Last updated: 6/15/2021

Citi Premier

Earns: Citi Thank You Points

GigaTake:

An excellent choice if you want to earn Citi ThankYou Points. It earns 3 points per dollar on all sorts of common categories. The $95 annual fee is par for the course for a high-earning card like this.

This card is best for:

  • Groceries
  • Hotels
  • Airlines

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Here’s how much you would earn with this card

(Based on spending from {{earliestTransactionDate | date}} through {{latestTransactionDate | date}})

You could earn Worth Plus Welcome Bonus Total
{{totalPointsYouCouldEarn | number}} Citi Thank You Points
per year
${{totalPointsYouCouldEarnValue | number}} {{welcomeBonus | number}} points
worth ${{welcomeBonusValue | number}}
${{totalValueToUser | number}}

How’d we figure that out?

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${{annualFeeAmount | number}}Annual Fee

${{basePointsAmount | number}} All Other ({{card.card.earning_rate}}%x) All Spending ({{card.card.earning_rate}}%x)

${{merchantBonusAmount | number}}{{ merchantsBonusLabels | commaSeparate }} ({{merchantsBonusAmounts[0].multiplier}}%x)

${{categoryBonusAmount.bonus | number}}{{categoryBonusAmount.category }} ({{categoryBonusAmount.multiplier}}%x)

${{categoryDiscount.discount | number}}{{categoryDiscount.category}} Credit

${{merchantCreditAmount | number}}Merchant Discounts

${{welcomeBonusAmount | number}}Welcome Bonus


Annual Fee${{annualFeeAmount | number}}

All Other ({{card.card.earning_rate}}%x) All Spending ({{card.card.earning_rate}}%x) ${{basePointsAmount | number}}

Merchant Bonus ({{merchantsBonusAmounts[0].multiplier}}%x)${{merchantBonusAmount | number}}

{{categoryBonusAmount.category }} ({{categoryBonusAmount.multiplier}}%x)${{categoryBonusAmount.bonus | number}}

Welcome Bonus${{welcomeBonusAmount | number}}

Pros

  • Lots of big bonus categories, all earning 3 points per dollar: dining, groceries, hotels, airlines and gas.

Cons

  • $95 annual fee.
  • Citi has fewer transfer partners than many other programs.

See how the Citi Premier compares to other credit cards

Citi Premier Other Cards


Hover the dots to view other Credit Cards

Reward Rate = 3x

Value = 1.4 cents per point
Effective Value = 4.2 %

0%
7%

Reward Rate = 3x

Value = 1.4 cents per point
Effective Value = 4.2 %

0%
7%

Reward Rate = 3x

Value = 1.4 cents per point
Effective Value = 4.2 %

0%
6%

Reward Rate = 1x

Value = 1.4 cents per point
Effective Value = 1.4 %

0%
3%

Welcome Bonus = 60,000

Value = 1.4 cents per point
Effective Value = $840

$0
$1800

Annual Fee = $95

$0
$995
Welcome Bonus
60,000

Very Good

Bonus Rating

Points

After you spend $4,000 in 3 months

GigaInfo about Welcome Bonuses Welcome Bonuses 101 Article
Spending Rewards
3x Groceries

Excellent

excellent

Excellent

In the top 15% of cards.

3x Dining

Excellent

excellent

Excellent

In the top 15% of cards.

3x Gas

Excellent

excellent

Excellent

In the top 15% of cards.

3x Hotels

Excellent

excellent

Excellent

In the top 15% of cards.

3x Airlines

Excellent

excellent

Excellent

In the top 15% of cards.

1x All Other

OK

OK

Is this card right for me?

That depends on your individual spending patterns. We have a tool that figures it out for you. Learn what you could earn.

Program Name
Citi Thank You Points
Gigapoints Value
1.4¢ per point
0.4¢ PER POINT
2¢+ PER POINT
Annual Fee
  • $95
Use this card for…

You can earn more rewards by using different cards for different purchases. We built a tool that tells you which card to use, when. Just plug in your favorite brand, store, or category to find out which card pays the most.

Use the Best Card For tool Go

The Fine Print

PURCHASES APR 15.99% – 23.99%
BALANCE TRANSFER APR 15.99% – 23.99%
BALANCE TRANSFER FEE Either $5 or 3% of the amount of each transfer, whichever is greater.
CASH ADVANCE APR 25.24%
CASH ADVANCE FEE Either $10 or 5% of the amount of each transaction, whichever is greater.
FOREIGN TRANSACTION FEE 0%