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Citi Premier® Card: Maximize Rewards on Travel and Everyday Spending

Earn 3X points on the things you do every day—plus a valuable welcome bonus and flexible redemption options

  • 3X Points in Everyday Categories

  • The Citi Premier® Card earns 3X ThankYou® Points on restaurants, supermarkets, gas stations, air travel, and hotels—covering both essential spending and travel. Whether you’re grabbing groceries or booking a trip, you’re rewarded for the purchases you make most.

  • Flexible Redemption with Travel Partners

  • Your points are redeemable for travel, gift cards, and more—but even better, you can transfer points 1:1 to over a dozen airline loyalty programs, allowing you to unlock high-value redemptions for flights around the world.

  • No Foreign Transaction Fees

  • Use your Citi Premier® Card internationally without paying extra. Whether you’re abroad for business or vacation, you’ll save more with zero foreign transaction fees.

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Things to Know Before You Apply

  • No Travel Insurance or Lounge Access
    Unlike premium travel cards, the Citi Premier® doesn’t offer travel insurance or airport lounge access. If these perks are important to your travel style, you may want to pair it with a secondary card. Still, the 3X categories and transfer options offer strong standalone value.

  • Annual Fee of $95
    This card does come with a $95 annual fee, which isn’t waived in the first year. However, the welcome bonus, hotel discount, and generous point structure can quickly outweigh this cost for users who spend regularly in the 3X categories.

How to Apply for the Citi Premier® Card

Applying for the Citi Premier® Card is simple and can be done entirely online. You must be at least 18 years old, a U.S. citizen or permanent resident, and have a valid Social Security number. A good to excellent credit score (typically 670 or higher) is recommended for approval.

To apply, visit the official Citi.com website and navigate to the Citi Premier® Card page. Click “Apply Now”, then complete the form with your personal, financial, and employment information. After submitting your application, Citi will perform a credit check. Most applicants receive a decision within minutes.

Once approved, your card will arrive in 7–10 business days. You can start earning points right away and track your rewards through the Citi mobile app or online banking.

The Citi Premier® Card is designed for people who want to earn generous rewards on the purchases they make every day—without being locked into high annual fees or narrow bonus categories. With this card, you earn 3X points on restaurants, supermarkets, gas stations, air travel, and hotels, giving you the ability to earn valuable rewards whether you’re commuting to work, shopping for groceries, or exploring the world.

The ThankYou® Rewards program is highly flexible. You can redeem points for gift cards, travel bookings, or transfer them to more than a dozen airline partners, including JetBlue, Turkish Airlines, and Singapore Airlines. This opens the door to premium flights and international travel redemptions often valued much higher than 1 cent per point.

New cardholders can earn a 60,000-point bonus after spending $4,000 in the first 3 months—redeemable for $600 in gift cards or even more in travel. That bonus alone makes the card’s $95 annual fee a non-issue for most users.

The card also includes no foreign transaction fees, which is crucial for international travelers who want to avoid unnecessary costs. And the $100 annual hotel credit helps you save when booking through Citi’s ThankYou® Travel Center—further offsetting the fee.

While it lacks premium perks like lounge access or travel insurance, it also doesn’t come with a high annual fee. It’s perfect for users who want maximum rewards on real-life spending without paying for luxury features they may not use.

In short, if you value flexibility, broad earning categories, and travel potential—while keeping costs manageable—the Citi Premier® Card offers a smart balance of rewards and practicality.

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