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The Citi Premier℠ Card lets you earn accelerated points on travel purchases like airfare, hotels, car rental and also on railways, public transportation, tolls, taxis, parking, ferries and more.
You can also take advantage of a 25% increase in point value when you redeem your points on airfare, making it a solid travel card whether you go by plane or car.
ThankYou points. Earn 3x points on travel and gas purchases, 2x points on dining out and entertainment and 1x points on everything else you buy. Travel purchases cover airfare, hotels, car rental, travel agencies, railways, public transportation, tolls, taxis, parking and more.
Signup bonus. Spend $4,000 on purchases within 3 months of account opening and earn 60,000 bonus ThankYou points. According to the Citi site as of January 2019, that’s worth between $500 and $625.
Is the annual fee worth it?
The card comes with a $95 annual fee, which is waived for the first year. To make the card worth it, you can clear the signup bonus. Doing so comes with a value of $500 to $625, which is enough to outweigh the annual fee for the next five years.
Alternatively, you can spend $2,117 annually on purchases in the 3x points category.
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Higher point value on airfare. Your points are worth 25% more when you redeem for flights through the ThankYou Travel Center.
No foreign transaction fees. Whenever you travel abroad, use your card without fear of incurring fees on foreign transactions.
Additional cards. Add authorized users without additional annual fee costs and earn points on their purchases.
Choose your own due date. Choose any available due date in the beginning, middle or end of the month. This gives you maximum flexibility to pay your balance and avoid paying interest.
Annual fee. Expect to pay $95 annually, starting from your second year of card membership.
Penalty APR. Pay your balance on time, otherwise you could end up with a penalty APR of up to 29.99% variable. Once incurred, the penalty APR may last indefinitely.
No intro APR period. Some travel credit cards offer an intro APR period on balance transfers and purchases. This card isn’t one of them. Compare 0% intro APR credit cards if you’re looking to save on interest.
Compare rewards credit cards
Updated September 18th, 2019
What should I know before I apply?
You can apply for this card if you’re at least 18 years old.
You’ll also need to provide your:
Full name, contact information and address
Social Security number and date of birth
Annual income and monthly mortgage or rent payment
What credit score do I need?
Your chances of approval increase if you have an excellent credit score of 740 or higher.
What do customers say about the Citi Premier℠ Card?
Some customers complain about declined charges. Especially after they upgraded from the Preferred card. Others claim they had to wait a month before they received their card, which made it hard for them to spend enough money to clear the signup bonus.
But overall, most customer complaints revolve around poor customer service and their inability to solve customer’s issues. The Better Business Bureau rates Citibank with an F because the bank rarely responds to customer complaints on the BBB website.
Purchases made at, with or for the following categories earn 3x ThankYou points:
Taxis, limousines and other car services
Bridge and road tolls
Campgrounds and trailer parks
Motor home vehicle rentals and boat leases and rentals
Purchases made at, with or for the following categories earn 2x ThankYou points:
Fast food restaurants
Live theatrical productions
Live sporting events
Museums and art galleries
Video rental stores and on-demand internet streaming media
In general, ThankYou points are worth one cent each. But if you redeem your points for airline tickets, your points are worth 1.25 cents each.
No, ThankYou points don’t expire.
Yes, you can transfer your ThankYou points to:
You need a minimum of 1,000 points to make the transfer.
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