Big sign-up bonus.Limited choice of well-known or domestic transfer partners.
Triple points on top spending categories and travel.Hotel discount may be of limited value.
Multiple international travel partners.Lack of travel protections.
No foreign transaction fees.No intro APR on purchases or balance transfers.
No limit on the points you can earn and points don’t expire.Points redeemed for airfare now worth just 1 cent (through the Citi ThankYou portal).

Hidden perks

$100 annual hotel savings benefit (off a single hotel stay of $500 or more, excluding taxes and fees) through

Transfer ThankYou Points to participating airline programs with no fee.

Access to Citi Entertainment for presale tickets and exclusive experiences.

Comparing Citi Premier with similar cards

Citi® Premier®

Apply now with Citilock-icon
Reward rate1x - 3x
Reward detailsEarn 3 Points per $1 spent at Restaurants and Supermarkets. Earn 3 Points per $1 spent at Gas Stations, Air Travel and Hotels. Earn 1 Point per $1 spent on all other purchases.
Intro Bonus:60,000 Points Annual fee$95
Regular APR20.49% - 28.49%
Read full review

Wells Fargo Autograph®

Apply now with Wells Fargolock-icon
Reward rate1x - 3x
Reward detailsEarn unlimited 3X points on restaurants, travel, gas stations, transit, popular streaming services and phone plans. Plus earn 1X points on all other purchases
Intro Bonus:30,000 Points Annual fee$0
Regular APR20.24% - 29.99%
Read full review

American Express® Gold

Apply now with American Expresslock-icon
Reward rate1x - 4x
Reward details4X Points at Restaurants in US. 4X Points at U.S. supermarkets on up to $25,000 in purchases per year. 3X Points on flights booked directly with airlines or on 1X Points on other eligible purchases.
Intro Bonus:60,000 Points Annual fee$250
Regular APR21.24% - 29.24%

Beyond the basics

Balance transfer intro APR 21.24% – 29.24% (variable) for transfers completed within two months from date of account opening
Cash advance APR 29.99% (variable)
Foreign transaction fees None
Loan APR N/A
Late payment fee up to $41
Penalty APR Up to 29.99% (variable)
Credit score required 700+

Other offers

  • $0 Fraud liability guaranteeYou are never held responsible for unauthorized purchases on your account. Potential fraud is automatically blocked.
  • Redeem for travelYou can redeem your ThankYou Points for travel bookings, including flights, hotels, car rentals, and more. Your points may have different values depending on how you redeem them.
  • Purchase protectionThe card may offer purchase protection, which can help cover the cost of eligible items in case of damage or theft for a certain period after purchase.
  • Extended warrantySome purchases made with the Citi Premier Card may receive an extended warranty benefit, giving you extra peace of mind.
  • Trip cancellation and interruption protectionThis benefit may reimburse you for non-refundable expenses in case your trip is canceled or interrupted for covered reasons.
  • Travel accident insuranceYou may be eligible for travel accident insurance, which provides coverage in the event of accidental death or dismemberment while traveling on a common carrier.
  • Auto rental insuranceWhen you rent a car and pay with your Citi Premier Card, you may receive coverage for damage due to collision or theft.
  • Price rewindThis feature allows you to get a refund of the price difference if you find a lower price on an eligible item within a specified time frame after purchase.
  • Lost luggage protectionIf your luggage is lost while traveling on a common carrier and you’ve paid for your trip with your card, you may receive reimbursement for your lost belongings.
  • Identity theft solutionsThe card may offer identity theft solutions to help you recover in case your identity is compromised.

What we like about this card

Robust rewards structure

The Citi Premier Credit Card impresses with its generous rewards program, offering accelerated points on key spending categories like travel, dining, and entertainment. This makes it an ideal companion for those who enjoy both everyday indulgences and frequent travel.

Lucrative sign-up bonus

The card kicks off with a substantial sign-up bonus, providing cardholders with an immediate boost in points. This enticing feature sweetens the deal for new users, making it particularly attractive from the onset.

Flexible redemption options

The flexibility in redeeming earned points is a standout feature. Whether you prefer to use your points for travel, cash back, or other rewards, the Citi Premier Credit Card caters to diverse preferences, allowing users to maximize the value of their rewards.

No foreign transaction fees

Travelers will appreciate the absence of foreign transaction fees. This feature not only enhances the card's appeal for globetrotters but also ensures that users can make purchases abroad without incurring additional costs.

Drawbacks and considerations

Annual fee

While the Citi Premier Credit Card offers substantial benefits, it comes with an annual fee. Potential cardholders should weigh the value of the rewards and features against this cost to ensure it aligns with their spending habits and financial priorities.

Redemption restrictions

Although the card provides flexible redemption options, there are some restrictions to be mindful of. Certain redemption categories may offer better value than others, and the redemption process itself may require careful navigation to optimize point value.

Variable APR

The card's Annual Percentage Rate (APR) is variable and can be relatively high for those carrying a balance. Responsible credit management is crucial to avoid accruing interest charges, as these can offset the value of the rewards earned.

Limited travel partners

While the Citi Premier Credit Card has a variety of redemption options, its list of airline transfer partners is not as extensive as some other premium travel cards. Potential cardholders should assess whether the available partners align with their travel preferences.

Lack of luxury benefits

The Citi Premier card doesn’t provide benefits like travel insurance, extended warranty, purchase protection, access to airport lounges, or others that many travel cards on the market provide. Weigh the importance of these benefits when choosing a card.

How to decide if this card is right for you

Choosing a credit card is a personal decision that hinges on individual preferences and financial habits. Here are key factors to consider when determining if the Citi Premier Credit Card is the right fit for you:

Spending habits

Evaluate your typical spending patterns. If you frequently spend on travel, dining, and entertainment, the accelerated points in these categories make the Citi Premier Card an attractive option.

Travel plans

Assess your travel plans and preferences. If you're a frequent traveler or have upcoming trips, the card's travel perks, including the lack of foreign transaction fees and ability to redeem rewards for travel may significantly enhance your experience.

Rewards optimization

Consider how you plan to redeem your rewards. If you appreciate flexibility in choosing between travel, cash back, or other options, the Citi Premier's versatile redemption options may align well with your preferences.

Financial discipline

Since the card comes with an annual fee and a variable APR, it's essential to evaluate your financial discipline. If you can manage your credit responsibly and pay off your balance monthly, you can maximize the card's benefits without incurring high-interest charges.

Interest in Citi transfer partners

If you have a specific preference for or loyalty to the Citi transfer partners, check if they align with your travel needs. The card's transfer options may influence your decision, especially if you have preferred airlines or hotel chains.

Tolerance for drawbacks

Consider the drawbacks mentioned, such as the annual fee and lack of luxury benefits. If these limitations align with your financial expectations and you are comfortable with the trade-offs, the Citi Premier Credit Card may still be a suitable choice.

Credit score

Ensure that your credit score meets the card's eligibility requirements. The Citi Premier Card is typically designed for individuals with good to excellent credit, so a strong credit history is essential for approval.

Found a perfect pair

Pair your Citi Premier with Citi Custom Cash

Citi Custom Cash

Apply now with Citi

Pair this card with the Citi Custom Cash credit card to maximize your everyday purchases. While some of the categories have the potential to overlap, the Citi Custom Cash card earns 5% cash back on up to $500 spent in your highest spend category per billing cycle. You could use the Citi Custom Cash card for the two categories you’re most likely to max out, and then move your spending in those categories over to the Citi Premier card for 3x points back. Or, if you don’t want to keep track of that, use the Citi Custom Cash regularly in a 5% category that doesn’t overlap.

Apply now with Citi


Credello’s credit card reviews aim to provide readers with clear and unbiased information to help them choose the right credit card that aligns with their financial goals and needs. Our methodology emphasizes transparency, disclosure of any potential biases, and regular updates to ensure the information remains relevant and accurate for readers.The methodology used to review the best Wells Fargo Credit Cards relied on a number of factors, with the most prominent of those being:

  • Assess the interest rates charged on outstanding balances.
  • Evaluate the cost of owning the credit card, including any annual fees.
  • Examine rewards programs, cashback offers, travel perks, and other cardholder benefits.
  • Analyze introductory APR, balance transfer offers, and sign-up bonuses.
  • Consider the card’s credit limit and its suitability for different financial needs.
  • Review late fees, foreign transaction fees, and other charges.
  • Determine the credit score needed to qualify for the card.
  • Research the quality and accessibility of customer support.
  • Assess security measures such as fraud protection and chip technology.

The product information provided here is based on research conducted up to a specific date and may have changed. For the latest and most accurate information, we recommend you to visit the respective card’s website before proceeding.

Why Credello?
At Credello, transparency and objectivity are the cornerstones of our credit card reviews. We believe in empowering you to make informed financial decisions, free from any bias or influence from credit card issuers. We go beyond the surface, dissecting each card's features and rewards programs through the lens of your spending habits and financial goals. Whether you're a travel enthusiast, a cashback seeker, or a credit-building novice, we tailor our reviews to resonate with your unique needs.

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