Citi Thankyou Rewards is one of the most valuable reward currencies on the market.
The Citi Thankyou Rewards program offers 22 Transfer partnerincluding American Airlines Aadvantage, Singapore Krisflyer and Reward wyndham. Citi Thankyou Rewards Points is one of the most valuable flexible currencies, with TPG on September 2025 appraisal riding them at 1.9 cents each – almost comparable to Rewards of American Express membership and Chase Ultimate Rewards.
If you want to incur your income and maximize your redemption with the Citi Thankyou Rewards program, you may want to take Citi Trifecta. It refers to the setup of three cards Citi credit card It opens the potential of strong income and redemption.
You can use different combinations to build Citi Trifecta, and your choice depends on how you travel and redeem your eyes. Let’s dive into the combination and see which one is best for your wallet.
What is Citi Trifecta?
Citi Trifecta is a card setup containing three cards that have Citi Thankyou Rewards Points.
In general, you will want your Citi Trifecta to cover three types of expenses:
- Cards that maximize expenses daily
- Cards that get in your top spending category
- Card that opens the best redemption value for your eyes
Why should you get Citi Trifecta?
When you hold three cards to create Citi Trifecta and deliberately spend the cards that earn the most in a certain category, you will end your supercharging Citi Thankyou Rewards Points, which leads you to aspiration redemption earlier.
Maximize points of points
When it comes to revenue, you will want to choose a Citi card that earns bonus points at your normal expense.
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First, the Double Cash® Citi Card (See rates and fees) is the best option for unused expenses, as it regains fixed cash on everything (1% when you buy, plus an additional 1% as you pay).
Next, the CTI CASH CASH® CARD CARD It is a good option to maximize revenue in your top expense category. This is because it earns 5% back at the first $ 500 spent in the eligible expense category.
Information for Citi Custom Cash has been collected freely by men’s eyes. The card details on this page have not been reviewed or provided by the card issuer.
Finally, the strata card has a bonus category to take advantage of your frequent spending, which we will go into later:
Get the best of your redemption
With Thankyou Rewards Points, you can redeem credit statement, cash back or gift card. However, the best way to get closest to the value of 1.9 cents per TPG point (Each TPG Assessment September 2025) is to transfer your eyes to a partner.
The Citi ecosystem includes many high value friends, such as Air France-KLM Flying Blue, The privilege of choice and Virgin Atlantic Flying Club.
When you transfer your points to a partner, you need to have a thankyou Citi Premium card to receive a full transfer ratio of 1: 1.
If you hold Prestige® Citi Card , Most partners).
Information for Citi prestige has been collected freely by men’s eyes. The card details on this page have not been reviewed or provided by the card issuer.
If you do not hold one of these cards, you will receive only 0.7 points or stones for every 1 Thanks for the transferred Rewards Point (for most partners).
This is why we recommend adding elite strata or Prime Minister Strata to Citi Trifecta rather than a no-annual strata; Strata will not unlock the 1: 1 transfer value.
Related: The best way to redeem Citi Thankyou Rewards Eyes
Which card is in Citi Trifecta?
Here is a card fraction that you can choose to build Citi Trifecta.
Double Citi Cash Card
Annual fees: $ 0.
Welcome Offer: Get $ 200 cash after spending $ 1,500 on purchases in the first six months of account opening.
A major income rate:
- 5% cash back to hotel, car rental and ordered with Citi Travel
- Cash back 2% on each purchase (1% unlimited cash when you purchase, plus an additional 1% when you pay for the purchase)
The Double cash is a card for a day’s purchase. It ensures that you will receive at least 2% back to all your expenses.
To learn more, read us a full review of double cash.
Apply here: Double Citi Cash Card
Citi’s custom cash card
Annual fees: $ 0.
Welcome Offer: Get $ 200 cash after spending $ 1,500 on purchases in the first six months of account opening.
A major income rate: Cash back 5% on the first $ 500 purchase in your top spending category for the billing cycle, including:
- Drugstore
- Fitness club
- Gadget
- Grocer
- Home repair shop
- Entertainment
- Restaurant
- Choose Transit*
- Choose a journey **
- Choose a streaming service ***
*Choose transit defined as car rental, ferry, commuter train, subway, taxi/limousine/car service, passenger train, bridge and toll, parking/garage, bus line, and home and recreational rental. It also includes traders who sell electricity to charge electric vehicles. It does not include bicycle/scooter rentals, car clubs and insurance companies.
** Choose a trip defined as airlines, hotels, cruise lines and travel agencies.
*** Select streaming services defined as cable, satellite and streaming providers, such as Amazon Prime Video, Amazon Music, Apple Music, Disney+, DirectV Stream, ESPN+, Fubotv, Max, NBA League PAS
In addition, you will get 4% cash in the hotel, car rental and ordered attractions with Citi’s journey.
Custom cash is a card to get the bonus category you spend most. You can maximize different categories of each billing cycle, adding flexibility to your Trifecta.
To learn more, read us Full study of custom cash.
Citi strata premier card
Annual fees: $ 95.
Welcome Offer: Get 60,000 bonus points after spending $ 4,000 for purchases in the first three months of account opening.
A major income rate:
- 10 points per dollar spent on hotels, car rental and attractions booked through Citi Travel
- 3 points per dollar spent on air trips and other hotel purchases and in restaurants, supermarkets, and gas and EV stations
The Strata premier Do cards for regular travelers can maximize their bonus categories, such as gas and flights. It is also a great choice for eating and food.
To learn more, read us A full study of Prime Minister Strata.
Apply here: Citi strata premier card
Citi Strata elite card
Annual fees: $ 595.
Welcome Offer: Get 80,000 bonus points after spending $ 4,000 for purchases in the first three months of account opening. (You can get a welcome offer of 100,000 bonus points with the same expense requirements if you apply personally at the Citi branch.)
A major income rate:
- 12 points per dollar spent on hotels, car rental and attractions booked through Citi Travel
- 6 points per dollar spent on air travel booked via Citi Travel
- 6 points per dollar are spent at restaurants, including restaurant shipping services on Citinights purchases, every Friday and Saturday from 6pm to 6am east (3 points per dollar is spent on the purchase of restaurants outside and hours)
The The elite strata is the best option for someone who will use the premium card benefits. This is also a great choice for those who want to book through the Citi Travel Portal and maximize your income during the weekend.
To learn more, read us A full study of elite strata.
Apply here: Citi Strata elite card
Citi strata card
Annual fees: $ 0.
Welcome Offer: Get 30,000 bonus points after spending $ 1,000 for purchases in the first three months of account opening.
An income rate:
- 5 points per dollar spent on hotels, car rentals and attractions booked through Citi Travel
- 3 points per dollar spent at the supermarket, on the purchase of transit selected and at the gas and EV filling station
- 3 points per dollar are spent in the quarterly choosing its own (which you can change every quarter), including barbershops, cosmetics shops and hair salons, fitness clubs, live entertainment, pet supplies and select streaming services
The Strata Is the card to choose from if you maximize the card bonus category and install it with a premium card to unlock the full 1: 1 transfer value. But the other cards on this list include most bonus categories.
To learn more, read us A full study of strata.
Apply here: Citi strata card
An instance of trifecta
Let’s say you choose to build Trifecta with double cash, custom cash and Prime Minister Strata.
Here’s an example of how you can maximize your monthly expenses with these three cards:
| General purchases, not used | Double cash | $ 1,000 | 2,000 |
|---|---|---|---|
| Groceries | Custom cash | $ 500 | 2,500 |
| Flights and hotels | Strata premier | $ 1,000 | 3,000 |
| Quantity | – | $ 2,500 | 7,500 |
You can hypothesically transfer 7,500 points for short US domestic flights via aadvantage. Or, you can save a year for 90,000 points for use for premium hotels or flight redemptions.
Related: I’m not sold in elite strata – but Prime Minister Strata may be my new wallet staple
Bottom Line
Citi Thankyou Rewards Points is a very valuable currency, and building Citi Trifecta is the best way to get it at a profitable rate and redeem them for luxury redemption.
Remember, to unlock the full value of the reward points that can be transferred, you will want to make sure your Trifecta Citi includes elite strata, premier strata or prestige. This will give you the best redemption value.
Apply here: Double cash
Apply here: Strata premier
Apply here: The elite strata
Apply here: Strata