Credit Cards (US)
Citi Premier® Card review
The Citi Premier® Card is a solid travel rewards card that offers a generous sign-up bonus and plenty of opportunities to earn points. Read our review to see if it's the right card for you.
Citi Premier® Card: Upgrade your everyday life and travel experiences!
Do you have aspirations to travel in style and earn more for your everyday purchases? Then you’ll want to take a look at this Citi Premier® Card review. With its impressive rewards program, this card is an attractive option for those seeking great value from their money.
- Credit Score: Good – Excellent.
- Annual Fee: You’ll need to pay a $95 annual fee for the Citi Premier®.
- Intro offer: For a limited time, Citi offers all new cardholders 80,000 bonus points after $4,000 in purchases within the first 3 months of membership.
- Rewards: With the Citi Premier® Card, you’ll earn 3x points on travel, gas stations, supermarkets and restaurants. All other purchases earn a flat 1 point.
- APRs: The variable APR on purchases and balance transfers ranges between 20.24% and 28.24%. For cash advances, the variable is 29.49%.
- Other Fees: Up to $41 on late and returned payments. 5% or $5 for balance transfers and 5% or $10 for cash advances.
The Citi Premier® Card offers a variety of benefits that make it a great option for frequent travelers. From the ability to earn bonus points on select purchases, to no foreign transaction fees.
But travelers aren’t the only ones who can benefit greatly from this card. You’ll be able to earn the same rate on things you spend money on daily, like gas stations, restaurants and supermarkets.
So whether you’re looking for an all-purpose rewards card or one tailored to specific types of purchases, this credit card is a great choice. Keep reading our Citi Premier® Card review to learn what else it can do for your wallet.
What to expect from the Citi Premier® Card
The Citi Premier® Card is a great choice if you’re looking for an everyday credit card that offers rewards, bonuses and benefits. With this card, you can earn points on every purchase, as well a higher rate in certain categories such as travel and dining.
There’s a generous welcome offer (with spending requirements) that is worth $800 in gift card redemptions. As for your earned points, you can redeem them for gift cards as well as travel rewards. You can also shop at selected merchants with those points.
The card has a modest $95 annual fee that is worth the cost, especially if you prioritize this card for everyday spending. The APR varies between 20.24% and 28.24% according to your creditworthiness, and there’s no foreign transaction fees for international purchases.
You’ll also earn up to $100 in hotel savings benefit per year. Plus, you have the option to transfer your points to participating airline loyalty programs at no extra charge.
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Do the pros outweigh the cons?
Next in our Citi Premier® Card review, we’ll cover the high and lowlights this card has to offer. That way you can decide whether or not it’s the right financial tool for you.
- Solid rewards rate on restaurants, supermarkets, gas station and travel;
- 80,000 bonus points for new members who meet the spending requirements;
- Make international travel even better with no foreign transaction fees;
- Easily redeemable points, which you can transfer to airline loyalty programs.
- High variable APR depending on your creditworthiness;
- No low introductory rates for new cardmembers.
What are the eligibility requirements?
To qualify for this credit card, you need to meet Citi’s criteria. A good or excellent credit score is recommended, as well as a high and steady annual income. The company will also request proof of residency, and you must be over the age of 18 with a valid SSN.
Learn how to request the Citi Premier® Card
If this Citi Premier® Card review got you interested in applying, fantastic! In the following link, we’ll take a closer look at how the application process works. You’ll learn how to request this card online in a matter of minutes. Read on to see more!
About the author / Aline Barbosa
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