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Citi "ThankYou" in Q4-2025: When "Strata" Tries to Reforge Loyalty
Citi didnβt just rename a rewards card in 2025. It relaunched an entire worldview: "ThankYou" points are no longer a backwater alternative to Chase or Amex. With the Strata family, itβs trying to make its points behave like a modern currency - flexible, timed, and fiercely contested.