Skip to content

Citi Premier®: Travel, Dine, Earn

The Citi Premier® Card offers 60,000 points (worth $600 in gift cards) after $4,000 spent in 3 months. Earn 3X on travel, dining, supermarkets, gas, and hotels, plus no foreign transaction fees. Includes $100 off a $500+ hotel stay and costs just $95/year.

Why the Citi Premier® Card Delivers Everyday Value and Travel Power

  • Wide 3X Point Categories
    Unlike cards that limit bonuses to only travel or dining, the Citi Premier® Card earns 3X points on air travel, hotels, gas stations, restaurants, and supermarkets. This makes it easy to rack up points on your everyday expenses, not just luxury trips.

  • Flexible Point Redemption
    Points can be redeemed for travel, statement credits, gift cards, and even 1:1 transfers to select airline partners. The flexibility of Citi’s ThankYou® Rewards program allows you to customize your rewards to fit your lifestyle or travel goals.

  • $100 Annual Hotel Savings Benefit
    Once per calendar year, you can receive $100 off a single hotel stay of $500 or more when booked through Citi’s ThankYou® Travel Center. This perk alone can cover the card’s annual fee.

  • No Foreign Transaction Fees
    Use your card abroad without worrying about extra charges. The Citi Premier® Card is built for travelers, offering global acceptance and no foreign transaction fees.

Points to Consider Before You Apply

  • $95 Annual Fee
    While not high compared to premium travel cards, the $95 annual fee may deter some users who want a completely fee-free experience. However, the combination of a strong welcome bonus, 3X categories, and annual hotel savings more than justifies the cost for most.

  • No Lounge Access or Travel Insurance
    Unlike premium cards in the same tier, the Citi Premier® Card does not include lounge access or comprehensive travel insurance. If these are must-have perks for you, you may want to consider pairing this card with another premium travel card. Still, the strong earning potential and flexibility make it an excellent standalone option for most users.

How to Apply for the Citi Premier® Card

Applying for the Citi Premier® Card is straightforward and can be completed entirely online. You’ll need to be a U.S. resident with a valid Social Security number and a good to excellent credit score—typically 670 or higher.

Start by visiting the official Citi website and navigating to the Premier® Card page. Click “Apply Now” and complete the form with your name, address, income, employment, and contact details. Citi will conduct a credit check as part of the approval process.

Once approved, your card will typically arrive within 7–10 business days. After activation, you can start earning rewards immediately. To qualify for the 60,000-point welcome bonus, spend at least $4,000 within the first three months from account opening. Points will post shortly after meeting the requirement and can be managed through Citi’s online banking or the mobile app.

  • Visit the official Citi.com website and find the Citi Premier® Card page

  • Click “Apply Now” to begin your secure online application

  • Enter your personal, financial, and employment information

  • Submit your application and wait for an approval decision

  • If approved, activate your card and begin earning points right away

The Citi Premier® Card is an excellent choice for consumers who want to earn generous rewards on both travel and everyday purchases. With 3X points in multiple real-life categories—such as supermarkets, restaurants, gas stations, air travel, and hotels—it’s built for people who want to make the most out of their spending, not just while traveling but every day.

The 60,000-point welcome bonus, worth $600 in gift cards or even more when transferred to airline partners, provides a fantastic starting boost. Coupled with flexible redemption options via the ThankYou® Rewards platform, this card gives users the ability to choose how they use their points—whether it’s for travel, shopping, or financial flexibility.

Its $100 annual hotel benefit and no foreign transaction fees further increase the value for frequent travelers, especially those looking for global usability without extra costs. While it doesn’t offer premium perks like lounge access or travel insurance, it also doesn’t come with a premium price tag.

Citi’s reputation for reliability, paired with their extensive partner network and easy-to-use rewards system, makes the Citi Premier® Card a smart addition to any wallet. Whether you’re planning your next vacation or just want to earn more on groceries and gas, this card blends value, simplicity, and versatility into a single, rewarding package.

APPLY NOW

Our Post

Leave a Reply

Your email address will not be published. Required fields are marked *

All rights reserved © 2025 by Finwise

Disclaimer

Welcome to finwiseusa, a blog focused solely on the distribution of informative and educational content. Please note that finwiseusa does not offer any services or personal advice. Our goal is to enrich our readers’ knowledge through insightful and engaging content.

It’s important to understand that advertisements are the sole revenue source for finwiseusa. Our website clearly marks these ads, ensuring they align with our content quality standards and relevance to our audience. We hold no direct affiliation with the advertised products or services and cannot be held accountable for any interactions or experiences that may arise from them.

Before acting on any information presented on finwiseusa, we urge our readers to conduct thorough research and exercise due diligence. finwiseusa will not bear responsibility for any direct or indirect outcomes that may result from utilizing the information found on our blog.

By accessing and using finwiseusa, you acknowledge and agree to this disclaimer. We value your trust and interest in finwiseusa and pledge to continue delivering content that is both informative and of the highest quality.