your points for one cent each. If you also hold a Citi Premier card, you can transfer your points to travel partners.
Can ThankYou Points be redeemed for once cent per point?
The Citi Strata Premier℠ Card, Citi® Double Cash Card, and Citi Custom Cash℠ Card allow you to redeem your points for one cent of cash back each. The Citi Rewards+® Card only allows you to redeem points for one cent each toward gift card redemptions, unless you hold one of the other cards.
What happens to my points when I close a card?
When you close a card that earns Citi ThankYou® Points, you’ll need to redeem all of the points associated with that account or lose them within 90 days. Keep in mind that, if you have a combined ThankYou Points account, it is nearly impossible to tell which card is associated with the points you’re redeeming—you’ll likely need to redeem your entire ThankYou Points balance to avoid losing any points.
Advertiser disclosure: Cards and Points has partnered with CardRatings for our coverage of credit card products. Cards and Points and CardRatings may receive a commission from card issuers. Some or all of the card offers that appear on this site are from advertisers. Compensation may affect how and where card products appear on the site. The site does not include all card companies or all available offers. Opinions, reviews, analyses & recommendations are the author’s alone, and have not been reviewed, endorsed or approved by any of these entities. Terms apply to all credit card benefits.
