Fooq's restaurant in Miami is not the kind of place that needs a credit card company to fill its tables. That is partly the point.

Tonight, the Wynwood spot hosts the latest installment of The Supper Club dining series, a partnership between Citi and The Supper Club that has been moving through American cities since October 2025. The dinner is open only to Citi Strata Elite cardholders, and like every previous stop on the tour, it was not announced through a public reservations system.

The Supper Club, founded in 2005, built its reputation as a private membership community centered on access: hard-to-book restaurants, notable chefs, and rooms kept deliberately small. The organization has operated outside the mainstream reservations market for two decades, which is a large part of what made it a useful fit for a financial institution trying to differentiate a premium credit product. The Citi partnership, which launched last fall, is the closest the company has come to a formal consumer-facing expansion.

The Supper Club Has Already Sold Out Four Cities

Before Miami, the series sold out events at Craig's in Los Angeles, The Corner Store and Café Carmellini in New York City, and Mister Charles in Dallas. The format at each stop is consistent: a custom menu from a featured chef, a curated guest list of cardholders, and a setting designed to feel like a private dinner rather than a sponsored event.

"Our collaboration with The Supper Club lets us offer cardholders access to some of the best restaurants in the country," said Courtney Joseph, Head of Rewards for U.S. Consumer Cards at Citi.

The 2026 schedule already has four confirmed stops: Miami in April, Los Angeles in May, The Hamptons in July, and Chicago in September. San Francisco has been named as a future destination, though Citi has not confirmed a date.

Citi's Own Research Shaped the Strategy

The series did not emerge from a general sense that dining is popular. Citi commissioned a survey of 1,000 adults who hold a premium credit card, defined as one carrying an annual fee of $395 or more, conducted between June and July 2025. The numbers pointed toward a specific behavioral pattern.

Among that group, 48 percent said they were more likely to go out with others when rewards or perks were in play. Another 45 percent said perks made them more likely to dine casually, and 40 percent said they were more likely to choose a more distinctive restaurant when their card was driving the decision. The data suggests rewards programs are not simply capturing spending that would have happened anyway. They are shaping where people go and who they bring with them.

The Citi Strata Elite card structures its restaurant earning rates around this idea. Cardholders earn 6x points on restaurant spending on Fridays and Saturdays between 6 p.m. and 6 a.m. Eastern time, and 3x points outside those hours. The Supper Club dinners add something the points structure cannot: a seat that is not available to the general public.

From The Supper Club's perspective, the national platform has done something useful beyond reach. "These events are helping us build a community of diners who come back, bring their friends, and follow the chefs across cities," said Melissa Crane-Baker, Senior Vice President of Brand at The Supper Club. That dynamic, repeat attendance and cross-city loyalty, is what distinguishes this kind of experiential benefit from a one-time promotion.

The larger question the partnership raises is whether access, rather than points or cash back, is becoming the more durable differentiator in the premium card category. With four cities on the books and a fifth in discussion, Citi is treating 2026 as a test run for that thesis.