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Citi Premier Card

in Personal Credit Cards from CIT Bank

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Citi Premier Card

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in Personal Credit Cards from CIT Bank

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Highlights
Highlights
Annual Fee $0
Purchase APR (Variable APR) 16.74% - 25.74%
Balance Transfer APR (Variable APR) N/A
Credit Score Range 720 - 850

Overview

Who is Citi Premier Card designed for?

Citi Premier Card is a a charge card issued by CIT Bank, which is based in New York, NY. 

Citi Premier Card is designed for people with a credit score of 720 to 850. However, the annual fee is waived the first year. This makes a good fit for people who are willing to pay an annual fee for a card with the right benefits but want to test it before agreeing to pay a fee. A rewards program is included that allows you to convert your purchases into travel, gifts, or other perks. This card supports balance transfers, which is an attractive feature if you have credit card debt and would like to transfer it to a card with a lower APR.

What are the relevant APRs for Citi Premier Card?

Citi Premier Card is a charge card and therefore doesn't have interest charges. You must pay your balance in full every month.

Does Citi Premier Card have an introductory APR offer?

No, Citi Premier Card does not come with an introductory APR offer for balance transfers. Citi Premier Card does not offer an introductory rate on new purchases.
Citi Premier Card Rates & Terms
Purchase APR 16.74% - 25.74%
Cash Advance APR Starting at 27.49%
Penalty APR 29.99%

What are the Citi Premier Card fees?

The following fees apply to Citi Premier Card:

  • There is no annual fee.
  • A late payment penalty of up to $39.
  • Citi Premier Card does not charge a returned payment fee.

Does Citi Premier Card have a foreign transaction fee?

Citi Premier Card does not charge foreign transaction fees. If you are a frequent traveler, this can save you hundreds of dollars in credit card fees when you travel out of the country.
Citi Premier Card Fees
Fees Amount
Annual Fee $0
Foreign Transaction Fee 0%
Balance Transfer Fee 3%
Minimum Balance Transfer Fee $5
Returned Payment Fee up to $39
Late Payment Fee up to $39

Is there a Citi Premier Card cash back or rewards program?

Citi Premier Card offers a rewards program to its customers. This card features rewards for purchases in the following categories:

  • Airfare
  • Amazon.com
  • Car Rentals
  • Every Purchase
  • Gas
  • Restaurants
  • Trains, Cruises, Other Travel

Does Citi Premier Card have a signup bonus?

Citi Premier Card doesn't offer a cash signup bonus. However, it does include a 50000 points signup bonus after spending $4000 that can be redeemed for travel, gifts, or other perks.

Does Citi Premier Card offer an annual loyalty bonus?

Citi Premier Card doesn't offer a cash loyalty bonus.

What are the Citi Premier Card benefits?

Citi Premier Card provides the following benefits:

  • Free Credit Score
  • Fraud Liability
  • No blackout dates when redeeming miles
  • Reports to major credit bureaus

Does Citi Premier Card report your account activity to credit bureaus?

Citi Premier Card reports your account activity to the following credit reporting agencies:

  • Equifax
  • Experian
  • Transunion

Making regular and on-time payments on a credit card that reports your account activity to credit bureaus will demonstrate that you consistently manage debt well and can help increase your credit scores.

How to apply for Citi Premier Card

  • Click here to go to the CIT Bank application form.
  • Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, annual income, and source of employment.
  • Check the information is accurate and submit your application.
  • If you're denied click here to find out why your application was rejected and what you can do about it.
    SUPERMONEY Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...

    Availability

    Alaska Alabama Arkansas Arizona California Colorado Connecticut Washington, D.C. Delaware Florida Georgia Hawaii Iowa Idaho Illinois Indiana Kansas Kentucky Louisiana Massachusetts Maryland Maine Michigan Minnesota Missouri Mississippi Montana North Carolina North Dakota Nebraska New Hampshire New Jersey New Mexico Nevada New York Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Virginia Vermont Washington Wisconsin West Virginia Wyoming
      Available in 50 states and Washington, D.C.
    • Alabama
    • Alaska
    • Arizona
    • Arkansas
    • California
    • Colorado
    • Connecticut
    • Delaware
    • Washington, DC
    • Florida
    • Georgia
    • Hawaii
    • Idaho
    • Illinois
    • Indiana
    • Iowa
    • Kansas
    • Kentucky
    • Louisiana
    • Maine
    • Maryland
    • Massachusetts
    • Michigan
    • Minnesota
    • Mississippi
    • Missouri
    • Montana
    • Nebraska
    • Nevada
    • New Hampshire
    • New Jersey
    • New Mexico
    • New York
    • North Carolina
    • North Dakota
    • Ohio
    • Oklahoma
    • Oregon
    • Pennsylvania
    • Rhode Island
    • South Carolina
    • South Dakota
    • Tennessee
    • Texas
    • Utah
    • Vermont
    • Virginia
    • Washington
    • West Virginia
    • Wisconsin
    • Wyoming

    Feature Breakdown

    Grace Period for Late Payment (Days) 23
    Annual Fee $0
    Annual Fee: See Terms* $95
    Foreign Currency Transaction Fee 0%
    No Annual Fee First Year  
    No Foreign Transaction Fee  
    Returned Payment Fee Up to $39
    Minimum Interest Charge $0.50
    Late Fee Amount Up to $39
    Balance Transfer Fee % 3%
    Balance Transfer Fee Minimum $5
    Cash Advance Fee ($) Starting at $10
    Cash Advance Fee (%) Starting at 5%
    Cash Advance Fee Minimum $10
    Minimum Age 18
    Credit Score Range 720 - 850
    Immigration Status Considered
    • U.S. Citizen
    • U.S. Permanent Resident
    Employment Statuses Considered
    • Employed Full-Time
    • Employed Part-Time
    • Other
    • Retired
    • Self-Employed
    Military Status
    • Active Duty Military
    • Military Dependent
    • Non-Military
    • Veterans
    Customer Type Personal
    Fraud Liability  
    Free FICO Score  
    Credit Card Benefits
    • Fraud Liability
    • Free Credit Score
    Bonus Rewards Earn 50,000 Bonus Points After making $4,000 in purchases with your card within the first 3 months of account opening
    All Other Purchases 1X Points on All Other Purchases
    No Blackout Dates  
    Every Purchase 3X Points on Travel including Gas Stations 2X Points at Restaurants and on Entertainment
    No Reward Expiration Period  
    Rewards Categories
    • Airfare
    • Amazon.com
    • Car Rentals
    • Entertainment
    • Every Purchase
    • Gas
    • Restaurants
    • Trains, Cruises, Other Travel
    Signup Bonus (points) 50,000
    Purchase APR (Variable APR) 16.74% - 25.74%
    Cash Advance APR (Variable APR) Starting at 27.49%
    Balance Computation daily balance
    Penalty APR 29.99%

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