Travel on Points

Review: Citi Premier

The Citi Premier is the most underrated card in the market. No other card with a $95 annual fee offers these many bonus categories, especially at 3x points per dollar.
Travel on Point(s) has partnered with CardRatings for our coverage of credit card products. Travel on Point(s) and CardRatings may receive a commission from card issuers. Opinions, reviews, analyses & recommendations are the author’s alone, and have not been reviewed, endorsed or approved by any of these entities.

Review: Citi Premier

The Citi Premier is the most underrated card in the market. No other card with a $95 annual fee offers these many bonus categories, especially at 3x points per dollar.

Travel on Point(s) has partnered with CardRatings for our coverage of credit card products. Travel on Point(s) and CardRatings may receive a commission from card issuers. Opinions, reviews, analyses & recommendations are the author’s alone, and have not been reviewed, endorsed or approved by any of these entities.

The Citi Premier is perhaps the best mid-range card for earning bonus points across different categories. Read on to learn why this points-earning machine of a card likely deserves a spot in your wallet.

Current Offer

The Premier's current all-time high offer is for 80,000 bonus Citi ThankYou Points after spending $4,000 in the first three months of account opening. The card comes with a $95 annual fee, and has no foreign transaction fees.

If you choose to apply for the card, remember that Citi has a few application rules to keep in mind. Citi will not approve you for more than one card every eight days, and two cards every 65 days. Also, you will not be eligible for the welcome bonus if you received a signup bonus or closed another ThankYou points-earning card like the Premier, Citi Rewards+, or ThankYou Preferred within the last 24 months.

Earn Rates

The Premier earns 3x points at restaurants, supermarkets, gas stations, air travel, and hotels, and 1x on all other purchases. “Air travel and hotels” covers airlines, hotels, and travel agencies.

Citi ThankYou Points, like other transferable points currencies, offer incredible value through the several transfer partners, which include Air France/KLM, Turkish Airlines, Virgin Atlantic, and Etihad Airways.

You can fly ANA First Class by transferring Citi ThankYou Points to Virgin Atlantic.

Benefits

The Premier's main strength is in its points earning potential, since this no-frills card does not offer many benefits. The card does offer $100 off a single hotel stay of $500 or more when booked through thankyou.com or 1-800-THANKYOU. This benefit is available once per calendar year.

Our Analysis

The Citi Premier is an excellent well-rounded card that earns 3x points per dollar spent on four major bonus categories. The card is one of the best cards for uncapped spend at supermarkets and for gas station spend at 3x points.

From a points earning perspective, the Citi Premier competes well against the Chase Sapphire Preferred and the American Express Green Card in both the number of bonus categories and points per dollar earning potential. For the CSP’s $95 annual fee, you earn 3x points on dining and online groceries, 2x on travel (which does not include gas stations), and 5x points on Lyft rides. The Amex Green Card has a higher annual fee of $150, earns 3x for travel and restaurants worldwide, and comes with a number of benefits that include statement credits. Yet for the Citi Premier’s $95 annual fee, you can earn 3x points on more spending categories than either of the CSP or the Amex Green Card. Having gas stations and supermarkets as bonus categories makes the Citi Premier standout against the competition. Bottom line: the Citi Premier offers the highest bonus points per dollar across the most bonus categories among mid-tier credit cards.

Final Thoughts

The Citi Premier is a well-rounded tool for earning ThankYou points. The card earns 3x points on restaurants, air travel and hotels, gas stations, and supermarkets. No other card with a $95 annual fee offers these many bonus categories, especially at 3x points per dollar.

What are your plans for the Citi Premier? Do you have it? Are you getting it? Let us know on our Facebook group!

Travel on Point(s) has partnered with CardRatings for our coverage of credit card products. Travel on Point(s) and CardRatings may receive a commission from card issuers. Opinions, reviews, analyses & recommendations are the author’s alone, and have not been reviewed, endorsed or approved by any of these entities.

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