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Citi Premier℠ Card review

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Advertiser Disclosure

Annual Fee
$95.00
Interest Rate: Purchases
21.24% ‐ 29.24% (Variable)
Interest Rate: Purchases
21.24% ‐ 29.24% (Variable)
Balance Transfer
21.24% ‐ 29.24% (Variable)
Balance Transfer
21.24% ‐ 29.24% (Variable)
Rewards
1 - 3 points
Rewards
1 - 3 points
Signup Bonus
60000 points (after spending $4,000)
Signup Bonus
60000 points (after spending $4,000)


8.6/10
Informr score
The Citi Premier℠ Card currently has an Informr score of 8.6 out of 10. This score is based on our evaluation of 35 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...


NerdWallet
NerdWallet

This card earns rich ongoing rewards and could be a good deal for those who frequently travel internationally. But other cards offer more useful partners and more expansive definitions of travel.

- Erin Hurd, NerdWallet
Bankrate
Bankrate

The Citi Premier Card is the issuer’s flagship rewards card, and — although its travel perks and rewards aren’t the strongest — its everyday bonus categories, annual hotel savings and excellent pairing opportunities make it a valuable option for many travelers.

- Reena Thomas, Bankrate
Forbes
Forbes

If you spend a lot of money at restaurants, supermarkets, gas stations, airlines and/or hotels, and can also maximize the value of the ThankYou Points you earn through either booking travel at ThankYou.com or transferring points to airline partners, you should strongly consider the Citi Premier® Car...

- Barbara King, Clint Proctor, Forbes
One Mile at a Time
One Mile at a Time

The Citi Premier® Card is an underrated card that earns valuable transferrable points. The card has a reasonable annual fee, a great welcome bonus, and excellent 3x points categories. I don’t think there’s another card in the market with bonus categories as well-rounded as this card.

- Ben Schlappig, One Mile at a Time
The Points Guy
The Points Guy

Despite a bevy of competitors, the Citi Premier’s long list of bonus categories and solid sign-up bonus make it one of the most lucrative points-earning cards in its price range. The wide range of ThankYou Rewards transfer partners makes this card compelling, especially for travelers who desire the...

- Ethan Steinberg, Danyal Ahmed, The Points Guy

Details


Interest Rates
Regular APR Interest Rate 21.24% ‐ 29.24% (Variable)

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

Balance Transfer Interest Rate 21.24% ‐ 29.24% (Variable)

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

Cash Advance Interest Rate 29.99% (Variable)

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

Rates & Fees
Annual Fee $95.00
Balance Transfer Fee 5%

Minimum of $5

Cash Advance Fee 5%

Minimum of $10

Foreign Transaction Fee $0.00
Over Limit Fee $0.00
Late Payment Fee $41.00

Maximum

Promotions
Sign up bonus 60000 points after spending $4,000
  • On purchases within the first 3 months.
  • Earn a total of 10 Points per $1 spent on hotel, car rentals and attractions booked on the Citi Travel portal through June 30, 2024
Rewards
All Purchases 1 point per $1 spent
Restaurants 3 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 air travel purchases

Pharmacy No
Bills No
Additional Details

3 points per $1 spent on Supermarkets category

Features & Benefits
Additional Card Holders Yes
Travel Accident Insurance No
Car Rental Insurance No
Car Rental Discount No
Extended Warranty No
Purchase Protection No
Zero Liability No
No Foreign Transaction Fees Yes
Emergency Assistance No
Concierge Service No
Price Protection No
Fraud Protection No
Free Credit Scores No
Wireless Payments Apple Pay, Samsung Pay, Google Pay
Virtual Cards Yes
Additional Benefits
  • Citi Entertainment
  • Enjoy $100 off a single hotel stay of $500 or more, excluding taxes and fees, through thankyou.com, once per calendar year
Eligibility
Minimum Security Deposit $0
Minimum Age 18
Minimum Personal Income
Temporary Residents No
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Additional comments -
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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