The Citi Premier Card is designed to help you earn rewards effortlessly on everyday spending.
With generous points on dining, travel, and groceries, it’s an excellent choice for maximizing value in key spending categories.
This card makes every purchase more efficient, whether planning trips, enjoying meals, or stocking up at the supermarket.
Key Features of the Citi Premier Card
The Citi Premier Card offers a range of features that make it a standout choice for earning rewards across various spending categories.
Here are the key features that set it apart:
- Reward Rates: Earn 3x points on dining, groceries, air travel, and hotels, plus 1x point on all other purchases.
- Sign-Up Bonus: Attractive initial bonus points after meeting a minimum spending requirement.
- Annual Fee: A manageable fee outweighed by the card’s value in rewards and benefits.
- No Foreign Transaction Fees: Make international purchases without added costs.
- Flexible Points Redemption: Redeem points for travel, gift cards, cash back, or transfers to partner programs.
- Travel Protections: Access trip cancellation insurance and travel accident coverage.
- Shopping Perks: Enjoy extended warranties and purchase protection on eligible items.

Citi ThankYou® Rewards Program Overview
The Citi ThankYou® Rewards Program is a key feature of the Citi Premier Card, offering flexibility and value for cardholders. Here’s an overview of its main aspects:
- Earning Points: Earn 3x points on dining, travel, and groceries and 1x points on other purchases.
- Redemption Options: Redeem points for travel, gift cards, cash back, or merchandise through the ThankYou® Rewards portal.
- Travel Partners: Transfer points to participating airline and hotel loyalty programs for enhanced value.
- Special Offers: Use limited-time offers and promotions to boost point earnings or maximize redemptions.
- Point Value: Points are typically worth 1 cent each, though transfer partners and specific redemptions can offer more excellent value.
- No Expiration: Points remain active if the account stays open and in good standing.
Maximizing Rewards
To maximize rewards with the Citi Premier Card, focus on these key spending categories:
- Dining: Use the card at restaurants, takeout, delivery, cafes, and bars to earn 3x points.
- Travel: Book travel and use internationally to earn 3x points without foreign transaction fees.
- Groceries: Use the card at supermarkets to earn 3x points and boost rewards with loyalty programs.
- Everyday Purchases: Take advantage of the 1x points rate on non-bonus categories to ensure every dollar spent earns rewards.
Points Redemption
The card offers flexible points redemption options to maximize the value of your rewards. Here’s how you can use your points effectively:
- Travel Rewards: Redeem points for travel or transfer them to airline partners for more flexibility and value.
- Gift Cards: Use points to get gift cards for popular retailers, offering convenience and versatility.
- Cash Back: Convert points into statement credits to offset purchases or reduce your balance.
- Shopping Rewards: Redeem points directly at checkout with select retailers, making online purchases seamless.
Additional Benefits
In addition to earning rewards, the card offers several benefits that enhance its value. Here are the key additional perks:
- Travel Protections: Enjoy coverage for trip cancellations, delays, and travel accidents.
- Shopping Perks: Access extended warranties and purchase protection on eligible items.
- No Foreign Transaction Fees: Save on international purchases by avoiding extra charges.
- Exclusive Access: Get early access to presale tickets and exclusive events.
- Customer Support: Benefit from 24/7 customer service for assistance anytime.
Interest Rates and Fees
The Citi Premier Card comes with specific interest rates and fees that are important to consider. Here’s a breakdown:
- Annual Fee: $95, charged yearly.
- Purchase APR: Variable APR between 20.49% and 28.49%, depending on creditworthiness.
- Balance Transfer APR: Same as the purchase APR; no promotional rate currently available.
- Cash Advance APR: 29.99% variable APR, plus a cash advance fee.
- Cash Advance Fee: $10 or 5% of the amount, whichever is greater.
- Late Payment Fee: Up to $41 if payment is late.
- Foreign Transaction Fee: None, allowing international purchases without added costs.

Comparing the Citi Premier Card
The Citi Premier Card is strong in rewards, but comparing it to others helps clarify its value:
- Chase Sapphire Preferred: Offers 2x points on dining and travel (vs. Citi's 3x) but includes strong travel protections and flexible point transfers.
- Amex Gold Card: Offers 4x points on dining and groceries but has a higher annual fee, making Citi Premier more budget-friendly.
- Capital One Venture Rewards: Focuses on 2x miles on all purchases but lacks Citi’s category-specific bonuses.
- Bank of America Travel Rewards: No annual fee and 1.5x points on all purchases, but offers fewer rewards overall.
Is the Citi Premier Card Right for You?
The card is ideal for specific spending habits and lifestyles. Here’s who benefits most from this card:
- Frequent Travelers: Perfect for those booking flights, hotels, or international trips, thanks to 3x points and no foreign transaction fees.
- Food Enthusiasts: A great choice for dining out, takeout, and delivery, with 3x points on restaurant spending.
- Grocery Shoppers: Ideal for families or individuals who spend heavily on groceries, earning 3x points at supermarkets.
- Flexible Reward Seekers: Suits those who value diverse redemption options, like travel, gift cards, or cash back.
- Moderate Annual Fee Tolerance: Best for those who can offset the annual fee through rewards and benefits.
How to Apply for the Citi Premier Card
Applying for the Citi Premier Card is straightforward and can be completed in simple steps. Here’s how to get started:
- Check Eligibility: Ensure your credit score meets the minimum requirement, typically good to excellent credit (700+).
- Visit Citi’s Website: Review the official Citi Premier Card page to review details and access the application form.
- Complete the Application: Fill out the form with personal, financial, and contact information.
- Submit the Application: Review all details for accuracy before submitting. Approval can be instant or take a few days.
- Activate the Card: Once approved, activate your card online or through Citi’s customer service.
Hidden Costs and Considerations
While the Citi Premier Card offers significant benefits, knowing potential hidden costs and considerations is essential. Here’s what to keep in mind:
- Annual Fee: The card comes with a $95 annual fee, which may not suit low spenders.
- Interest Rates: Carrying a balance can result in high APR charges, reducing the card’s value.
- Foreign Transaction Fee Misclassification: Though rare, some purchases abroad may not qualify for bonus categories.
- Redemption Value Variations: Points may have lower value when redeemed for non-travel rewards, such as cash back.
- Category Restrictions: Not all spending at restaurants or supermarkets may qualify for 3x points; check the merchant category code.
Contact Details
If you have inquiries about the Citi Premier Card, you can reach Citi's customer service through the following contact details:
- Customer Service Phone Number: 1-800-950-5114
- Mailing Address: Citibank Customer Service P.O. Box 6500 Sioux Falls, SD 57117
To Conclude
The Citi Premier Card offers exceptional value for maximizing rewards for dining, travel, and groceries.
It’s a solid choice for frequent spenders with flexible redemption options and additional perks.
Apply today to earn rewards and make every purchase work harder for you.
Disclaimer
Terms and conditions for the Citi Premier Card, including rates and fees, are subject to change and may vary based on creditworthiness.
Before applying, review the official Citi website for the most accurate and up-to-date information.