Citi Premier® Card: review

Make every moment and every point count. The Citi Premier® Card rewards you with ThankYou® Points for dining at your favorite restaurant, picking up groceries, filling up at the pump, traveling to your next destination and everything in between.

With your Citi Premier® Card you’ll earn 3X points on restaurants, supermarkets, gas stations, air travel and hotels, and 1X on all other purchases. With the ThankYou® Points you earn, you can redeem for gift cards, travel rewards, shop with points and more.

Pros & Cons

Pros

• No foreign transaction fee
• No blackout dates
• Flexible travel redemption options
• Add authorized users for no additional cost

Cons

• High regular APR
• High penalty APR
• $95 annual fee with no first-year waiver
• No intro APR offer

Rates, fees & offers

• Annual fee: $95
• Bonus offer: Earn 80,000 bonus ThankYou® Points after you spend $4,000 in purchases within the first 3 months of account opening
• Intro APR: N/A
• Ongoing APR
  APR: 15.99% – 23.99% Variable APR
  Penalty APR: up to 29.99%
  Cash Advance APR: 25.24%
• Balance transfer fee: either $5 or 5% of the amount of each transfer, whichever is greater.
• Foreign transaction fee: None

Review

Travel

• $100 Annual Hotel Savings Benefit: Enjoy $100 off a single hotel stay of $500 or more, excluded fees, through thankyou.com, once per calendar year.
• No Foreign Transaction Fees: When you’re ready to travel, enjoy your trip to the fullest with no foreign transaction fees.
• Points Transfer: Transfer ThankYou® Points to participating airline loyalty programs including TrueBlue®, Viring taxes angin Atlantic Flying Club and Singapore Airlines KrisFlyer, to get flights faster. There is no fee, and the minimum transfer is only 1,000 points.

Citi ThankYou

The Citi Premier® Card card offers a nice welcome bonus, a solid ThankYou Point reward earning structure and doesn’t charge foreign transaction fees. Citi ThankYou points are a lesser known but extremely valuable rewards currency. The card also offers $100 off an annual hotel stay, but the hotel stay must cost $500 or more excluding taxes.

Citi ThankYou Points can be transferred to partners including JetBlue TrueBue, Virgin Atlantic Flying Club, Singapore Airlines KrisFlyer, Turkish Airlines Miles & Smiles and others.

Convenience

• Tap Your Card with Contactless Pay: Shop safely with a contactless-chip enabled card. Just tap your card on the payment reader and go in seconds.
• Additional Cards: Add an authorized user to your account at no additional cost and earn points faster. After all, the benefits of this card are so amazing they’re worth sharing.
• Digital Wallets: Digital Wallets let you shop with confidence in millions of places online, within apps and in stores.

How to request this card

Applying for a credit card is very simple and you can do it through the app or website. But you need:

• Social Security Number
• Gross income
• Employer name (if applicable)
• Rent/mortgage amount

Did you like this card? Click on the button below and get yours right now.