Citi Premier® Card

The Citi Premier® Card is a core card of the Ultimate Citi ThankYou Points Wallet. It offers generous rewards on travel spending, dining and grocery stores. While the Premier offers great rewards, it lacks many of the travel insurance protections common among travel credit cards. The Citi Premier card carries an annual fee of $95.

The Citi Premier® Card offers a long list of 3x bonus categories, including hotels purchases, air travel, restaurants, supermarkets and gas stations. Plus, until 6/30/2024, you can earn 10 total points per dollar spent on hotels, car rentals, and attractions, excluding air travel, booked through the Citi Travel^SM portal. The card earns 1 point per dollar spent on other purchases. Points are earned as ThankYou Points, which can be redeemed for cash back or transferred to travel partners for additional value.

The Citi Premier® Card is notably light on the travel benefits that you might expect from a premium travel credit card; it does not include essentials like trip delay protection, auto rental collision damage waiver, or extended warranty benefits. The card does include $100 off a single hotel stay of $500 or more when you book through thankyou.com.

Citi Premier® Card at a glance

Here’s what you need to know about the Citi Premier® Card.

Citi Premier® Card welcome bonus

Citi Premier® Card rewards

The Citi Premier® Card earns its rewards as ThankYou Points. The card offers increased earnings in categories targeted to frequent travelers, plus bonus rewards at supermarkets. Here is what the Citi Premier® Card will earn you on your purchases.

Hotels and car rentals booked through Citi Travel: 10x total points on hotels and car rentals booked through Citi travel. Limited time offer ends 6/30/2024

Restaurants: 3x ThankYou Points at restaurants, including cafes, bars, lounges and fast food restaurants.

Supermarkets: 3x ThankYou Points at supermarkets.

Gas – 3x ThankYou Points on purchases at gas stations.

Air travel and hotels – 3x ThankYou Points on purchases at airlines, hotels, and travel agencies.

All other purchases: 1 ThankYou Points per dollar spent.

Citi ThankYou Points can be used for cash back statement credits at 1 cent per point. However, you can often get more value out of your ThankYou points by transferring them to travel partners like airlines and hotels. All the details on the best uses of Citi ThankYou points are in our Guide to ThankYou Points.

Citi ThankYou Points synergies

When you combine your Citi ThankYou® Rewards accounts, you can take advantage of the benefits of each of your cards across all of the ThankYou^® Points that you earn. Cards that earn ThankYou Points include the Citi^® Double Cash Card, Citi Rewards+® Card, Citi Custom Cash℠ Card, and Citi Premier® Card.

When you hold the no-annual-fee Citi Rewards+® Card, you earn a 10% rebate on the first 100,000 ThankYou Points you redeem each year. If you redeem 50,000 ThankYou Points for an award, you’ll get 5,000 bonus ThankYou points in your account automatically.

The Citi Rewards+® Card does not allow redemptions for cash back on its own. But if you hold another no-annual-fee ThankYou Points card like the Citi^® Double Cash Card or Citi Custom Cash℠ Card, you can redeem your ThankYou Points for cash back. Cash back redemptions are also available when you hold the $95 annual fee Citi Premier® Card.

Holding the $95 annual fee Citi Premier® Card enables you to transfer your points to any of Citi’s ThankYou Points transfer partners, which include several hotels chains and global airline programs. Point transfers to travel partners are one of the best ways to get increased value from your points.

For more on point transfers, see our Guide to ThankYou Points.

Citi Premier® Card benefits

The Citi Premier® Card is notably light on benefits. The card offers no travel protections, extended warranty, cell phone protection or other benefits common on premium credit cards. Here’s what the Citi Premier® Card offers.

$100 Annual Hotel Savings Benefit – Enjoy $100 off a single hotel stay of $500 or more, excluding taxes and fees, through thankyou.com, once per calendar year.

How to apply:

A few notes on applying for Citi credit cards

• Citi has limits on the number of applications you can submit. You can only apply for one personal card every eight days and no more than two cards every rolling 65 days. Business cards are subject to the same eight-day limitation, but you can apply for no more than one business card every 95 days.
• You can get a new customer welcome bonus on Citi cards multiple times, but Citi has rules on how often you can earn a welcome bonus.
  • ThankYou Point welcome offers are typically not available if you’ve received a new account bonus on the same card in the past 48 months.
  • Welcome bonuses on AAdvantage cards are only available if you have not received a welcome bonus for the same card within the past 48 months.
• There is no limit to the number of Citi cards you can hold.
• You can check your application status on the Citi website or by calling 1-866-606-2787.

Should you keep the card after the first year?

The Citi Premier card has a $95 annual fee. You should only keep a card after the first year if you receive ongoing value in excess of the card’s annual fee. Here are the benefits that might make this card worth keeping after the first year.

• Increased earnings on hotel, air travel, gas station, restaurant and supermarket spending.
• Point transfer opportunities to airlines and hotel partners.

Frequently asked questions