Good afternoon everyone. A few weeks ago, I received a shocking and unexpected email from Citi regarding my beloved Citi Rewards+ Credit Card. On July 20, 2025, the Citi Rewards+ Credit Card will be converted to the new Citi Strata Credit Card. With that change, this credit card is about to lose its two best features:
- Rounding up to the nearest 10 points on every purchase
- Receiving 10% points back for the first 100,000 Citi ThankYou Points (TYPs) redeemed per calendar year.
With those losses looming, I’ve been strategizing how to max out the 10% rebate before the July 20 deadline. This quest sent me down a rabbit hole figuring out how many rebated points I already received in 2025 and trying to predict which TYP transfer bonuses might come around in the next two months. Follow me down the rabbit hole…