Citi Premier - Find Me a Card

Citi Premier

A good card for spending on food and travel (3x points on restaurants, groceries, gas, airlines, and hotels), with a 60K points signup bonus, but also a $95 annual fee.

Your total savings: $3,123 over the next 5 years

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Credit Score Required:
Above Average (740-799)

Rewards & Perks

Reward Highlights

  • 60,000 bonus points after spending $4,000 in the first 3 months.
  • 3x points on restaurants, groceries, gas, airlines, and hotels. 1x on everything else.
  • $100 Annual Hotel Savings Benefit: Enjoy $100 off a single hotel stay of $500 or more, excluding taxes and fees, through, once per calendar year.

Other Rewards & Perks

  • Points transfer: Transfer ThankYou Points to participating airline loyalty programs including TrueBlue, Virgin Atlantic Flying Club and Singapore Airlines KrisFlyer, to get flights faster. There is no fee, and the minimum transfer is only 1,000 points.
  • Citi Entertainment: Get special access to purchase tickets to thousands of events, including presale tickets and exclusive experiences for the year's most anticipated concerts, sporting events, dining experiences and more.
  • Additional cards: Add an authorized user to your account at no additional cost and earn points faster.

Special Signup (Promo) Rewards & Perks

  • 60,000 bonus points after spending $4,000 in the first 3 months.
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Rates & Fees

Summary of Rates & Fees

  • $95 annual fee.
  • APR for purchases and balance transfers: 15.99-23.99%.
  • No foreign transaction fees.

Annual Fee: $95

Interest Rate (“Purchase APR”): 15.99-23.99%

BT Fee: 3% of BT

BT APR: 15.99-23.99%

Cash Advance Fee: 5%

Cash Advance APR: 25.24%

Penalty APR: 29.99%

User Ratings & Reviews

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Other Info

Date Introduced: 2020-06-02

Date Last Updated: 2022-01-11

Notes & Fine Print

If you are charged interest, the charge will be no less than 50 cents.

Summary of Penalty Conditions

Up to 29.99%, based on your creditworthiness. This APR will vary with the market based on the Prime Rate. This APR may be applied to your account if you: (1) Make a late payment or (2) Make a payment that is returned. How Long Will the Penalty APR Apply? If your APRs are increased for either of these reasons, the Penalty APR may apply indefinitely.

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