Editor’s be aware: This publish has been up to date with new info and presents. Citi is a TPG promoting associate.

Citi Premier® Card overview

The Citi Premier® Card is an under-the-radar gem with an outstanding vary of bonus classes. Whereas the cardboard isn’t as robust on the redemption facet as related choices from Chase or Amex, the power to earn 3 factors per greenback on air journey, accommodations, fuel stations, supermarkets and eating places (together with takeout) for simply $95 a 12 months remains to be a reasonably nice deal. Card score*: ⭐⭐⭐⭐

* Card score relies on the opinion of TPG’s editors and isn’t influenced by the cardboard issuer.

This card is without doubt one of the greatest earners on on a regular basis spending. It accrues 3 factors per greenback on air journey, accommodations, fuel stations, eating places and supermarkets. Not unhealthy for a card with a $95 annual price.

Not solely that, however the factors you earn with the Citi Premier are among the many most versatile rewards currencies and are value 1.8 cents every by TPG valuations. That’s as a result of Citi has improved the ThankYou Rewards program considerably over time to compete with American Categorical Membership Rewards and Chase Final Rewards.

Right here’s what else you need to learn about this card — and why you would possibly wish to apply now.

Associated: One of the best Citi bank cards

Citi Premier welcome provide

The Citi Premier is presently providing 60,000 bonus factors after you spend $4,000 on purchases inside the first three months of account opening. Citi makes use of a moderately fascinating rule to find out bonus eligibility, although.

You gained’t be capable of earn the bonus on the Citi Premier for those who’ve opened or closed the Citi Rewards+® Card, Citi ThankYou® Most popular*, Citi Premier or Citi Status® Card* within the final 24 months. Most issuers depend that point solely primarily based on if you opened a card or obtained a bonus, however with Citi, your clock additionally resets for those who shut a card, so it’s all within the timing.

*The Citi ThankYou Most popular and Citi Status are now not accessible for brand spanking new candidates. The data for the Citi Status has been collected independently by The Factors Man. The cardboard particulars on this web page haven’t been reviewed or offered by the cardboard issuer.

There’s a $95 annual price on the Citi Premier.

Associated: The final word information to bank card utility restrictions

Incomes factors with the Citi Premier

The Citi Premier’s incomes construction is one side the place the cardboard shines. Cardholders earn 3 factors per greenback on purchases within the following classes, with no caps or annual limits:

The cardboard additionally earns 1 level per greenback on all different purchases.

These incomes charges are among the many most spectacular of any journey rewards card, particularly contemplating the Citi Premier’s reasonably priced annual price.

Nonetheless, to coincide with the launch of Citi Journey with Reserving.com, Premier cardholders can earn 10 factors per greenback on bookings for accommodations, rental automobiles and eligible points of interest when reserving via the portal via June 30, 2024.

Associated: The 8 greatest bank cards with annual charges underneath $100

Citi Premier advantages

The Citi Premier can also be a best choice for vacationers, because of its participation within the ThankYou Rewards program, which presently has 14 airline switch companions and two resort companions.

Whilst you’ll discover that most of the frequent-flyer applications are these of worldwide airways, there are nonetheless some high-value (and simply redeemable) awards to be booked via them.

For example, you may leverage Air France-KLM Flying Blue miles for respectable business-class award availability on these airways and their SkyTeam companions, get some phenomenal offers on Star Alliance awards utilizing Avianca LifeMiles and offset paid fares with JetBlue TrueBlue.

You too can redeem your ThankYou Factors for journey instantly via the Citi portal at a fee of 1 cent every, however that’s effectively under TPG’s valuation of ThankYou factors at 1.8 cents every, a quantity derived partly from Citi’s in depth listing of switch companions.

Associated: The final word information to Citi ThankYou Rewards

CITI PREMIER BENEFITS

A lot of the Citi Premier’s worth proposition comes from its capability to earn bonus factors in a slew of classes with out charging a hefty annual price. As such, you shouldn’t count on an amazing variety of perks, however there are a number of advantages of this card that may enable you recoup your annual price:

• $100 annual resort credit score: You’ll take pleasure in a $100 credit score as soon as per calendar 12 months for single-stay resort bookings of $500 or extra (excluding taxes and costs) made via the Citi journey portal.
• Prolonged guarantee safety: Provides 24 months to a producer’s guarantee.
• Harm and theft safety: Repairs or replaces an merchandise broken or stolen inside 90 days of buy (as much as $10,000 per incident and $50,000 per 12 months).
• World Elite Mastercard advantages: As a World Elite Mastercard, the Citi Premier confers a number of travel-related perks that buyers may not learn about. These embody a $5 month-to-month Lyft credit score after taking three rides in a calendar month and entry to the Mastercard luxurious accommodations and resorts portfolio for on-property perks like complimentary breakfast and room upgrades upon availability. Via the World Elite Mastercard program, you’ll additionally take pleasure in perks like cellphone safety and World Emergency Companies.
• Citi® Leisure: This program provides cardholders particular entry to buy tickets to 1000’s of occasions — from live shows and sporting occasions to distinctive eating experiences and film screenings — earlier than most of the people can purchase them.
• No overseas transaction charges: Like all good journey card, the Citi Premier means that you can journey freely with out incurring a price on worldwide spending.

Which playing cards compete with the Citi Premier?

As an reasonably priced journey rewards card, the Citi Premier has a number of direct rivals that is perhaps a greater match for you:

• For those who choose Chase playing cards: The Chase Sapphire Most popular Card, with an annual price of $95, competes instantly with the Citi Premier. Whereas Chase’s switch companions (together with United MileagePlus and Southwest Speedy Rewards) is perhaps extra helpful for a lot of vacationers, there are some overlaps, together with Singapore KrisFlyer, Emirates Skywards and Virgin Atlantic Flying Membership. For extra info, learn our full evaluation of the Sapphire Most popular.
• In order for you a flat earnings fee: Strive the Capital One Enterprise Rewards Credit score Card. It, too, fees a $95 annual price, however this card comes with a much less profitable (however a lot easier) incomes fee of two miles per greenback on all purchases. As an alternative of an annual resort credit score, you’ll stand up to a $100 World Entry or TSA PreCheck utility credit score as soon as each 4 years with the Enterprise. You’ll even get two annual lounge visits per 12 months to Capital One’s nascent community of airport lounges — or use these passes at over 100 Plaza Premium lounge places. For extra info, learn our full evaluation of the Enterprise Rewards.
• In order for you a great deal of perks: One of many Citi Premier’s closest rivals over at American Categorical is the American Categorical® Gold Card, which earns 4 factors per greenback at eating places, 4 factors per greenback at U.S. supermarkets on the primary $25,000 in purchases per calendar 12 months (then 1 per greenback), 3 factors per greenback on flights booked instantly with airways or via Amex Journey and 1 level per greenback on different eligible purchases. The Amex Gold Card additionally comes with as much as $10 in month-to-month eating credit at choose eating places (as much as $120 in annual assertion credit) and as much as $10 in month-to-month U.S. Uber Money (as much as $120 yearly), offsetting the vast majority of the $250 annual price (see charges and costs). Enrollment is required for choose advantages. For extra info, learn our full evaluation of the Citi Premier.

For extra choices, try our full listing of journey rewards playing cards.

Learn extra: Chase Sapphire Most popular vs. Citi Premier: Which mid-tier journey card is best?

Backside line

Regardless of a bevy of rivals, the Citi Premier’s lengthy listing of bonus classes and stable sign-up bonus make it probably the most profitable points-earning playing cards in its worth vary. The stable of ThankYou Rewards switch companions makes this card compelling, particularly for vacationers who want the pliability to redeem factors with varied loyalty applications. It is value a glance for those who’re keen on Citi.

Official utility hyperlink: Citi Premier Card with 60,000 bonus ThankYou factors after $4,000 in spending within the first three months of account opening.

Extra reporting by Ryan Wilcox, Stella Shon, Eric Rosen and Christina Ly.

For charges and costs of the Amex Gold Card, click on right here.