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The Citi Premier® Card is a versatile travel rewards credit card that combines strong earning rates with the ability to transfer points to airline and hotel partners. It offers 3x ThankYou® Points on air travel, hotels, restaurants, supermarkets, and gas stations. All other purchases earn 1x points.
The Citi Premier® Card is ideal for consumers who spend heavily on everyday categories like gas and groceries but also want strong travel perks. With multiple transfer partners, it provides flexibility for those who want to book flights and hotels at maximum value.
What Is The Citi Premier® Card?
The Citi Premier® is part of Citi’s ThankYou® Rewards program. Its main strength is 3x points in several essential categories: air travel, hotels, gas stations, supermarkets, and restaurants. This makes it broader than many competitors, rewarding both daily expenses and travel purchases.
Points can be redeemed for travel through the Citi ThankYou® portal, used as statement credits, or transferred to more than a dozen airline partners, including JetBlue, Singapore Airlines, and Turkish Airlines.
EARN POINTS ON TRAVEL AND EVERYDAY SPENDINGMain Benefits
- 🛫 3x on air travel and hotels
- ⛽ 3x on gas stations
- 🍽️ 3x on restaurants and supermarkets
- 💳 1x on all other purchases
- 🌍 Points transferable to airline and hotel partners
- 🎁 Welcome bonus for new cardholders (varies)
- 🛡️ Travel protections and purchase coverage
Who Can Apply
The Citi Premier® is available to U.S. residents with good to excellent credit. Citi reviews applicants’ credit history, income, and current accounts. It’s best for consumers who want to maximize both everyday purchases and travel redemptions.
Fees And Rates
- 💰 Moderate annual fee
- 💸 Variable APR depending on creditworthiness
- 🌎 No foreign transaction fees
- 💵 Balance transfer and cash advance fees
How Points Work
You earn ThankYou® Points at 3x rates in select categories and 1x elsewhere. Points can be:
- Redeemed for travel through Citi’s portal
- Transferred to international airline and hotel partners
- Used for gift cards or statement credits
Why It Stands Out
The Citi Premier® stands out for combining high earning categories with transferable points. Unlike flat-rate cashback cards, it allows travel enthusiasts to maximize redemptions with airline partners, often getting much higher value per point.
EARN POINTS ON TRAVEL AND EVERYDAY SPENDINGFAQ – Frequently Asked Questions
1. What is the annual fee?
It has a moderate annual fee.
2. What categories earn 3x points?
Travel, gas, supermarkets, and restaurants.
3. What do other purchases earn?
1x per dollar.
4. Can I transfer points to airlines?
Yes, to multiple international airline partners.
5. Do points expire?
No, as long as your account is open.
6. Does it charge foreign transaction fees?
No, it does not.
7. Does it have a welcome bonus?
Yes, depending on the current promotion.
8. How much are points worth in the portal?
Typically 1 cent each, but transfers can provide more value.
9. What credit score is recommended?
Good to excellent credit.
10. Does it include travel protections?
Yes, including trip and purchase coverage.
Conclusion
The Citi Premier® Card is one of the most well-rounded travel rewards cards. Its 3x categories on both travel and everyday expenses make it useful for almost any lifestyle.
The ability to transfer points to airline partners sets it apart, offering redemption value beyond simple cashback. Travelers who maximize redemptions through partners can see outsized returns on their spending.
Overall, the Citi Premier® is a great choice for consumers who want flexible points, global travel options, and strong earning potential without paying the premium-level annual fees of luxury cards.