Citi was founded in 1812 and is one of the largest banks in the US today. It has more than 700 US bank branches and a wide variety of rewards credit cards. Global Finance magazine named Citi the World’s Best Digital Bank in 2022.
The Citi Premier® Card is Citi’s mid-tier travel rewards credit card. It has an annual fee of $95 and offers three ThankYou® points per dollar spent on dining, groceries, gas, flights, and hotels. It also offers one ThankYou® point per dollar on all other purchases. ThankYou® points can be redeemed for cash, gift cards, and online shopping. They can also be transferred to Citi’s airline partners for flight purchases. The Citi Premier® Card also comes with an annual $100 hotel credit.
The Citi Premier® Card is ideal for individuals in search of a travel rewards card that’s easy to manage. Citi offers triple points across several common spending categories, and there are no rotating bonus categories to keep track of. ThankYou® points can be redeemed for cash at a rate of $0.01 per point.
Individuals who travel internationally may get the most out of the Citi Premier® Card. Citi’s airline partners include Virgin Atlantic, Singapore Airlines, Turkish Airlines, and AeroMexico. The only domestic airline you can transfer ThankYou® points to is JetBlue. The Citi Premier® card also has no foreign transaction fee.
The Citi Premier® Card has an annual fee of $95. This fee is not waived for the first year.
The card carries an interest rate of 20.24% - 28.24% APR (variable). Your rate is determined by your creditworthiness.
The card has no foreign transaction fee. Balance transfers cost $5 or 5% of the transfer amount, whichever is greater.
| AnnualFee | InterestRate | BalanceTransferFee | ForeignTransactionFee |
| $95 | 20.24% - 28.24% APR (variable) | $5 or 5%, whichever is greater | None |
The Citi Premier® Card offers unlimited triple ThankYou® points when spending at restaurants, supermarkets, gas stations, airlines, and hotels. You also get unlimited single points on all other purchases.
The card comes with a $100 annual hotel credit, which you can use on a single hotel stay that costs $500 or more. This credit alone can pay for the card’s annual fee.
New cardholders also earn 60,000 bonus ThankYou® Points after you spend $4,000 in purchases within the first 3 months of account opening.
You must have a credit score of 670 or more to qualify for the Citi Premier® Card. You can apply online, over the phone, or in person at a Citi branch.
You’ll need to provide your name, contact information, birth date, Social Security number, and annual income. Citi conducts a hard credit check, which can impact your credit score. Citi issues an application decision instantly in most cases, but a decision can sometimes take up to 30 days.
If you’re approved, you’ll see your interest rate and credit limit. Your new card will arrive in the mail in seven to 10 days.
Citi offers phone and chat support 24/7. You can also visit any Citi branch for assistance.
Phone: 1-800-950-5114
Citi’s website has an FAQs section dedicated to the Citi Premier® Card. An online knowledge base explains how to activate your card, pay your statement, and more.
Citi uses SSL encryption to protect your online application and account. The bank offers two-factor authentication and biometric login using fingerprints or facial recognition for additional security.
All Citi cardholders receive $0 liability protection. So, you never have to pay for fraudulent charges on your card. Citi offers email and SMS alerts if suspicious activity is detected on your card.
Citi also has a dedicated fraud prevention hotline that’s available 24/7.
ThankYou® points can be redeemed at thankyou.com. You can redeem points for cash or gift cards at a rate of $0.01 per point. You can also transfer points to mileage programs with Citi’s airline partners, which include JetBlue, Singapore Airlines, Turkish Airlines, Virgin Atlantic, and more.
No, the Citi Premier® Card does not charge a foreign transaction fee.
The Citi Premier® Card is a rewards credit card that offers triple ThankYou® points on dining, groceries, gas, flights, and hotels, plus single points on all other purchases. New cardholders earn 60,000 bonus ThankYou® Points after spending $4,000 in purchases within the first 3 months of account opening. The card also offers $100 hotel credit and carries a $95 annual fee. Overall, the Citi Premier® Card can be a good choice for individuals who want to earn rewards across several high-spend categories or who frequently travel internationally.
This review was completed using the information from the Citi website.
Opinions expressed here are the author's alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.
