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If you're looking to earn transferable Citi ThankYou Rewards points , Citi offers three cards within its Strata lineup. Applying for one of these cards can net you a large welcome bonus and diversify your points, giving you access to valuable transfer partners.

From no annual fee to $595, it's important to choose a Strata card that fits your budget and travel goals.

Each card offers a wide range of bonus-earning categories and benefits to help elevate your travel. Here's a rundown of the three Citi Strata credit cards and their current welcome offers.

Comparison of Strata card welcome offers

Card Welcome offer Bonus value* Annual fee

Citi Strata Elite℠ Card (see rates and fees) Earn 75,000 bonus points after spending $6,000 on purchases within the first three months from account opening. $1,425 $595

Citi Strata Premier® Card (see rates and fees) Earn 60,000 bonus points after spending $4,000 in the first three months from account opening. $1,140 $95

Citi Strata℠ Card (see rates and fees) Earn 20,000 bonus points after spending $1,000 on purchases within the first three months from account opening. $380 No annual fee

*The bonus value is based on TPG's July 2026 valuations and is not provided or reviewed by the issuer.

Citi Strata Elite

The Citi Strata Elite is the latest to join the ranks of premium credit card heavyweights. It's ideal for travelers who use Citi Travel, dine out on Friday and Saturday nights and are interested in some American Airlines perks.

Welcome offer: Earn 75,000 bonus points after spending $6,000 on purchases within the first three months from account opening.

We've seen higher offers in the past , so waiting for a better offer may be the right move. That said, if this card already fits your travel goals and the timing is right for you, the current welcome offer is still worth an estimated $1,425 based on TPG's valuations.

Annual fee: $595

THE POINTS GUY Earning rates:

12 points per dollar spent on attractions, car rentals and hotels booked through Citi Travel

6 points per dollar spent on flights booked through Citi Travel

6 points per dollar spent at restaurants, including restaurant delivery services, on CitiNights℠ purchases, every Friday and Saturday from 6 p.m. to 6 a.m. Eastern time

3 points per dollar spent on restaurant purchases at all other times

1.5 points per dollar spent on all other purchases

Key benefits:

Blacklane credit: Up to a $200 annual credit (up to $100 biannually) for Blacklane chauffeur bookings

Global Entry/TSA PreCheck credit: Up to a $120 credit every four years for a Global Entry or TSA PreCheck application fee

Hotel credit: Up to $300 off one prepaid hotel stay (minimum two-night booking) when booking through Citi Travel each calendar year

Lounge access: Complimentary Priority Pass Select lounge access and four Admirals Club passes annually

Splurge credit: Up to $200 in annual statement credits with your choice of two brands: 1stDibs, American Airlines (exclusions apply), Best Buy, Future Personal Training and Live Nation (exclusions apply)

Why we like it: Overall, this card is a great choice if you prefer the simplicity of booking travel through an issuer's portal. The hotel credit can be used toward any prepaid hotel reservation (of at least two nights) booked through Citi Travel, and the Splurge credit is relatively easy to maximize. I recommend using it for American Airlines purchases, such as airfare or additional Admirals Club day passes.

You can also use the Splurge credit to purchase travel gear from Best Buy, including Apple AirTags and noise-canceling headphones.

That said, Citi doesn't have its own airport lounge network like some competitors, so its lounge access benefits aren't as compelling. Additionally, the boosted restaurant earning rate only applies on Friday and Saturday evenings during designated Eastern Time hours, although it's valid at eligible restaurants worldwide.

Finally, Citi ThankYou Rewards points can now be transferred to American Airlines AAdvantage, making this card a great option for frequent American Airlines travelers.

To learn more, read our full review of the Citi Strata Elite .

Apply here: Citi Strata Elite

Citi Strata Premier

Often flying under the radar, the Citi Strata Premier is an excellent mid-tier travel card thanks to a wide range of bonus categories missing from many of its competitors.

Welcome offer: Earn 60,000 bonus points after spending $4,000 on purchases in the first three months from account opening.

Based on TPG's valuations, the welcome offer is worth $1,140.

This offer is on the lower end of what we've seen in the past , so we'd recommend holding out if possible.

Annual fee: $95

THE POINTS GUY Earning rates:

10 points per dollar spent on attractions, car rentals and hotels booked through Citi Travel

3 points per dollar spent on electric vehicle charging, flights, gas stations, other hotels, restaurants (including takeout) and supermarkets

1 point per dollar spent on all other purchases

Why we like it: This card offers an impressive range of bonus-earning categories for a $95 annual fee, making it an excellent choice for everyday spending , a one-card wallet or anyone who feels the Strata Elite's annual fee is too steep .

It offers an annual $100 hotel credit for one hotel booking of $500 or more (excluding taxes and fees) made through the Citi Travel portal, which makes up for the annual fee, as long as you use it.

In addition, you receive various travel protections such as car rental coverage, lost or damaged luggage protection and trip cancellation insurance.

To learn more, read our full review of the Citi Strata Premier .

Apply here: Citi Strata Premier

Citi Strata

The Citi Strata Card is an entry-level card within the Strata lineup.

Welcome offer: Earn 20,000 bonus points after spending $1,000 on purchases within the first three months from account opening.

Based on TPG's valuations, the welcome offer is worth $380. Although we've seen a higher welcome offer of 30,000 points in the past (no longer available), the current offer is in line with what the card typically offers, so it may not be worth waiting for a better bonus.

Annual fee: None

THE POINTS GUY Earning rates:

5 points per dollar spent on attractions, car rentals and hotels booked through Citi Travel

3 points per dollar spent on EV charging, gas stations, select transit and supermarkets

3 points per dollar spent on an eligible self-selected category each quarter (barber shops/cosmetic stores/hair salons, fitness clubs, live entertainment, pet supply stores or select streaming services)

2 points per dollar spent at restaurants

1 point per dollar spent on all other purchases

Why we like it: The Citi Strata has impressive earning rates for a no-annual-fee card, especially the quarterly self-selected category. A unique aspect of the Citi Strata is that you can transfer points to partners, but only at a transfer ratio of 1:0.7 for most airline and hotel partners.

That could make it a compelling option for American Airlines fans who aren't ready to commit to an annual fee, since Citi offers American as a transfer partner.

To learn more, read our full review of the Citi Strata .

Apply here: Citi Strata

Bottom line

If you're looking to supercharge your travel rewards, any of the Citi Strata cards could be a compelling option for your wallet.

Each card in the lineup offers an impressive list of bonus-earning categories, so be sure to select a card that fits your everyday expenses and your travel needs. Keep welcome offer history in mind to take advantage of the best welcome offer.

For maximum value, consider transferring your ThankYou points to Citi's airline or hotel partners.

Apply here: Citi Strata Elite

Apply here: Citi Strata Premier

Apply here: Citi Strata

Editorial disclaimer: Opinions expressed here are the author’s alone, not those of any bank, credit card issuer, airline or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.

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As streaming services have become more popular in recent years, each platform has had to release more content in different genres to meet the increased demand of subscribers. One of the genres that has consistently provided the most hits is the action/conspiracy thriller, with shows like Reacher on Prime Video and The Day of the Jackal on Peacock earning love from millions around the world. After canceling The Recruit (starring Noah Centineo ) last year, Netflix has positioned The Night Agent as its most popular big-budget action series. The show is led by Gabriel Basso , who also starred opposite Idris Elba and Rebecca Ferguson in one of the biggest Netflix movies of 2025, A House of Dynamite .

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Ivy League college students are, by definition, intelligent. They don't need to use generative AI to cheat on exams; they could just learn the material. But they also tend to be competitive, ambitious, and overscheduled, so AI can look like an easy shortcut that makes more time in their lives for things that can't be done by a chatbot. When the pressure is on, which approach do they choose?

A new scandal at Brown University reveals that huge numbers of these students are likely to cheat.

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A recent survey of Princeton students found that 29.9 percent admitted to cheating with AI on at least one exam or assignment. But the recent situation at Brown gives us a better sense of what this kind of cheating looks like in one particular class—and just how much it may be substituting for actual learning. And we know all this because the blind economics professor at the center of it all, Roberto Serrano, is not letting it go.

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Around 100,000 years ago, an early Homo sapiens man was probably stabbed in the face with a sharp stone tool and later buried in a cave in what is now Israel, archaeologists have determined. The Stone Age cold case appears to be the earliest evidence of this kind of interpersonal violence, according to the research team.

In a study published June 30 in the journal Scientific Reports , the international team of researchers closely examined the skull and lower jaw of a person who was deliberately buried in Qafzeh cave in Israel during the Middle Paleolithic period.

At least 27 people were buried in Qafzeh cave between about 145,000 and 92,000 years ago, making them some of the earliest members of our species to be found outside Africa. Previous analysis of the skeletons, which were excavated between the 1930s and 1970s, revealed that two people had head injuries resulting from blunt trauma.

But the new analysis, which employed microscopic and micro-CT scanning techniques, revealed that Qafzeh 25, an adult male, had a cut mark across his lower left jaw that affected one of his bicuspids and part of his upper jaw. The jawbone showed signs of healing, suggesting that the man lived for a significant amount of time after being injured, the researchers wrote in the study.

Archaeologists had previously identified only a few cases of trauma caused by sharp weapons or projectiles in Middle Paleolithic skeletons. Although these injuries could have resulted from hunting accidents, the researchers wrote, they have generally been interpreted as evidence of interpersonal violence.

The cut mark on the jaw of Qafzeh 25 was found on the left side of his face, lending further support to the idea that the injury was not an accident.

A close-up of the left side of the lower jaw, showing a cut mark near a bicuspid. (Image credit: Ana Pantoja et al.) It's not clear what kind of tool made the cut mark, but stone tools found at Qafzeh included flint scrapers and sharp points that could have been fashioned into spear tips.

"Forensic studies of modern human populations have reported that craniofacial injuries resulting from blows are more frequently observed on the left side of the skull, a distribution commonly attributed to the predominance of right-handed assailants in face-to-face confrontations," the researchers wrote.

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If the researchers' interpretation of the cut mark is correct, it "would represent the earliest documented case of sharp force trauma in the archaeological record," they wrote.

Qafzeh cave is already well known within archaeology for its clear evidence that early humans buried their dead. The new discovery confirms that the earliest human groups left Africa with a complex culture.

"These results provide new data to the debate on the origin of complex behaviors such as interpersonal violence, the care of injured or sick individuals and funeral practices," study first author Ana Pantoja Pérez , a paleoanthropologist at Spain's National Research Center for Human Evolution, said in a statement .

See how much you know about early humans with our human evolution quiz!

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Credit: Joe Maring / Android Authority

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T-Mobile is restricting its Keep & Switch and Family Freedom deals from tomorrow.

Existing voice customers will no longer be eligible for the offers when adding a new line.

The change follows T-Mobile’s recent confirmation that some legacy plans are being retired.

T-Mobile customers have had a rough couple of weeks, and the carrier isn’t exactly changing the mood music with its latest move. After confirming that some legacy plans are being retired and migrated to newer options, T-Mobile is now restricting two of its long-running switcher deals so existing voice customers can no longer use them when adding a line.

As detailed by The Mobile Report , T-Mobile is changing the terms of its Keep & Switch and Family Freedom promos, starting tomorrow. The carrier’s own support pages ( here and here ) state that, as of July 9, both promos are “open only to brand-new customer accounts” and that existing accounts are not eligible.