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Pros:
- Earn 3 points for every dollar you spend on air travel, hotels, gas stations, supermarkets and restaurants (including takeout).
- Points can be redeemed for travel through the Citi ThankYou Rewards travel portal at a rate of 1 cent per point with no blackout dates or restrictions on award availability.
- Points can also be transferred to any of Citi’s 14 airline partners and 2 hotel partners at a 1-to-1 ratio.
- Access to World Elite Mastercard benefits.
Cons:
- Other credit cards may earn more rewards on everyday purchases.
- Limited travel insurance and shopping protections.
- New card holders can’t earn the welcome bonus if you’ve opened or closed other select Citi credit cards within the past 24 months.
- $95 annual fee.
Current welcome bonus: Earn 60,000 bonus ThankYou? Points after you spend $4,000 in purchases within the first three 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.
Best for: People looking for a credit card that earns flexible travel rewards, and those who are knowledgeable about the process of booking award travel using the loyalty programs of international airlines.
Digging into the Citi Premier card
The Citi Premier? Card * The information for the Citi Premier? Card has been collected independently by CNN Underscored. The card details on this page have not been reviewed or provided by the card issuer. comes with all of the perks of Citi’s ThankYou Rewards program, but doesn’t cost a fortune from year to year. While you won’t get all the travel benefits of a high-end ultra-premium travel credit card, you’ll earn bonus points in many popular categories, and can redeem them for cash or a number of useful travel options.
One of the best aspects of the Citi Premier? Card * The information for the Citi Premier? Card has been collected independently by CNN Underscored. The card details on this page have not been reviewed or provided by the card issuer. is its many different international loyalty program partnerships. Those who are well versed in redeeming points and miles will enjoy the plethora of options, although beginners who are just starting out with travel rewards might find the choices overwhelming. Fortunately, you can always redeem your ThankYou points using the Citi travel portal at a rate of 1 cent apiece and not have to worry about the complexities of partner programs.
This is also an excellent credit card to pair with the Citi Double Cash? Card * The information for the Citi Double Cash? Card has been collected independently by CNN Underscored. The card details on this page have not been reviewed or provided by the card issuer. . When you have both the Citi Premier? Card * The information for the Citi Premier? Card has been collected independently by CNN Underscored. The card details on this page have not been reviewed or provided by the card issuer. and the Citi Double Cash? Card * The information for the Citi Double Cash? Card has been collected independently by CNN Underscored. The card details on this page have not been reviewed or provided by the card issuer. ‘s, you can convert the cash back earned on your Citi Double Cash? Card * The information for the Citi Double Cash? Card has been collected independently by CNN Underscored. The card details on this page have not been reviewed or provided by the card issuer. into points that can be utilized by the Citi Premier? Card * The information for the Citi Premier? Card has been collected independently by CNN Underscored. The card details on this page have not been reviewed or provided by the card issuer. . Since the Citi Double Cash? Card * The information for the Citi Double Cash? Card has been collected independently by CNN Underscored. The card details on this page have not been reviewed or provided by the card issuer. earns 2% cash back on every purchase you make — 1% when you buy, and 1% when you pay it off — you can strategically use the Citi Premier? Card * The information for the Citi Premier? Card has been collected independently by CNN Underscored. The card details on this page have not been reviewed or provided by the card issuer. when you make purchases in its bonus categories, and then use the Citi Double Cash? Card * The information for the Citi Double Cash? Card has been collected independently by CNN Underscored. The card details on this page have not been reviewed or provided by the card issuer. on everything else.
And there’s never been a better time to get the Citi Premier? Card * The information for the Citi Premier? Card has been collected independently by CNN Underscored. The card details on this page have not been reviewed or provided by the card issuer. . That’s because right now, new card holders can earn 60,000 bonus ThankYou? Points after you spend $4,000 in purchases within the first three months of account opening. You can easily get $600 in travel value with that bonus — and potentially even more. And with the current limited-time offer, you’ll be able to earn even more points as new cardmembers will earn a total of 10 ThankYou points per dollar spent on hotel, car rentals and attractions (excluding air travel) booked through the Citi Travel portal through June 30, 2024.
Advantages of the Citi Premier card
For a card with a low annual fee, the Citi Premier? Card * The information for the Citi Premier? Card has been collected independently by CNN Underscored. The card details on this page have not been reviewed or provided by the card issuer. has some great bonus categories. You’ll earn 3 points for every dollar you spend on air travel, hotels, gas stations, supermarkets and restaurants (including takeout), and then 1 point per dollar on all other purchases. The points don’t expire as long as you keep the card open and there’s no limit to the number of points you can earn.
Unfortunately, you won’t earn bonus points on all travel-related spending — just air travel and hotels. But, the list of bonus categories includes so many everyday staples that it should be easy to quickly start racking up points, making this card a top-earning contender.
When it comes to redeeming your rewards, one of the easiest methods is to “cash in” your ThankYou points for cash back or a statement credit. However, you’ll only get 0.5 cents per point when you redeem this way, which isn’t a good value. Another option is to redeem your points for gift cards — when you go this route, your points are worth a much better 1 cent apiece.
But if you’re planning to hit the road, you can also redeem your points for travel in two ways. The first is by using the Citi ThankYou travel portal, which is identical to booking through an online travel agency like Expedia or Orbitz, except that you can pay for your flight or hotel using points instead of cash. You’ll get the same 1 cent per point when you redeem this way, and you can even mix cash and points together if you don’t want to pay entirely with one or the other.
And if you’re an expert when it comes to travel rewards, transferring your points to one of Citi’s 16 different airline and hotel partners will most likely bring the best value, especially if you’re looking to travel internationally in first or business class. It takes some time and effort to learn how these partner loyalty programs work, but it’s the best way to get maximum value for your points, as well as fly in style.
While most of Citi’s partners are international airlines, JetBlue’s TrueBlue loyalty program is one domestic transfer option, which means Citi Premier? Card * The information for the Citi Premier? Card has been collected independently by CNN Underscored. The card details on this page have not been reviewed or provided by the card issuer. holders have at least one great straightforward choice when it comes to transferring ThankYou points to book flights on US carriers.
Other benefits of the Citi Premier? Card * The information for the Citi Premier? Card has been collected independently by CNN Underscored. The card details on this page have not been reviewed or provided by the card issuer. include an annual $100 hotel credit on reservations of $500 or more when you book through ThankYou.com, extended warranty protection, damage and theft protection and no foreign transaction fees.
Additionally, since the Citi Premier? Card * The information for the Citi Premier? Card has been collected independently by CNN Underscored. The card details on this page have not been reviewed or provided by the card issuer. is a World Elite Mastercard, you’ll be entitled to World Elite benefits as well, which include a $5 discount on three Lyft rides taken in a month, three free months of DoorDash’s DashPass food delivery membership and access to Mastercard Luxury Hotels and Resorts.
Disadvantages of the Citi Premier card
While the Citi Premier? Card * The information for the Citi Premier? Card has been collected independently by CNN Underscored. The card details on this page have not been reviewed or provided by the card issuer. is a solid performer on the travel rewards side, it lacks in the travel and purchase protection departments. In the last two years, Citi has dropped most of the protection benefits you’d expect to see on a travel rewards credit card, especially on one that carries an annual fee.
In fact, there’s no travel insurance coverage of any kind offered on the Citi Premier? Card * The information for the Citi Premier? Card has been collected independently by CNN Underscored. The card details on this page have not been reviewed or provided by the card issuer. . This means you won’t have access to car rental insurance, trip cancellation and interruption protection, trip delay protection, baggage delay protection and more. Many comparable cards, such as the Chase Sapphire Preferred? Card, offer all of these coverages, making the Citi Premier? Card * The information for the Citi Premier? Card has been collected independently by CNN Underscored. The card details on this page have not been reviewed or provided by the card issuer. — and many other Citi cards — undesirable when it comes to booking vacations with them.
On the shopping side, you’ll also no longer have access to Citi’s Price Rewind feature or return protection with the Citi Premier? Card * The information for the Citi Premier? Card has been collected independently by CNN Underscored. The card details on this page have not been reviewed or provided by the card issuer. . To be fair, these once-common perks have been wiped away from many credit cards in recent years — not just Citi’s — but it’s still an unfortunate loss. There are also no luxury travel benefits on the Citi Premier? Card * The information for the Citi Premier? Card has been collected independently by CNN Underscored. The card details on this page have not been reviewed or provided by the card issuer. , such as lounge access or travel statement credits, but that isn’t something we’d expect to see on a mid-tier card that only costs $95 per year.
Lastly, Citi has some interesting terms when it comes to the welcome bonus on the Citi Premier? Card * The information for the Citi Premier? Card has been collected independently by CNN Underscored. The card details on this page have not been reviewed or provided by the card issuer. . The issuer determines your eligibility for the bonus based on whether or not you’ve opened or closed certain Citi cards in the past. Specifically, in the past 24 months, if you’ve received a bonus for the Citi Rewards+? Card * The information for the Citi Rewards+? Card has been collected independently by CNN Underscored. The card details on this page have not been reviewed or provided by the card issuer. , Citi ThankYou? Preferred, Citi Premier? Card * The information for the Citi Premier? Card has been collected independently by CNN Underscored. The card details on this page have not been reviewed or provided by the card issuer. or Citi Prestige?, or if you have closed any of these accounts in the past 24 months, you won’t be eligible for the 60,000-point bonus.
Other credit cards similar to the Citi Premier card
There are four major types of flexible credit card travel rewards — Citi ThankYou Rewards, Chase Ultimate Rewards?, American Express Membership Rewards? and Capital One miles. While they’re all great in their own ways, the big difference is in their various airline and hotel partnerships — and based on your personal travel habits, that might easily draw you into one program over another. But if you’re “program agnostic,” here are some other credit cards that are similar to the Citi Premier? Card * The information for the Citi Premier? Card has been collected independently by CNN Underscored. The card details on this page have not been reviewed or provided by the card issuer. .
The Chase Sapphire Preferred? Card is Chase’s mid-tier credit card, with the exact same $95 annual fee, but you’ll earn Chase Ultimate Rewards points that can transfer to 14 airline and hotel partners, some of which are the same as Citi’s and some of which are different. Where this card shines over the Citi Premier? Card * The information for the Citi Premier? Card has been collected independently by CNN Underscored. The card details on this page have not been reviewed or provided by the card issuer. is that there are three hotel partners included as well, and you can redeem your Sapphire Preferred points for any flight via the Chase travel portal and get 1.25 cents per point in value.
You’ll also get many shopping and travel protection benefits with the Chase Sapphire Preferred? Card. For example, if you have to cancel a trip because you get sick or injured, the Chase Sapphire Preferred? Card will reimburse you for your prepaid and nonrefundable travel purchases, while the Citi Premier? Card * The information for the Citi Premier? Card has been collected independently by CNN Underscored. The card details on this page have not been reviewed or provided by the card issuer. could leave you with many sunk costs.
That being said, the Citi Premier? Card * The information for the Citi Premier? Card has been collected independently by CNN Underscored. The card details on this page have not been reviewed or provided by the card issuer. has many more bonus categories, and you’ll even earn 3 points per dollar spent on travel — whereas the Chase Sapphire Preferred? Card only earns 2 points in this category (unless purchased through Ultimate Rewards and you’ll earn 5 points per dollar). So you’ll need to consider whether earning more points or having better travel and purchase protections is a higher priority for you.
On the other hand, if you’re looking for an American Express card, the American Express? Gold Card is a comparable mid-tier option. The card earns Amex Membership Rewards? points which can be transferred to a roster of 20 airline and hotel partners, or redeemed for flights and hotels through Amex Travel.
The American Express? Gold Card (Terms apply. See rates and fees) also has the highest bonus categories of all three of these mid-tier card options. The card earns 4 Membership Rewards points per dollar on dining worldwide at Restaurants, plus takeout and delivery in the U.S. and at U.S. supermarkets (up to $25,000 in purchases per calendar year, then 1x). It also earns the same 3 points per dollar on flights as the Citi Premier? Card * The information for the Citi Premier? Card has been collected independently by CNN Underscored. The card details on this page have not been reviewed or provided by the card issuer. (though flights must be booked directly with the airline or on amextravel.com in order to get bonus points on the Amex Gold) and 1 point per dollar on everything else.
You’ll also find many travel benefits and monthly credits on the?American Express? Gold Card, as well as travel insurance. The big difference, however, is that the Amex Gold comes with a $325 annual fee (see rates and fees), which is significantly higher than the $95 annual fee. So you’ll have to consider if the additional points and perks are worth the cost.
Should you get the Citi Premier credit card?
If you’re looking for a credit card that comes with travel benefits or annual credits, the Citi Premier? Card * The information for the Citi Premier? Card has been collected independently by CNN Underscored. The card details on this page have not been reviewed or provided by the card issuer. is probably not the best card for you. Instead, you’d be better off with the Chase Sapphire Preferred? Card or the American Express? Gold Card. Alternatively, if you’re looking for a higher-end card with VIP perks, you’ll want to consider options like the Chase Sapphire Reserve? or The Platinum Card? from American Express.
But if your prime focus is getting a mid-tier travel credit card and diversifying your points, then the Citi Premier? Card * The information for the Citi Premier? Card has been collected independently by CNN Underscored. The card details on this page have not been reviewed or provided by the card issuer. is a solid choice. It earns lots of valuable ThankYou Rewards points at a low annual fee, and Citi’s transfer partners open up many opportunities to book travel on many international airlines. So if you decide the Citi Premier? Card * The information for the Citi Premier? Card has been collected independently by CNN Underscored. The card details on this page have not been reviewed or provided by the card issuer. is right for you, make sure you get it now and score 60,000 bonus points toward travel through June 30, 2024 (after you spend $4,000 in purchases within the first 3 months of account opening).
To view rates and fees for American Express? Gold, please visit this page.
All information about Citi Double Cash? Card, Citi Premier? Card and Citi Rewards+? Card has been collected independently by CNN Underscored.
