Citi Premier Card Review

The Citi Premier Card provides great reward value and is an ideal solution for travelers searching for a single travel credit card.

This card provides three times more points in popular spending categories like gas stations, supermarkets, restaurants, hotels, and air travel. Furthermore, you can transfer ThankYou points to airline partners to increase redemption values significantly.

The Right Way to Use a Travel Credit Card

An effective travel credit card strategy involves taking full advantage of the rewards available. Your mileage may vary; its utility depends on your travel and financial circumstances, although many have leveraged travel cards to maximize value from their travel experiences, such as by flying for free through airline miles. You can click here for airline travel tips.

Credit card companies make money from each purchase you make using their cards; stores pay one to 3% in interchange fees when using them at stores, known as rewards programs. 

Reward programs usually reward you with points or miles based on what type of item was purchased – you may redeem these rewards for various items, like gift cards and statement credits; alternatively, they can be transferred over to airlines and hotels as travel rewards; in certain instances, points may even be earned on non-travel purchases like groceries and telecom services.

Keep in mind that cobranded airline cards only allow you to earn miles with that specific airline, while general travel cards offer greater flexibility. If you fly often, getting a cobranded airline card may help expedite achieving elite status within one particular frequent flyer program.


The Citi Premier card provides an attractive sign-up bonus and exceptional rewards in multiple key categories. Furthermore, its sixteen airline transfer partners and two hotel transfer partners allow for plenty of flexibility and customization options. Although its $95 annual fee does not waive in its first year of membership, its points redemption value should more than offset this expense.

This card offers three Citi Reward points per dollar spent at restaurants, gas stations, supermarkets, and hotels and one point on other purchases. It also boasts unique categories not found on many other cards, such as transit and select streaming services.

Citi Reward Points can be exchanged through the ThankYou Portal for merchandise, cash back, or travel – with travel redemptions often offering greater value than others and helping maximize rewards.

Furthermore, no foreign transaction fees apply so it makes for a good option when traveling overseas – and mobile wallets such as Apple Pay and Samsung Pay make for convenient payments with your smartphone! You can click the link: for more information about Apple Pay.

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The Citi Premier Card offers a substantial sign-up bonus and competitive rewards rates on everyday spending, covering essentials like dining, groceries, and gas as well as travel-related expenses like hotel savings benefits and international airline transfer partners. 

Cardholders can redeem their ThankYou points in various ways, including cash back, statement credits, and gift cards. Those looking for additional value from their points may use them through Citi Travel Portal or transfer them directly to one of Citi’s partner airlines. 

Depending on the redemption options chosen, Citi ThankYou Points could be worth up to one cent each when used towards travel redemption through this card or its partner airlines.

The Citi Premier Card is an ideal card for individuals seeking an attractive travel bonus and generous everyday spending rewards rates, while still providing access to luxury hotels and resorts portfolio with on-property amenities and benefits such as a Lyft credit of $5 monthly and extended warranty coverage. You can read a Citi Premier® Card review for more information. It is important to thoroughly research any card before applying to be sure it holds benefits for you.


Citi Premier Card may be ideal for individuals looking for generous rewards across a range of categories, as it allows you to extract even greater value from your points by transferring them to travel partners and redeeming them at greater potential value.

While Citi’s card does have a high approval threshold, qualifying is not as difficult for those with good to excellent credit who already hold one of its bank accounts or credit cards. Your odds might even improve with existing Citi bank accounts or cards.

Citi ThankYou Points are among the most transferable points currencies, enabling holders to redeem them for outsized travel value by transferring them with seventeen hotel and airline partners. 

Citi does not explicitly prohibit applying for multiple cards within a short timeframe, however, many card issuers may have guidelines in place to limit card churning such as seasoning periods before accepting another application for approval.


Citi Premier Card provides three times points on everyday categories like restaurants, supermarkets, and gas stations. Plus, it comes with an annual $100 hotel credit and other travel-related benefits – including access to over seven hundred airline transfer partners.

Though this card carries an annual fee of $95, its benefits quickly make up for its higher annual fee with frequent use of its bonus categories and premium travel perks, like transfer partner airlines that help maximize ThankYou points’ value.

It is important to research any travel credit card to ensure you are receiving the one that will give you the most benefits.