Citi

Bonus Points Offer Bonus ThankYou^® Points are not available if you received a new account bonus for a Citi Premier^® or Citi Strata Premier^® 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 Premier^® or Citi Strata Premier^® account. Citi^® ThankYou^® Rewards Summary of the Citi Strata Premier Card Terms and Conditions With the Citi Strata Premier Card, you can earn ThankYou Points for purchases made on your card. Unless you are participating in a limited-time offer, you will earn: 10 total ThankYou Points for each $1 spent on hotel, car rental and attraction bookings on the Citi Travel^® site via Citi Travel^® site or 1-833-737-1288 (TTY:711) 3 ThankYou Points for each $1 spent on air travel and other hotel purchases 3 ThankYou Points for each $1 spent at restaurants 3 ThankYou Points for each $1 spent at supermarkets 3 ThankYou Points for each $1 spent at gas and EV charging stations 1 ThankYou Point for each $1 spent on all other purchases Cardmembers will also be eligible to receive the $100 Annual Hotel Benefit The following definitions apply to the categories: Citi Travel^® Site : You will earn 10 ThankYou Points for each $1 spent on hotels, car rentals, and attractions when you use your Citi Strata Premier Card to book them through the Citi Travel site via CitiTravel.com or 1-833-737-1288 (TTY:711). For bookings made with a combination of points and your Citi Strata Premier Card, only the portion paid with your card will earn points. Points are not earned on cancelled bookings. If your account is closed for any reason, including if you convert to another card product, you will no longer be eligible for this offer. Citi Travel is powered by Rocket Travel by Agoda. Air Travel and Other Hotel Purchases: Includes purchases at airlines, hotels (not booked through the Citi Travel site via CitiTravel.com), and travel agencies. Restaurants: Includes purchases at cafes, bars, lounges, fast-food restaurants, restaurant delivery services, and take out restaurants. Excludes purchases at bakeries, caterers, and restaurants located inside another business (such as hotels, stores, stadiums, grocery stores, or warehouse clubs). You will not earn 3 ThankYou Points on restaurant gift card purchases if the merchant does not use the restaurant merchant category code. Supermarkets: Excludes purchases made at general merchandise/discount superstores; freezer/meat locker provisioners; dairy product stores; miscellaneous food/convenience stores; drugstores; warehouse/wholesale clubs; specialty food markets; bakeries; candy, nut, and confectionery stores; and meal kit delivery services. Purchases made at online supermarkets or with grocery delivery services do not qualify if the merchant does not classify itself as a supermarket by using the supermarket merchant code. Gas Stations and Electric Vehicle (EV) Charging: Excludes gas and EV charging purchases at warehouse clubs, discount stores, department stores, convenience stores or other merchants that are not classified as gas stations or EV charging using the gas station or EV charging merchant codes. All Other Purchases: Includes the non-qualifying purchases listed above. Merchant Classification for Rewards Categories. Merchants are assigned a merchant category code (“MCC”), which is determined in accordance with Visa/Mastercard/American Express procedures based on the kinds of products and services the merchants primarily sell. We don’t control the assignment of these codes and are not responsible for the codes used by merchants. When you use your card to make a purchase, we're provided an MCC for that purchase. We group similar merchant codes into categories for purposes of making rewards offers. Sometimes you may expect a purchase to fit within a rewards category, but if the code assigned to the merchant wasn’t grouped into that category, as recognized by Citi, your purchase will not qualify for additional points. For example, you won't earn additional points for purchases at a restaurant located within a retailer if the restaurant is assigned a “retailer” code instead of a “restaurant” code. Please also note - purchases made through mobile/wireless technology may not earn additional points depending on how the technology is set up to process the purchase. We reserve the exclusive right to determine which purchases qualify for additional points. Only Purchases Earn Points. You’ll earn Points for purchases using your Card Account, minus returns and refunds. Balance transfers, cash advances, checks that access your card account, items returned for credit, unauthorized charges, interest and account fees, travelers checks, foreign currency purchases, money orders, wire transfers (and similar cash-like transactions), lottery tickets, gaming chips (and similar betting transactions) do not earn ThankYou Points. If your hotel purchase booked through the Citi Travel site qualifies for the $100 Annual Hotel Benefit, you won’t earn points on the portion of your purchase that is offset by the benefit. Open and Current Card Account. You may earn Points as long as your card account is open and current. When You Will Receive Points. Points earned through a purchase with your Card Account will appear in your ThankYou Account at the end of the billing cycle in which you made the purchase. This means that Points earned on purchases made near the end of a billing cycle may take up to one additional billing cycle to appear in your ThankYou Account. (Bonus Points may take one to two additional billing cycles to post to your ThankYou Account). Please see the Citi ThankYou Rewards Terms and Conditions at thankyou.com/terms, or call us at 1-800-THANKYOU (1-800-842-6596) to request a complete copy of the Terms and Conditions. TTY: We accept 711 or other Relay Service. The Terms and Conditions include redemption information on the Citi ThankYou Rewards Program. Changes to the ThankYou Rewards Program. ThankYou Rewards may be terminated with 30 days prior written notice. If ThankYou Rewards is terminated, you will have 90 days from the ThankYou Rewards termination date, or if required by law, date of notification of termination, to redeem all your accumulated ThankYou Points. The ThankYou Rewards Program may be changed at any time, and if required by law, we will provide notice. Rewards offered by ThankYou Rewards and the ThankYou Point levels required for specific rewards are subject to change without notice. $100 Annual Hotel Benefit Once per calendar year, enjoy $100 off a single hotel stay of $500 or more, excluding taxes and fees, when booked through the Citi Travel site via CitiTravel.com (Citi Travel is powered by Rocket Travel by Agoda) or 1-833-737-1288 (TTY:711). This benefit is subject to the following eligibility requirements: To receive the $100 Annual Hotel Benefit, you must pre-pay for your complete stay with your Citi Strata Premier Card, ThankYou^® Points, or a combination thereof. If you choose to use the benefit, the $100 Annual Hotel Benefit will be applied to your reservation at the time of booking. If you cancel a booking for which you used the $100 Annual Hotel Benefit, the benefit will be returned to your account after the cancellation is processed and will remain available for use on any remaining days in the same calendar year. For example, if in November you make a qualifying reservation for March of the next year and use your $100 Annual Hotel Benefit, but then you cancel the reservation in January, you will forfeit that benefit for the prior calendar year. If you use your annual hotel benefit for a non-refundable hotel purchase and you cancel your hotel booking, you forfeit the annual hotel benefit that you used to make that purchase. All reservations must be changed or canceled through the Citi Travel site via CitiTravel.com or 1-833-737-1288 (TTY:711). If your hotel purchase qualifies for the $100 Annual Hotel Benefit, you won’t earn points on the portion of the purchase that is offset by the benefit. Eligibility requirements: Reservations must be made by the primary cardmember. Reservations can be made in the primary cardmember’s or authorized user’s names. Package rates such as air and hotel, or hotel and car rental do not qualify for the benefit. Reservations made through any party or channel other than the Citi Travel site via CitiTravel.com or 1-833-737-1288 (TTY:711) are not eligible for the $100 Annual Hotel Benefit. The $100 Annual Hotel Benefit cannot be combined in the same transaction with the Citi Prestige^® Card Complimentary 4th Night hotel benefit if you have both the Citi Strata Premier and Citi Prestige cards. This benefit also cannot be combined with any other promotions or discounts on thankyou.com. The Reserve by Citi Travel Benefits and Supplemental Terms & Conditions​ The Reserve Benefits (Citi Strata EliteSM, Citi Strata Premier^®, and Citi Prestige^® cardmembers):​ *$100.00 (USD) Experience Credit​ Room Upgrade, upon availability​ Daily Breakfast for Two​ Complimentary Wi-Fi​ Early Check-In, upon availability ​ Late Check-Out, upon availability​ *Experience varies by property ​ To receive these benefits, you must select a hotel room rate offered by The Reserve at check-out ​ Supplemental Terms & Conditions: ​ $100.00 Experience Credit (The Reserve rates only)​ The complimentary $100.00 Experience Credit is determined by each hotel and shall be valued at $100.00 (USD). The $100.00 Experience Credit may be in the form of a credit or gift card, provided directly by the hotel. Please contact the hotel directly to inquire about what services are subject to $100.00 Experience Credit. Certain services subject to the $100.00 USD Experience Credit may require advance reservations. Contact the hotel directly for more information and in order to obtain reservations, if required. Back-to-back stays within 24 hours at the same hotel are considered one stay. Benefits shall be awarded once per stay. If the $100.00 Experience Credit and other benefits are not consumed during the eligible stay, no refunds or compensation shall be provided to you and the remaining balance will be forfeited.​ Room Upgrades (The Reserve rates only)​ Room Upgrades are based on availability and only certain hotel room categories may be available for upgrade. Daily Breakfast for Two (The Reserve rates)​ Daily Breakfast for Two is included and may be provided directly by the hotel or in the form of a gift card or credit. If breakfast is included as a standard amenity of the hotel, no additional compensation or amenity will be provided to you. Complimentary Wi-Fi (The Reserve rates and Hotel Collection)​ Complimentary Wi-Fi is provided, with the exception of select hotels where Wi-Fi is included as part of a mandatory daily resort fee or is not available. If Wi-Fi is included as a standard amenity of the hotel, no additional compensation or amenity will be provided to you. ​Check-In/Check-Out (The Reserve rates and Hotel Collection)​ Early Check-In eligibility is determined at time of check-in and is subject to availability. Late Check-Out eligibility is determined at time of check-in and is subject to availability. General​ Both The Reserve Benefits and Hotel Collection Benefits are subject to change, availability, may vary by hotel and benefits cannot be redeemed for cash and may not be combined with any other offers. Benefits must be used during the stay booked and may not be used at a later date. Benefits are available only when you book with Citi Travel® using your eligible Citi card. All bookings in the Hotel Collection and The Reserve are also subject to Rocket Travel by Agoda’s Terms and Conditions of Use for Hotels, Cars, and Attractions, above. The Hotel Collection Benefits and Supplemental Terms & Conditions​ Hotel Collection Benefits (All eligible cardmembers who can with access to Citi Travel^®):​ Daily Breakfast for Two​ Complimentary Wi-Fi​ Early Check-In, upon availability​ Late Check-Out, upon availability​ To receive these benefits, you must select a hotel room rate within the Hotel Collection at check-out Daily Breakfast for Two (Hotel Collection rates)​ Daily Breakfast for Two is included and may be provided directly by the hotel or in the form of a gift card or credit. If breakfast is included as a standard amenity of the hotel, no additional compensation or amenity will be provided to you. ​ Complimentary Wi-Fi (Hotel Collection rates)​ Complimentary Wi-Fi is provided, with the exception of select hotels where Wi-Fi is included as part of a mandatory daily resort fee or is not available. If Wi-Fi is included as a standard amenity of the hotel, no additional compensation or amenity will be provided to you. Check-In/Check-Out (Hotel Collection rates)​ Early Check-In eligibility is determined at time of check-in and is subject to availability. ​ Late Check-Out eligibility is determined at time of check-in and is subject to availability. ​ General​ Hotel Collection Benefits are subject to change, availability, may vary by hotel and benefits cannot be redeemed for cash and may not be combined with any other offers. Benefits must be used during the stay booked and may not be used at a later date. Benefits are available only when you book with Citi Travel^® using your eligible Citi card. All bookings in the Hotel Collection and The Reserve are also subject to Rocket Travel by Agoda’s Terms and Conditions of Use for Hotels, Cars, and Attractions, above.​ Citi^® Flex Pay Terms and Conditions​ Your Citi Flex Pay monthly payment will be added to the Minimum Payment Due each billing cycle until paid in full. To use Citi Flex Pay on an eligible purchase, your account must be current, under the credit limit, and have the applicable Citi Flex Pay terms. Other factors may apply.​ ​Additional Information. Any benefit, reward, service, or feature offered in connection with your Card Account may change or be discontinued at any time for any reason, except as otherwise expressly indicated. Citi isn’t responsible for products and services offered by other companies. Fraud, Misuse, Abuse, or Suspicious Activity If we see evidence of fraud, misuse, abuse, or suspicious activity, as determined by us in our sole discretion, we reserve the right to take action against you. This may include, without limitation and without prior notice, any or all of the following: Taking away your accrued Points Stopping you from earning Points Suspending or closing your Citi^® Account or ThankYou^® Account Taking legal action to recover Rewards redeemed because of such activity and to recover our monetary losses, including litigation costs and damages Some examples of fraud, misuse, abuse and suspicious activity include: Buying or selling Points Repeatedly opening Card Accounts for the primary purpose of acquiring Points Using your Card Accounts or Citibank Checking Account in an abusive manner for the primary purpose of acquiring Points Using your Card Account other than primarily for personal, consumer or household purposes Points redemptions that you didn’t authorize Please contact the ThankYou Service Center at 1-800-THANKYOU (1-800-842-6596) immediately if you suspect your ThankYou Account is the target of fraud or suspicious activity. TTY: We accept 711 or other Relay Service. Travel Protection Benefits: Should you apply and be approved for the Citi Strata Premier^® card, more information will be provided in the Guide to Protection Benefits you receive with your card. Benefits are subject to terms, conditions, and limitations, including limitations on the amount of coverage. Coverage is provided by New Hampshire Insurance Company, an AIG company. Policy provides secondary coverage only, unless otherwise stated. ©2025 Citibank, N.A. Citi, Citi and Arc Design, and other marks used herein are service marks of Citigroup Inc. or its affiliates, used and registered throughout the world.