Citi Premier Card review | finder.com

Review: Citi Premier℠ Card — November 2018

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Earn more points on travel purchases and get flexible card services and complimentary insurance policies with the Citi Premier℠ Card.

The Citi Premier℠ Card is a new entry to the credit card market and comes with several features. The card offers 3x points on travel purchases and no annual fee for the first 12 months (then $95). There is no limit to the amount of points you can earn, and the points will not expire. You will be rewarded 2 ThankYou Points for each dollar spent on dining out and entertainment, and 1 point on all other purchases.

Product NameCiti Premier℠ Card
Card TypeVisa
Annual Fee$0 annual fee for the first year ($95 thereafter)
APR (Annual Percentage Rate) for Purchases16.49% to 25.49% variable
Balance Transfer APR16.49% to 25.49% variable
Balance Transfer Fee$5 or 3% of the transaction, whichever is greater
Cash Advance Rate27.24% variable
Foreign Transaction FeeNone
Cash Advance Fee$10 or 5% of the cash advance amount, whichever is greater
Interest Free PeriodUp to 23 days
Late Payment FeeUp to $35
Returned Payment FeeUp to $35
Additional Cardholder Fee$0
Minimum Age18 years of age
Welcome OfferEarn 50,000 bonus points after making $4,000 in purchases with your card within the first 3 months of account opening.
Reward Value per Dollar1 points
Rewards Points ExpiryNever

Citi Premier℠ Card review

If you spend a lot while traveling and are looking for a way to earn rewards points, the Citi Premier℠ Card could be the perfect solution.

Applying for the Citi Premier℠ Card is simple, and you can do so online or by phone. If you are approved, you have the flexibility to choose your payment due date when you sign up for the card. Additionally, you can manage and view your account online.

As you spend with the card, you will earn rewards points. This card has the best value for those who plan on redeeming their points through the ThankYou Travel Center. When you redeem your points for airfare through the ThankYou Travel Center, your ThankYou points are worth 25% more.

The Citi® ThankYou® Preferred Card is likely to be accepted by most foreign merchants, and you can set the card up with Apple Pay.

Benefits of the Citi Premier℠ Card

  • Travel rewards.
    With the card, you can earn 3 points per one dollar spent on travel. This even includes gas. For dining out and entertainment, you can earn 2 points per one dollar spent. For all other purchases, the card earn 1 point per dollar spent.
  • No expiration.
    There is no expiration or limit on how many points you can earn with the card.
  • Foreign transaction fees.
    You don’t have to worry about foreign transaction fees on purchases.
  • Citi private pass.
    If you are a Citibank customer, you can enjoy special access to thousands of tickets for events each year. This includes pre-sale tickets to concerts, VIP packages to different events, dining experiences, movie screenings and more.

Features

  • Annual fee.
    With the Citi Premier℠ Card, you can expect to pay a $95 annual fee. This fee is waived for the first 12 months.
  • APR.
    The purchase APR is variable, and ranges from 16.49% to 25.49% variable depending on your creditworthiness.
  • Redeem points.
    You can choose to redeem your points online through ThankYou.com or over the phone.
  • Savings.
    The card includes a Citi Price Rewind feature that lets you find out if you received the lowest price on your Citi card purchase. Citi Price Rewind will search for a lower price on the registered items that you purchase with your Citi Card. It can search hundreds of online merchants, and if it finds a lower price within 60 days of when you initially bought the item, you can receive the difference in price (up to $300 per item and $1,200 each year).
  • Secure.
    For extra protection, the card is enhanced with EMV chip technology.
  • Concierge service.
    The card includes 24/7 concierge service, so you can have help booking a flight or hotel room, easily and at any time.
  • Travel protection.
    The Citi Premier℠ Card makes sure you are covered while traveling, and includes lost baggage protection, travel and emergency assistance, and worldwide car rental insurance. It also provides worldwide travel accident insurance, and trip cancellation and interruption protection.
  • Purchase protection.
    You can feel safer with included purchase protection perks, like an extended warranty, zero dollar liability on unauthorized charges, and damage and theft purchase protection.

Compare other Citi credit cards

Updated November 16th, 2018
Name Product Filter values Annual Fee APR for Purchases (Purchase Rate) Intro APR for Balance Transfer
$0 annual fee for the first year ($95 thereafter)
14.74%, 21.24% or 24.74% variable
$0
13.74%, 21.74% or 25.74% variable
Earn 20,000 bonus miles once you spend $$1,000 on purchases within the first 3 months from account opening.
$0
14.74%, 22.74% or 26.74% variable
0% for the first 15 months (then 14.74%, 22.74% or 26.74% variable)
Earn unlimited 1.5% cash back on every purchase, every day
$39
22.97%, 24.97% or 26.97 variable
Get unlimited 1.5 cash back on every purchase with no limit on how much you can earn, and no changing categories.
$0 annual fee for the first year ($95 thereafter)
16.24%, 21.74% or 25.24% variable
Earn unlimited 4% cash back on dining, 2% on groceries and 1% on all other purchases.
SavorOne℠ Rewards from Capital One®
SavorOne℠ Rewards from Capital One®
$0
18.74%, 23.74% or 27.74% variable
0% for the first 15 months (then 18.74%, 23.74% or 27.74% variable)
Earn a one-time $150 cash bonus once you spend $500 on purchases within the first 3 months from account opening.
$0
26.99% variable
Enjoy no annual fee, plus access to valuable benefits.
$0
26.99% variable
Earn 1% cash back on all your purchases. Pay on time to boost your cash back to a total of 1.25% for that month.
$0
24.99% variable
Take control and build your credit with responsible use.
$0
24.74% variable
Get the credit you want for your business, and unlimited 1% cash back on every purchase, every day.
$0
14.74%, 18.74% or 22.74% variable
Unlimited 1.5X miles per dollar on every purchase, every day.
$0 annual fee for the first year ($95 thereafter)
18.74% variable
Unlimited 2 miles per dollar on every purchase, every day.
$0
14.74%, 18.74% or 22.74% variable
Unlimited 1.5 cash back on every purchase, every day.
$0 annual fee for the first year ($95 thereafter)
18.74% variable
Unlimited 2% cash back from Spark Cash could mean thousands of dollars each year going back into your business. No minimum to redeem.

Compare up to 4 providers

How to apply for the Citi Premier℠ Card

Applying for this card is easy, and can be done online or by phone. All applicants are required to meet the following eligibility requirements:

Eligibility criteria:

  • US citizen
  • Only valid to new accounts
  • At least 18 years old

The application requires the following information and documentation:

Required documents & information:

  • Full name
  • Residential address
  • Birthdate
  • Phone number
  • Social Security number
  • Financial information (i.e., annual income)
  • Email address
  • Proof of employment and income amount

If you are looking to redeem rewards points as you spend while traveling, the Citi Premier℠ Card could act as an ideal solution. Before choosing this card, be sure to compare it with other credit card options.

Adrienne Fuller

Adrienne Fuller leads the publishing team at finder.com. She has one goal: to deliver the accurate and transparent information she wishes she had when she made some of life's important financial decisions. When she's not helping folks save money, she's hiking with her two Catahoulas around her home in San Diego.

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