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Citi Premier credit card full review

The Citi Premier credit card has everything a smart traveler could ask for. It gives you reward points with everyday purchases to turn into air tickets or cashback. Read more about it.

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by Julia Bermudez

Published on 02/18/2022

Citi Premier credit card: turn your points into cash on your pocket

The Citi Premier credit card is one of the most competitive in the market. Source: Citi Youtube.

The Citi Premier credit card is one of a kind. Experts in the credit card points area admire its strong reward program.

If you like to have the flexibility to choose how to redeem your points, this card is for you. You can even turn your points into cash on your account.

Keep reading this article if you got interested in this card.

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How do you get the Citi Premier card?

Citi Premier Credit card has everything you wish from a travel rewards credit card. We'll show you how to apply for it here in this content.

Credit Score670
Annual Fee$95
Regular APR15.99% – 23.99% variable
Welcome bonus60,000 points after $4,000 spent in the first three months
Rewards3x ThanYou Reward Points in air tickets, hotels, gas stations, supermarkets, and restaurants

How does Citi Premier credit card work?

If you’re looking for your first travel rewards credit card, you should consider the Citi Premier.

This car doesn’t offer a long variety of discounts or perks. However, the reward points program is spectacular for a travel credit card with a low annual fee. And it has a friendly name: The thankYou Rewards program.

The best advantage is the possibility to make points of everyday purchases. You’ll make 3 points for each dollar spent on the following purchases:

  • air tickets
  • hotel
  • gas station
  • supermarkets
  • restaurants
  • deliverys and take out

Each TY point can value up to 1,7CPP. So the welcome bonus alone can be worth more than $1,300. If you choose to redeem your ThanYou points as cashback they’ll value 1 CPP.

Citi ThankYou Rewards Program has various airline partners to transfer bonus points, which gives you more autonomy to choose what’s best for you.

Also, you’ll have access to the World Elite Mastercard benefits, which include damage and theft protection, and extended warranties.

Citi Premier card pros and cons

Your everyday purchases can turn into air tickets through the Citi ThankYou Reward Points. Source: Freepik.

Check some highlights of the pros and cons of the Citi Premier:

Pros

  • Excellent welcome bonus.
  • Competitive CCP rate.
  • Reward points in almost all of the everyday expenses.
  • An extensive list of partners to transfer your ThanYou points.

Cons

  • Low variety of perks, credit, and discounts.
  • Has a $95 annual fee.
  • You won’t be eligible for the bonus points if you have received them on any other Citi credit card in the last 24 months.

My credit score needs to be good?

Citi Bank is demanding for approving this card. You’ll need a credit score of at least 670.

Want to apply for Citi Premier card?

We think Citi Premier is an excellent choice for your first travel rewards card. Because of that, we prepared the following content for you, with rich information about the application process.

If you’d like to apply, read this next content.

Logo Citi

How do you get the Citi Premier card?

Citi Premier Credit card has everything you wish from a travel rewards credit card. We'll show you how to apply for it here in this content.

About the author  /  Julia Bermudez

Julia Bermudez is a writer here on this portal. Since childhood, writing has been a passion, and her curiosity for different subjects led to this profession. Julia has a degree in Cultural Production, and her subjects of most significant interest are health, finances, and self-development.

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