Citi Premier℠ Card review

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Advertiser Disclosure

Interest Rate: Purchases
18.24% ‐ 26.24% (Variable)
Balance Transfer
18.24% ‐ 26.24% (Variable)
Rewards
1 - 3 points
Signup Bonus
60000 points (after spending $4,000)


8.1/10
Informr score
The Citi Premier℠ Card currently has an Informr score of 8.1 out of 10. This score is based on our evaluation of 18 sources including reviews from users and the web's most trusted critics.

Am I eligible?


Citi Premier℠ Card is typically available to those with excellent credit scores (650 or greater).
To get this card, you must also:
Yes Be a permanent or temporary resident of USA

Note: This information is only intended as a guide. The final decision is up to the bank and your application could still be rejected even if you can answer 'Yes' to all the minimum criteria above. Always consider your options and your financial situation before you apply for a credit card.

What the Critics Are Saying...


Money Crashers

This card’s awesome point earning and redemption rate on travel, its versatile non-travel redemption options, and the lack of a foreign transaction fee are nice fringe benefits which count in its favor. However, the annual fee, poor point transfer options, low point values for cash and merchandise r...

- Brian Martucci, Money Crashers
CreditCards.com

You don’t have to venture far to reap the benefits of this travel rewards card. The Citi Premier card offers triple the rewards points on a wide variety of travel-related expenses, including gas, toll-road fees, subway fares and more. Cardholders can also earn bonus points on an unusually wide range...

- Kelly Dilworth, CreditCards.com
NextAdvisor

The Citi Premier℠ Card offers the opportunity to earn a hefty intro bonus and accrue unlimited reward points for purchases made with the card, all while charging no foreign transaction fees and no annual fee for the first 12 months (after that, it’s $95 per year).

- NextAdvisor
Bankrate

If you’re OK with redeeming rewards for airfare through the card’s travel portal, the Citi ThankYou Premier Card provides excellent value. With wide definitions for what qualifies as travel and entertainment, faithful users of the card should be able to score free flights fast.

- Robin Saks Frankel, Bankrate
One Mile at a Time

While Chase is still clearly the go-to for beginners, I don’t think ThankYou Points get the attention it deserves. As a result, a card like the Citi ThankYou Premier often feels like a niche product for serious points nerds. That’s a shame, really, as this card can earn some serious points that can...

- Spencer, One Mile at a Time

Details


Interest Rates
Regular APR Interest Rate 18.24% ‐ 26.24% (Variable)

This APR will vary with the market based on the Prime Rate.

Balance Transfer Interest Rate 18.24% ‐ 26.24% (Variable)

This APR will vary with the market based on the Prime Rate.

Cash Advance Interest Rate 27.49% (Variable)

This APR will vary with the market based on the Prime Rate.

Rates & Fees
Annual Fee $95.00
Balance Transfer Fee 3%

Minimum of $5

Cash Advance Fee 5%

Minimum of $10

Foreign Transaction Fee $0.00
Over Limit Fee $0.00
Late Payment Fee $39.00

Maximum

Promotions
Sign up bonus 60000 points after spending $4,000

On purchases within the first 3 months.

Rewards
All Purchases 1 point per $1 spent
Restaurants 2 points per $1 spent
Gas 3 points per $1 spent
Groceries No
Hotels 3 points per $1 spent
Travel 3 points per $1 spent

On purchases made on airfare, cruises, car rental agencies, railways, public transportation tolls, taxis, and much more.

Pharmacy No
Bills No
Additional Details

2 points per $1 spent on Entertainment categories

Features & Benefits
Additional Card Holders Yes
Travel Accident Insurance Yes
Car Rental Insurance Yes
Car Rental Discount No
Extended Warranty Yes
Purchase Protection Yes
Zero Liability Yes
No Foreign Transaction Fees Yes
Emergency Assistance Yes
Concierge Service Yes
Price Protection Yes
Fraud Protection Yes
Free Credit Scores No
Wireless Payments Apple Pay
Eligibility
Minimum Security Deposit $0
Minimum Age 18
Minimum Personal Income
Temporary Residents No
More
Additional comments Other Names (AKA): Citi ThankYou Premier Card

Terms & Conditions Official Terms & Conditions
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Information in this article is believed to be accurate at the time it was written, but terms and conditions may change at any time. All information is presented without warranty or guarantee. Please verify all terms and conditions of any credit card prior to applying.

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Critic Reviews


Money Crashers

A very good rewards card for frequent, high-spending travelers

from Money Crashers

This card’s awesome point earning and redemption rate on travel, its versatile non-travel redemption options, and the lack of a foreign transaction fee are nice fringe benefits which count in its favor. However, the annual fee, poor point transfer options, low point values for cash and merchand...More

This card’s awesome point earning and redemption rate on travel, its versatile non-travel redemption options, and the lack of a foreign transaction fee are nice fringe benefits which count in its favor. However, the annual fee, poor point transfer options, low point values for cash and merchandise redemptions, and penalty interest charges count against it.

Read full review

Less

CreditCards.com

Inclusive bonus categories, elevated sign-up bonus

from CreditCards.com

You don’t have to venture far to reap the benefits of this travel rewards card. The Citi Premier card offers triple the rewards points on a wide variety of travel-related expenses, including gas, toll-road fees, subway fares and more. Cardholders can also earn bonus points on an unusually wide...More

You don’t have to venture far to reap the benefits of this travel rewards card. The Citi Premier card offers triple the rewards points on a wide variety of travel-related expenses, including gas, toll-road fees, subway fares and more. Cardholders can also earn bonus points on an unusually wide range of entertainment and restaurant purchases, making this a good card for cardholders who like to spend their evenings out.

Read full review

Less

NextAdvisor

Earn rewards to spend on cash, travel and more

The Citi Premier℠ Card offers the opportunity to earn a hefty intro bonus and accrue unlimited reward points for purchases made with the card, all while charging no foreign transaction fees and no annual fee for the first 12 months (after that, it’s $95 per year).

Read full review

The Citi Premier℠ Card offers the opportunity to earn a hefty intro bonus and accrue unlimited reward points for purchases made with the card, all while charging no foreign transaction fees and no annual fee for the first 12 months (after that, it’s $95 per year).

Read full review

Less

Bankrate

There's strong rewards-earning potential, but wait for a sign-up bonus to apply

from Bankrate

If you’re OK with redeeming rewards for airfare through the card’s travel portal, the Citi ThankYou Premier Card provides excellent value. With wide definitions for what qualifies as travel and entertainment, faithful users of the card should be able to score free flights fast.

Read full review

If you’re OK with redeeming rewards for airfare through the card’s travel portal, the Citi ThankYou Premier Card provides excellent value. With wide definitions for what qualifies as travel and entertainment, faithful users of the card should be able to score free flights fast.

Read full review

Less

One Mile at a Time

A very useful program with loads of potential

from One Mile at a Time

While Chase is still clearly the go-to for beginners, I don’t think ThankYou Points get the attention it deserves. As a result, a card like the Citi ThankYou Premier often feels like a niche product for serious points nerds. That’s a shame, really, as this card can earn some serious points that can open up some fun redemption options.

Read full review

While Chase is still clearly the go-to for beginners, I don’t think ThankYou Points get the attention it deserves. As a result, a card like the Citi ThankYou Premier often feels like a niche product for serious points nerds. That’s a shame, really, as this card can earn some serious points that can open up some fun redemption options.

Read full review

Less

Credit Card Insider

Decent, but it’s not terribly exciting

from Credit Card Insider

A general travel rewards card, designed for travelers who tend to make a variety of purchases from different airlines and hotels. It’s pretty rewarding with a decent signup bonus.

Read full review

A general travel rewards card, designed for travelers who tend to make a variety of purchases from different airlines and hotels. It’s pretty rewarding with a decent signup bonus.

Read full review

Less

NerdWallet

Offers a cluster of benefits that can be hard to find in a single card

from NerdWallet

If you spend a lot in travel categories and want to redeem for travel, too, this card might be a good fit

Read full review

If you spend a lot in travel categories and want to redeem for travel, too, this card might be a good fit

Read full review

Less

Credit Karma

A great everyday rewards card for frequent flyers and road warriors alike

from Credit Karma

If you’re a hardcore traveler — the kind that regularly buys plane tickets, makes hotel reservations and buys a lot of gas — this card could be pretty close to a no-brainer. Earning three ThankYou® Points per $1 spent on all eligible travel and gas station purchases can be hard to find, es...More

If you’re a hardcore traveler — the kind that regularly buys plane tickets, makes hotel reservations and buys a lot of gas — this card could be pretty close to a no-brainer. Earning three ThankYou® Points per $1 spent on all eligible travel and gas station purchases can be hard to find, especially when paired with flexible reward-redemption options.

Read full review

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ValuePenguin

One of Citi's best travel rewards credit cards

from ValuePenguin

The Citi ThankYou® Premier Credit Card is a decent travel rewards credit card for consumers who do not mind redeeming through the ThankYou® Points rewards program. 

Read full review

The Citi ThankYou® Premier Credit Card is a decent travel rewards credit card for consumers who do not mind redeeming through the ThankYou® Points rewards program. 

Read full review

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The Points Guy

A solid mid-level travel credit card

from The Points Guy

The Citi ThankYou Premier continues to be a solid travel credit card. It is one of the most lucrative points-earning cards thanks to its broad bonus purchase categories.

Read full review

The Citi ThankYou Premier continues to be a solid travel credit card. It is one of the most lucrative points-earning cards thanks to its broad bonus purchase categories.

Read full review

Less

User Reviews


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