Citi Premier Card


The Citi Premier Card is a solid travel card, offering 3X points per dollar for travel purchases, including gas. It earns 2X points per dollar for dining and entertainment.

A signup offer of 50,000 bonus points can be earned for spending $4,000 in the first 3 months after account opening, worth $625 when redeemed for airfare or $500 in gift cards.

Cardholders get some decent benefits, like the Citi Concierge and Citi Private Pass.

The Premier card has a $95 annual fee, waived the first year. There are no foreign transaction fees.

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Card Details

Rewards

Rewards

  • 3X points per dollar spent on Travel, including gas
  • 2X points per dollar spent on
    • Dining
    • Entertainment
  • 1X point per dollar spent on all other purchases
How to Redeem

Introductory Bonus

  • 50,000 bonus points for spending $4,000 on purchases in the first 3 months of account opening

Redemption Bonus

  • 25% point bonus when redeeming for airfare through ThankYou.com
Card Stats

Card Stats

Annual Fee $95, waived for first 12 months
Additional Cards Annual Fee $0
Regular Purchase APR 16.74% - 25.74% Variable
Intro Purchase APR N/A for N/A
Foreign Transaction Fee 0%
Chip Technology Chip-and-Signature & Chip-and-PIN
Minimum Credit Limit $2,000
Maximum Credit Limit -
Free Credit Score No
Penalty APR Up to 29.99% Variable
Late Fee Up to $39
Returned Payment Fee Up to $39
Balance Transfers

Balance Transfers

Intro Balance Transfer APR N/A for N/A
Regular Balance Transfer APR 16.74%–25.74% Variable
Balance Transfer Fee 3% of each balance transfer; $5 minimum.
Cash Advances

Cash Advances

Cash Advance APR 27.49% Variable
Cash Advance Fee 5%, $10 minimum

Card Benefits

Check your card’s Guide to Benefits to learn the specific benefits your card offers and how to access them.

  • Point Transfer

    To a variety of airline frequent flyer programs, including TrueBlue, Virgin Atlantic Flying Club and Singapore Airlines KrisFlyer.

  • Citi Concierge Service

    Access to a personal assistant whenever you’d like, for help in a variety of non-emergency situations.

  • Citi Private Pass

    Access to exclusive events and experiences.

  • FICO® Credit Score

    Check your credit score for free any time you’d like, based on your Equifax credit report.

  • Choose Your Payment Due Date

    Choose to pay your bill in the beginning, middle, or end of the month.

  • Account Alerts

    Get notices about your account details, like balance levels and payment reminders.

  • Virtual Account Numbers

    Get a virtual account number for safer online shopping.

  • Mastercard Benefits

    You will be provided with a list of benefits available to you once you get approved for your card.

  • $0 Fraud Liability

    You won’t be held responsible for fraudulent charges (contact customer support if you suspect fraud).

  • Citi® Identity Theft Solutions

    Get help if your identity is stolen.

Visitor Reviews

Read about experiences others have had with this card and leave your own review here.

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Average rating:  
 2 reviews
by Jon S
Charging interest even with

I signed up for this card approximately 2 months ago and have a balance of ~$3,200. The promo is 50,000 ThankYou points after $4,000 of purchases in the first 3 months. Despite the advertised "15 mo. 0% interest" promo, I was shocked to see a $50 interest charge on my last statement. After calling and my case being submitted to "application review", I received a letter saying that my terms were the best they could offer me at this time. Even the Citi customer service rep stated when I called that she had never seen a promo offer without the 0% introductory offer.I found the initial offer invitation code with the 0% offer and submitted it for review again. Have not heard back yet. VERY SHADY business practices. BE AWARE of this card.

by Saeed Siddiqui
Interest rate.

Horrible card!! Don't fall for low interest rate at sign-up. If you missed or delayed a single payment your interest rate will go up to 24.95% right away. Lies about review and lowering the interest rates once you make payment on time. I have made more than minimum payments for over 3+ years on time and still at 24.95%. You can get a better interest rate at a PAWN shop. Closing it!

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