dcsimg

Our credit card articles, reviews and ratings maintain strict editorial integrity; however we may be compensated when you click on or are approved for offers from our partners. How we make money.

Apply online for Citi Premier℠ CardSponsored card
About Our Ratings
Credit Needed
Excellent

Citi Premier Card Review

Pros & Cons

  • Enjoy 50,000 bonus ThankYou® points, worth $625 in airfare when redeemed through the ThankYou® Travel Center, after spending $4,000 in the first three months of account opening.
  • Points are worth 25 percent more when you redeem for airfare through the ThankYou® Travel Center.
  • You can redeem points at any time on any airline, without blackout dates, when you book through the ThankYou® Travel Center or redeem for $500 in gift cards at thankyou.com.
  • While you can transfer your points to some airline loyalty programs, the list of options is short on domestic carries so cardholders that tend to fly within the United States might not be able to maximize the transferable points flexibility.

Top Features

Rewards
Earn 3X Points on Travel, Including Gas Stations. Earn 2X Points on Dining Out & Entertainment. Earn 1X points on All Other Purchases.
Bonus Rewards
Earn 50,000 bonus ThankYou® Points after you spend $4,000 in purchases within the first 3 months of account opening
Regular APR
16.49% - 25.49%* Variable
Annual Fee
$95, waived for first 12 months*

Full Review

Curtis Arnold Editor-in-chief

Citi Premier Card

The Citi Premier Card (Citi is a CardRatings.com advertiser) offers high rewards for everyday purchases like gas, tolls and parking and good-for-you splurges like amusement park trips, RV and boat rentals, and airfare.

The Citi Premier Card's best features:

  • Spend $4,000 in the first three months and receive 50,000 bonus points, worth $625 in airfare when redeemed through the ThankYou® Travel Center or $500 in gift cards when redeemed through thankyou.com
  • Three points for every $1 spent on travel, including gas.
  • Two points per $1 spent on dining out and entertainment.
  • One point on other purchases.
  • Citi® waives the annual fee of $95 for the first 12 months.

What Our Editors Like Most About Citi Premier Card

Thanks to changes Citi® made in early 2015, you now can earn more points on travel (up from 2 points per dollar to 3 points). For most cards, this typically includes airfare, hotels and public transportation, but the Citi Premier Card also gives you rewards for gas – which adds up quickly, especially if you’re a chauffeur for the little ones, a commuter or a road warrior.

Your points are worth 25 percent more when you redeem them for air travel, cruises, hotels and car rentals through the ThankYou® Travel Center, Citi’s online booking tool. Do the basic math and a $400 purchase turns into 500 points – not a bad incentive to skip Kayak and Expedia.

No foreign transaction fees. The card also has several travel protection benefits, including chip technology for enhanced security, which is a bonus when traveling abroad.

One great card benefit is Citi’s 24/7 personal concierge service. Too busy to book your own travel? Use the service and a representative will book your flight and hotel. A rep can even make your restaurant reservations and help you find the perfect gift.

And if you’re an avid concert goer or sports enthusiast, use Citi® Private Pass® to purchase pre-sale tickets and VIP packages to concerts, sporting and various entertainment events.

Potential Downsides of Citi Premier Card

While you can transfer points to different loyalty programs from airlines and hotels, you’ll be hard-pressed to find a domestic carrier on the list. Unless you’re headed to Qatar (maybe to check out World Cup 2022) or Singapore on your next vacation, you’ll likely be underwhelmed by the rewards transfer program. Citi’s ThankYou® Rewards Program only includes the following airlines:

  • Asia Miles
  • Avianca LifeMiles
  • Eva Air
  • Etihad Guest
  • Flying Blue
  • Garuda Indonesia
  • JetPrivilege
  • Malaysia Airlines Enrich
  • Qantas Frequent Flyer
  • Qatar Airways Privilege Club
  • Singapore Airlines KrisFlyer
  • Thai Airways Royal Orchid Plus
  • TrueBlue (JetBlue, the only domestic airline on the list)
  • Turkish Airlines Miles & Smiles
  • Virgin Atlantic Flying Club

The annual fee of $95 is in line with competitors, but you need to spend around $800 per month to offset the fee. If you’re a light credit card user, considering a card without an annual fee may mean more rewards for you.

Another drawback of the Citi Premier Card is that there’s some red tape on redeemable offers, so you’ll need to be strategic about redeeming points. Gift cards and flight redemptions will get you the most value, at 1 cent per point. Statement credits, shopping purchases and cash back offer less. To get the most benefit, redeem your points for air travel, cruises, hotels and car rentals through the ThankYou® Travel Center, where they’re worth 1.25 cents each.

How Citi Premier Card Compares to Other Travel Rewards Credit Cards

Citi Premier Card vs. Chase Sapphire Preferred® Card

The Chase Sapphire Preferred® Card requires $4,000 in spending for the first three months to earn 50,000 Ultimate Rewards® points, which are worth $625 in travel. It's an equal required spend as with the Citi card, and an equal bonus reward, except with Citi you have the option to get $500 in gift cards when redeemed at thankyou.com.

In terms of ongoing rewards, the Chase Sapphire Preferred® Card offers two times the points on travel and dining, while you’ll get three times the points on travel with the Citi Premier Card and two times the points on dining out and entertainment. Both cards eliminate foreign transaction fees and waive the annual fee the first year. (After that, it’s $95 for both). However, if you prefer to use your rewards points on domestic travel, Chase Sapphire Preferred® is the better option, because Citi Premier Card's points transfer program includes fewer airlines and most are international.

Citi Premier Card vs. American Express® Gold Card

The welcome offer for the American Express® Gold Card is 25,000 Membership Rewards® Points after you spend $2,000 on eligible purchases with your new card within the first 3 months.

There are a few differences from the Citi Premier Card to the American Express® Gold Card. While the Citi Premier Card offers three times the points on travel, which includes gas, the American Express® Gold Card offers:

  • 3X Membership Rewards(R) Points on flights booked directly with airlines or on amextravel.com
  • 4X Membership Rewards® Points at U.S. restaurants. 4X Membership Rewards® Points for shopping at U.S. supermarkets (on up to $25,000 per year in purchases, then 1X)
But the $250 annual fee is not waived in the first year as the much lower fee is for the Citi Premier Card. That's a hefty fee. If you’re a casual spender, Citi Premier Card offers better value.

Who Should Get The Citi Premier Card

If Citi® could mold the perfect consumer for its Citi Premier Card, it would probably be a suburbanite who commutes an hour to work every day, has date nights at a place sans coloring placemats and is game for a family RV adventure.

If you tend to use your credit card for everyday expenses like gas, tolls, parking, dining out and going to the movies, offsetting that annual fee after the first 12 months shouldn't be a problem.

This page was last updated on December 06, 2018

This card compared to other reward cards

Rewards
Earn 3X Points on Travel, Including Gas Stations. Earn 2X Points on Dining Out & Entertainment. Earn 1X points on All Other Purchases.
5X Membership Rewards® points on flights booked directly with airlines or with American Express Travel. 5X Membership Rewards points on prepaid hotels booked on amextravel.com.
2X points on travel and dining at restaurants & 1 point per dollar spent on all other purchases worldwide
Bonus Rewards
Earn 50,000 bonus ThankYou® Points after you spend $4,000 in purchases within the first 3 months of account opening
Earn 60,000 Membership Rewards® after you use your new Card to make $5,000 in purchases in your first 3 months.
Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $625 toward travel when you redeem through Chase Ultimate Rewards®
Regular APR
16.49% - 25.49%* Variable
N/A 
17.99% - 24.99% Variable 
Annual Fee
$95, waived for first 12 months*
$550
$0 Intro for First Year, then $95
Rates and Fees
CardRatings.com Editorial Staff

Citi Premier Card details

Cash Back on Gas
3X ThankYou® Points
Cash Back on groceries
1X ThankYou® Points
Cash Back on other
1X ThankYou® Points
Purchase Intro
APR:
N/A
Regular APR
16.49% - 25.49%* Variable
Annual Fee
$95, waived for first 12 months*

What Citi says about this card

  • Earn 50,000 bonus ThankYou® Points after you spend $4,000 in purchases within the first 3 months of account opening
  • Earn 3X Points on Travel, Including Gas Stations
  • Earn 2X Points on Dining Out & Entertainment
  • Earn 1X Points on All Other Purchases
  • 50,000 Points are redeemable for $625 in airfare on any airline, anytime with no blackout dates when booked through the ThankYou® Travel Center, or $500 in gift cards when redeemed at thankyou.com
  • No expiration and no limit to the amount of points you can earn with this card
  • Points Transfer allows you to transfer points to participating airline loyalty programs
  • No Foreign Transaction Fees on purchases*

Credit Card Consumer Reviews:

  1. No reviews available for this card.   Be the first to review!

Write Consumer Reviews:





E-Mail will not be published









Highlighted offers
Currently available on the Citi Premier Card
Earn 50,000 bonus ThankYou® Points
After you spend $4,000 in purchases within the first 3 months of account opening

Start Here

Search. Compare. Apply.

Apply online for The Platinum Card® from American Express

The Platinum Card® from American Express

  • Earn 60,000 Membership Rewards® points after you use your new Card to make $5,000 in purchases in your first 3 months.
  • Enjoy Uber VIP status and free rides in the U.S. up to $15 each month, plus a bonus $20 in December. That can be up to $200 in annual Uber savings.
  • 5X Membership Rewards® points on flights booked directly with airlines or with American Express Travel.
  • 5X Membership Rewards points on prepaid hotels booked on amextravel.com.
  • Enjoy access to the Global Lounge Collection, the only credit card airport lounge access program that includes proprietary lounge locations around the world.
  • Receive complimentary benefits with an average total value of $550 with Fine Hotels & Resorts. Learn More.
  • $200 Airline Fee Credit, up to $200 per calendar year in baggage fees and more at one qualifying airline.
  • Get up to $100 in statement credits annually for purchases at Saks Fifth Avenue on your Platinum Card®. Enrollment required.
  • $550 annual fee.
  • Terms Apply.
Terms and Limitations Apply
Credit Needed:
Good, Excellent
Apply online for Chase Sapphire Preferred® Card

Chase Sapphire Preferred® Card

  • Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $625 toward travel when you redeem through Chase Ultimate Rewards®
  • Chase Sapphire Preferred named "Best Credit Card for Flexible Travel Redemption" - Kiplinger's Personal Finance, June 2018
  • 2X points on travel and dining at restaurants worldwide & 1 point per dollar spent on all other purchases.
  • No foreign transaction fees
  • 1:1 point transfer to leading airline and hotel loyalty programs
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards. For example, 50,000 points are worth $625 toward travel
  • No blackout dates or travel restrictions - as long as there's a seat on the flight, you can book it through Chase Ultimate Rewards
Credit Needed:
Excellent, Good