Citi Trifecta

• Citi Strata Premier® Card(The Unlocker):

  • Annual Fee: $95

  • Role: Serves as your primary multiplier for shared categories and is mandatory because it unlocks the ability to transfer points to airline and hotel partners.

  • Earning Rates: 3x points on Restaurants, Supermarkets, Gas/EV charging stations, and Air travel/Hotels. It also offers 10x points on hotels and car rentals booked through the Citi Travel Portal.

• Citi Custom Cash® Card(The Specialist):

  • Annual Fee: $0

  • Role: Maximizes your absolute single highest spending category each billing cycle.

  • Earning Rates: 5% cash back (earned as 5x ThankYou points) on your top eligible spending category, up to the first $500 spent per month. Pro tip: Dedicate this card entirely to a category not fully optimized elsewhere, like home improvement, live entertainment, or transit.

• Citi Double Cash® Card(The Catch-All):

  • Annual Fee: $0

  • Role: Sweeps up everything else so you never settle for a base rate of 1x points.

  • Earning Rates: An unlimited flat 2% back (1% when you buy, 1% when you pay) on all non-bonus spending, issued directly as ThankYou points.

Notes:

• The Citi Custom Cash card is no longer open to new applicants starting 2026-05-29.

• Pool Your Points: You can instantly transfer your points from the Double Cash and Custom Cash into your Strata Premier account online via Citi ThankYou Rewards.