Credit Cards (US)
Citi Premier® Card review
The Citi Premier® Card is ideal for those who want great bonuses for daily spendings as well as travel advantages. Learn more about this great card in our full review.
by Victória Lourenço
Citi Premier® Card: great benefits for everyday purchases!
The Citi Premier® Card is a credit card for those who would love to have a great bonus on everyday purchases and some travel benefits as well.
This card is currently offering a great welcome offer where after spending $4,000 in the first 3 months, you will get 60,000 ThankYou® points. You can redeem those points for $600 in gift cards at thankyou.com.
Citi ThankYou® points can be redeemed for purchases made with the card. Also, on travel booking made at the Citi ThankYou’s website, you can earn an amount of up to $0.0125 for each point.
This Citi card also includes bonuses for shopping in supermarkets and gas stations. It even offers good advantages in terms of hotels and certain travel bonuses.
The card used to be a good choice for travelers, but the company introduced some modifications last year, and that could have lowered its worth for this sort of purchase.
But that does not mean that this is not a good travel card. Keep reading our full review of this Citi card to know more about its perks.
How do you get the Citi Premier® Card?
Do you love to get bonuses for daily purchases and also get travel rewards? Keep reading to learn how to apply for the Citi Premier® Card!
Credit Score | Good to excellent |
Annual Fee | $95 |
APR | Ongoing Purchases APR: 20.49% – 28.49% (Variable); Ongoing Balance Transfer APR: 20.49% – 28.49% (Variable); Ongoing Cash Advance APR: 29.74% (Variable). |
Welcome bonus* | After spending $4,000 in the first 3 months, you will get 60,000 ThankYou® Points. You can redeem those points for $600 in gift cards at thankyou.com |
Rewards* | Earn 3 ThankYou® Points per $1 spent at Restaurants and Supermarkets Earn 3 ThankYou® Points per $1 spent at Gas Stations, Air Travel and Hotels; Earn 1 ThankYou® Point per $1 spent on all other purchases. |
How does the Citi Premier credit card work?
You can earn up to 3 points for every $1. The rates include 3X a dollar at supermarkets, restaurants, gas stations, hotels, and air travel. It also covers 1 point for every dollar spent on any other purchase.
But, the purchases made with this card need to be made at places that classify as supermarkets, gas stations, and related bonus categories.
If you only buy a supermarket item, your purchase might not be qualified for the bonus points.
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Citi Premier® Car benefits
Pros
- No foreign transaction fees on purchases;
- You can earn 60,000 ThankYou® Points once you spend $4,000 in purchases within the first 3 months of account opening;
- You can earn 3 points per dollar spent on supermarkets, restaurants, gas stations, air travel and hotels;
- Earn 1 point per dollar on all other purchases;
- You’ll have access to hotel savings benefit;
- Your points don’t expire and there’s no limit to the amount of points you can earn with this card.
Cons
- It has a $95 annual fee
- Limitations on travel perks
Should you get a Citi Premier® Card?
This card is great for people who spend on supermarkets, restaurants, and other everyday activities. The card also has good benefits regarding high-cost hotels and air travel.
So, if you think that these rewards and benefits fit your profile and lifestyle, you should get this Citi card. But if you would like to have a card with more travel benefits, then maybe you should consider a different card.
How good does your credit score need to be?
Citi’s website doesn’t provide the exact information about how good your score needs to be. But we recommend that you have at least a good to excellent credit score, which is from 670 to 850 points.
You can also go to Citi’s website and search for the session that checks if you are pre-qualified. You can enter the personal information required, and they will give you a report about your pre-qualification.
How to apply for a Citi Premier® Card?
It is very quick and easy to apply for this Citi credit card. There are online options and mobile options. You will only need to enter the information required to start the application process.
If you want to know more about how to apply for this great card, check out our post with important related information.
How do you get the Citi Premier® Card?
Do you love to get bonuses for daily purchases and also get travel rewards? Keep reading to learn how to apply for the Citi Premier® Card!
The content on this page is accurate as of the posting date; however, some of the offers mentioned may have expired.
Victória Lourenço
Aline Barbosa
Senior Editor
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