Citi Premier Card

The Citi Premier® Card is a mid-tier travel rewards card. It offers 3x points on dining, grocery, air travel, hotels, and gas stations, and then 1x on all other purchases. It also comes with an excellent signup bonus, equivalent to $600 in gift cards or travel rewards at ThankYou.com. You also get $100 off a single hotel stay of $500 or more per year. There are no foreign transaction fees so this card is a good international travel companion. It does charge an annual fee, but if you make use of the hotel credit, it’s essentially free. We dive into the details and your approval odds in this review.

Our Rating

4.7/5.0

Welcome Offer

Earn 60,000 bonus points

Annual Fee

$95

0% on Purchases

N/A

Reward Rate

1x – 3x

0% on Balance Transfers

N/A

Welcome Offer

Earn 60,000 bonus points after spending $4,000 in the first 3 months of account opening, redeemable for $600 in gift cards or travel rewards at thankyou.com.

Features & Benefits

SecurityEMV Chip Enabled
Contactless PaymentsTap to Pay, Apple Pay, Google Pay
Benefits24/7 customer service
Travel PerksAccess to Special Events and Concerts

Rewards

1x points
On all other eligible purchases
Earn 1X points on all other purchases
3x points
U.S. supermarkets
Earn 3X per dollar spent at U.S. supermarkets
3x points
Airfare
Earn 3X per dollar spent on air travel
3x points
Hotels
Earn 3X per dollar spent at hotels
3x points
Dining
Earn 3X per dollar spent at restaurants
3x points
Gas
Earn 3X per dollar spent at gas stations
10x points
Select Categories
Earn a total of 10 ThankYou® Points per $1 spent on hotel, car rentals and attractions booked on the Citi Travel(SM) portal through June 30, 2024.

Interest Rates & Fees

Annual Fee$95
Foreign Transaction Fee0%
Regular APR21.24% - 29.24% (V) APR

What Credit Score Is Required to Get the Citi Premier® Card

The following credit score data are based on publicly available information we have collected from various forums. We have no way to confirm the accuracy of this data. In addition, keep in mind that credit card issuers use a number of factors in their underwriting process, and these factors can change at any time.

App StatusDateCredit ScoreBureauCredit Limit
Approved12/29/2023
814
Equifax
$12,000
Approved12/29/2023
829
Experian
$12,000
Approved12/29/2023
830
TransUnion
$12,000
Approved04/07/2023
804
TransUnion
$3,000
Approved04/07/2023
808
Experian
$3,000
Approved04/07/2023
816
Equifax
$3,000
Approved12/07/2023
791
TransUnion
$11,000
Approved12/07/2023
808
Equifax
$11,000
Approved12/07/2023
808
Experian
$11,000
Approved01/10/2023
803
Experian
$11,000
Approved11/04/2023
722
TransUnion
$7,000

Pros & Cons

Pros
  • Welcome offer
  • No foreign transaction fee
Cons
  • Annual fee

What Are the Best Alternatives?

Chase Freedom Unlimited®
Chase Freedom Unlimited®

Rating

4.9

Rewards Range

1.5% - 5%

Annual Fee

$0

Citi Custom Cash® Card
Citi Custom Cash® Card

Rating

4.7

Rewards Range

1% - 5%

Annual Fee

$0

Blue Cash Preferred® Card from American Express
Blue Cash Preferred® Card from American Express

Rating

4.5

Rewards Range

1%-6%

Annual Fee

$0 intro annual fee for the first year, then $95.

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