Citi Premier ReviewsReviews, rates, fees, and rewards details for The Citi Premier® Card. Compare to other cards and apply online in secondsJohn KiernanWalletHub60,000 points initial bonus3 points per $1 spent on travel, gas, dining and at supermarkets (1 point per $1 on everything else)No foreign-transaction fees$95 annual feeNo 0% intro ratesHigh regular APR
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Earn Rewards." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
Editor’s Rating
4.6
User Reviews
3.9
Market Comparison
4.0
fees: 2.9
rewards: 3.8
cost: 4.7
Other Features: 0.0
Earn 60,000 bonus points
after you spend $4,000 in purchases within the first 3 months of account opening
With an initial bonus worth up to $600 and bonus points in several major spending categories, rewards-seekers with good credit will find a lot to like in the Citi Premier® Card.
WalletHub Rating Breakdown
User Reviews
3.9/5
425 reviewsRead and write reviews
Editor’s Review
4.6/5
John Kiernan, Credit Card EditorRead full review
Market Comparison
Market Comparison
4.0
The Market Comparison is a key component of the WalletHub Rating, as it measures how appealing the terms of a card are compared to a pool of over 1,500 credit card offers monitored by WalletHub. To ensure cards are evaluated for their most relevant purpose, we score each card across various cardholder needs and select the rating for the need with the highest score, which is “Earn Rewards” for this card.
Fees
2.9
Rewards
3.8
Cost
4.7
Other Features
0.0
4.0/5
Compared against 1,500+ credit cards
KEY TERMS
Earn 60,000 bonus points
after you spend $4,000 in purchases within the first 3 months of account opening
Accepted Credit Scores
Accepted Credit Scores
Excellent Credit, Good Credit
Citi Premier Annual Fee
$95
Citi Premier APR on Purchases
21.24% - 29.24% (V)
Citi Premier Balance Transfer
APR: 21.24% - 29.24% (V)
Balance Transfer Fee:5% (min $5)
Citi Premier Rewards
Earn 60,000 bonus ThankYou® Points after you spend $4,000 in purchases within the first 3 months of account opening. Plus, for a limited time, earn a total of 10 ThankYou® Points per $1 spent on hotel, car rentals, and attractions (excluding air travel) booked on the Citi Travel℠ portal through June 30, 2024.
Earn 3 Points per $1 spent at Gas Stations, Air Travel and Other Hotels
Earn 3 Points per $1 spent at Restaurants and Supermarkets
Earn 1 Point per $1 spent on all other purchases
Annual Hotel Savings Benefit
60,000 ThankYou® Points are redeemable for $600 in gift cards or travel rewards at thankyou.com
No expiration and no limit to the amount of points you can earn with this card
3 points per $1 spent on travel, gas, dining and at supermarkets (1 point per $1 on everything else)
No foreign-transaction fees
$95 annual fee
No 0% intro rates
High regular APR
Citi Premier Review
John Kiernan
4.6 / 5
With an initial bonus worth up to $600 and bonus points in several major spending categories, rewards-seekers with good credit will find a lot to like in the Citi Premier® Card.
Citi Premier charges a $95 annual fee, but its initial bonus alone also covers years of annual fees. So if you plan on spending $4,000 within 3 months of opening an account, Citi Premier is a good choice. That’s especially true if your biggest expenses match up with Premier’s bonus rewards categories: travel (airfare, hotels and travel agencies), gas, restaurants and supermarkets.
If you’re still not sure, keep reading. We’ll break down the key factors to consider before applying for the Citi Premier Card.
Citi Premier Review Highlights
Big initial bonus. Citi Premier shows its appreciation for new cardholders who spend at least $4,000 within 3 months of opening account by doling out a bonus of 60,000 points. That bounty is redeemable for $600 in gift cards or travel rewards at thankyou.com. It's one of the bigger initial bonuses available right now.
Excellent travel rewards. Premier gives 3 points per $1 spent on travel-related purchases. That includes airfare, hotel reservations, gas and travel agencies. That earning rate is roughly triple the market average for a rewards card. Plus, for a limited time, you can earn a total of 10 points per $1 spent on hotel, car rentals, and attractions (excluding air travel) booked on the Citi Travel℠ portal through June 30, 2024.
Solid ongoing rewards. Citi Premier also provides triple the market average in rewards on restaurants and supermarket purchases, giving 3 points per $1 spent.
Standard base rewards rate. You’ll get 1 point per $1 spent on purchases that aren’t in bonus categories. That’s normal for a card with extra rewards on certain purchases.
Transferrable points.Citi Premier cardholders can transfer rewards points to some notable frequent flyer programs, including JetBlue’s TrueBlue and Virgin Atlantic Flying Club.
$95 annual fee. At $95, the Citi Premier Card’s annual fee is roughly 4 times higher than what the average credit card charges.
Not built for carrying a balance. Citi Premier doesn’t offer 0% intro rates, so its high regular APR means you’re probably going to overpay on interest if you carry a balance from month to month.
Citi Premier typically makes the cut for WalletHub’s editors’ best travel credit cards due to its plentiful rewards points. On that note, you can often learn the most about a card like Citi Premier by comparing it to other elite options. So, checking out our Citi Premier vs Chase Sapphire Preferred review might make it easier to decide whether or not to apply.
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Earn Rewards." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
Editor’s Rating
4.6
User Reviews
3.9
Market Comparison
4.0
fees: 2.9
rewards: 3.8
cost: 4.7
Other Features: 0.0
4.6WalletHub Rating
WalletHub Rating
4.6
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Earn Rewards." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
Editor’s Rating
5.0
User Reviews
3.9
Market Comparison
4.6
fees: 2.9
rewards: 4.8
cost: 5.0
Other Features: 5.0
4.5WalletHub Rating
WalletHub Rating
4.5
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Earn Rewards." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
Can't find what you are looking for? Submit your question about Citi Premier® Card to our community. Editorial and user-generated content is not provided, reviewed or endorsed by the issuer of this card. In addition, WalletHub independently collected information for some of the cards on this page.
The best Citi Premier Credit Card benefits are citi entertainment and damage & theft purchase protection. These perks are certainly good to have, though it's important to note that they're also relatively common credit card benefits.
Citi Premier Credit Card Benefits
Citi Entertainment
Damage & Theft Purchase Protection
Extended Warranty
Rewards of 1 - 3 points per $1 on purchases
While these benefits aren't bad, the Citi Premier Credit Card simply doesn't have as many benefits as a lot of the other credit cards on the market. To learn more about the Citi Premier, check out WalletHub's full review.
The Citi Premier credit limit is $2,000 or more. Everyone who gets approved for Citi Premier is guaranteed a credit limit of at least $2,000, and the most creditworthy applicants could get much higher limits. The higher an applicant's credit score and income are, the higher the starting credit limit is likely to be.
The Citi Premier credit limit that you receive upon approval isn't necessarily permanent. You can ask to get a credit limit increase by calling the Citibank customer service number...
You can earn the Citi Premier card 60k bonus by spending $4,000 within the first 3 months of opening an account. With this card, you can also earn a total of 10 points per $1 spent on hotel, car rentals, and attractions (excluding air travel) booked on the Citi Travel portal through June 30, 2024, 3 points per $1 spent at restaurants, supermarkets and gas stations, 3 points per $1 on air travel and hotels, and 1 point per $1 on all other purchases. Citi Premier bonus points value varies, depending on how you redeem your rewards.
Things to Know About the Citi Premier Card Current Bonus
Processing time: The bonus should post to your account within 8-10 weeks after you meet the spending requirement.
Bonus eligibility: You're eligible for the Citi Premier...
The Citi Premier® Card foreign transaction fee is 0%. This means you won't be charged extra anytime you use the Citi Premier outside of the United States. This applies whether it's a purchase at a physical location in a foreign country or an online transaction through an internationally-based merchant.
Having a credit card with no foreign transaction fees is a great idea if you often travel outside the U.S. or make online purchases through foreign merchants. Plus, with all the...
Citi Premier® Card is a Mastercard. This means you can use your Citi Premier Card at nearly 11 million merchants that accept Mastercard nationwide. Plus, Mastercard is accepted in over 210 countries and territories.
There are a few differences between Visa and Mastercard credit cards, such as the level of benefits they offer, but those differences are relatively small. The two card networks have a lot in common, including extensive worldwide acceptance. As a result, it's more worthwhile...
The Citi Premier transfer partners are 17 airline, hotel, and retail loyalty programs that cardholders can transfer their reward points to. These points can usually be transferred at a 1:1 ratio. There is no fee to transfer points, and it usually takes up to 5 days for the transfer to process. For some programs it may take longer.
The Citi Premier® Card annual fee is $95. The card's annual fee is higher than the average annual fee among new credit card offers right now. It's not the only fee you need to worry about with the Citi Premier® Card, either.
The credit score that you need for the Citi Premier® Card is 700, at a minimum. This means applicants need at least good credit for a decent shot at approval. If you'd like to know where you stand, you can check your credit score for free, right here on WalletHub.
Other Citi Premier Approval Requirements
The average American will likely find it difficult to meet the Citi Premier credit score requirement, as many people have lower credit scores. But an applicant's score...
The Citi Premier® Card extended warranty protection will lengthen the original manufacturer's warranty by up to 2 extra years for warranties of 7 years or less. The maximum coverage amount per item is $10,000.
Citi Premier Card extended warranty protection does not cover motorized vehicles, live animals, live plants, or used items, among other things. For more details on this perk's terms and conditions, refer to the guide to benefits that came with your Citi Premier Card or ask Citibank...
To get the Citi Premier Card sign-up bonus, new cardholders must spend $4,000 within the first 3 months of opening an account. The Citi Premier Card bonus is 60,000 points.
Keep in mind that you will not be eligible for this introductory bonus if you currently have the Citi Premier Card, regardless of whether you previously received the bonus. You also may not be eligible if you recently earned the bonus.
Share your insights and review for the Citi Premier® Card
5
41%
4
29%
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3.9
425 reviews
425 reviews
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Medinatony900 @Medinatony900
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5 Star Rating
Overall, the best credit cards that I have started off with a $4200 limit. After having it for 4 months, they increased it to $5700. Thank you, Citibank. Keep up the hard work.
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whuser16449284 @whuser16449284
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4 Star Rating
Verified Customer
I'm wanting to put together a Citi trifecta for maximum rewards on all my day to day spending. They have a weird website and payment app which caused me to pay my first months bill twice over in the amount of $430. My balance was in the negative numbers by that amount. I called in for a refund which was granted right away. This card is my dedicated grocery card to get 5%. I combo what's in my wallet to collect more rewards in my day to day spending.
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Hopefloatz2021 @Hopefloatz2021
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1 Star Rating
Fraudulent company and poor customer service. Despite earning over 200000 miles, my boyfriend could not use it, because the website kept telling him to verify his identity by calling customer service. Customer service is not 24 hours and difficult to catch if you work long hours and located in Hawaii.
My boyfriend called customer service several times, but was referred back to the website. He thought everything was taken cared of when he finally got a hold of a representative. However, he found out a few weeks after we returned from our trip that he was charged the full amount of the airfare (about $950) plus a fee to book the flight on the phone. The representative did not use his points as requested. He called to fix this mistake, but they said no and couldn’t do anything about it. Now customer service is telling him to call again and talk to another agent. Apparently, they recorded the conversation between the rep and my boyfriend. Towards the end of the recording, the rep asked if he could charge the fee and the airfare to his card after my boyfriend made it clear to use his points. I heard the conversation and it was clear that my boyfriend called to use his points. It was hard to understand the rep and he made it sound like it was only the booking fee that was going to be charged to his credit card. Why would he ask to charge his credit card the full amount towards the end of the transaction knowing that they already had an agreement to use my boyfriend’s points. Just like the other reviews here says, this card is a total scam. Stay away.
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Ryan Honolulu @elenaclariza
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1 Star Rating
Avoid this company at all cost. You will earn thousands of unused miles because they will do everything in their power to keep you from using them. For example, I couldn’t log in to their website because I needed to verify my account by calling customer service. Customer service is not 24 hours and hard to get a hold of. Hard to understand representatives would rather charge your credit card than use your miles. My credit card was charged even after I clearly told them I wanted to book a flight using my miles. They were extremely unhelpful after telling them about this mistake.
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sarahspencer2007 @sarahspencer2007
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1 Star Rating
Truly the worst customer service. I've talked to three agents because they can't keep track of what they are doing. I was so glad to talk to an agent without a strong accent but they have not been helpful in the least.
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Mike W @mdw1188
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1 Star Rating
Steer clear. Don't expect the fraudulent Virginia Surety Company ever to take any of your rightful Purchase Protection Claims seriously; they will all be denied, with bogus terms and conditions invoked. Pay your annual fee to a company that is actually willing to allow you to use the services you are paying for.
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Super Prash @superprashantst
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1 Star Rating
Apparently made a mistake by enrolling to Citi credit card . Wasted $95 . Very Poor customer service ,call transfer happens from one agent to another on and on for hours , no matter how trivial is your query, low credit limit despite having excellent credit score, available balance not getting updated immediately, even paying balances, are some factors which would make it difficult to earn bonus points on offer. There are no other rewards or offers associated to this card . Customer service agents poor English is difficult to understand. Merchant returns disappears between pending to posted transactions , adding to lots of confusion. Soon I am going to cancel this card .Will not recommend Citi credit card at all , unless you have no other options left on this earth , as far as credit card is concerned.
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marisolespinoza01 @marisolespinoza01
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1 Star Rating
Verified Customer
Don't waste your hard inquiry!!! I got denied and then spoke to the reconsideration line still declined. I have never been declined a credit card and I have a great credit score, great income, and no debt. The next day I applied for the Capital One Venture Miles Rewards card and got approved. That card is much better you get 75,000 miles and you get free to lobby and TSA check-in.
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Mel B @mebuytaert
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1 Star Rating
I just signed up for the Citi Premier credit card. I've gotten the card in the mail and activated it promptly as you would with any other credit card. However, for some reason, I am unable to add it to my apple wallet. When I call Citibank to troubleshoot the issue, they tell me that the card is not activated and that they need to send me a code, and ask for my phone number. I give them my phone number and they tell me that they can't use it. No idea why they can't use it. So then I give them my husband's number, and same thing, can't use it. Then I try my fathers number, can't use it. Then they want a fix line, so I go to my husband's work and call them again, give them the number, and, yes, you guessed it, they can't use it! They tell me it has to be a number associated with my account, which my cell phone is, but we've already established that they can't use it. Then she wants my work phone number, but yes we all know by now that that didn't work either. So now they're sending me a letter in the mail that contains some kind of secret information that I will need to give them when I call for the 3rd time, not to mention that it takes 10 days to get the letter and I've now had this stupid card for 2 weeks and I still can't use it! What kind of a joke is this? I've NEVER had to deal with anything this ridiculous. This is ridiculous!!!
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Marc J @marc_duane_jones
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5 Star Rating
Verified Customer
Provided a great credit limit and opportunity to gain points for use in future trips. Easy to use when overseas and very good reminders for payment due dates
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