Citi Premier Card
in Personal Credit Cards from Citibank
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| Purchase APR (Variable APR) | 16.99% - 24.99% |
| Balance Transfer APR (Variable APR) | 16.99% - 24.99% |
| Credit Score Range | 720 - 850 |
| Annual Fee | $95 |
Citi Premier Card Review
Citi Premier Card is a rewards credit card issued by Citibank. If you're wondering whether Citi Premier Card is the right card for you, read on. This is everything you need to know to make a good choice.
Key takeaways:
- Generous reward rate. You will get a a rewards rate of 3 points per dollar spent.
- Signup bonus. Offers a signup bonus of 60000 points after spending $4,000 within 3 months that can be redeemed for travel, gifts, or other perks.
- Competitive APRs. Citi Premier Card has a variable purchase APR that ranges from 16.99% up to 24.99%.
- 3% Balance transfer fee. Citi Premier Card charges a fee of up to 3% on balance transfers. For example, a balance of $1,000 could cost up to $30 in transfer fees. The minimum fee is $5.
- $0 foreign transaction fee. This card does not charge foreign transaction fees, which makes a great credit card to carry with you when traveling abroad.
- Gas rewards.
- Good or better credit required. You should probably try with another card if your credit score is below 720.
Citi Premier Card Pros and Cons:
| The Good | The Bad |
|---|---|
|
|
Is there a Citi Premier Card cash back or rewards program?
Citi Premier Card offers a rewards program to its customers.
| Rewards rate (all purchases) | 1% |
| Max rewards rate | 3% |
| Annual rewards limit | N/A |
| Signup Bonus ($) | N/A |
| Signup Bonus (Points/Miles) | 60000 |
| Signup Bonus Spend Requirement | $4000 |
| Signup Bonus Spend Period (months) | 3 months |
Does Citi Premier Card have a signup bonus?
Citi Premier Card doesn't offer a cash signup bonus. However, it does include a 60000 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
- Zero fraud liability
- No blackout dates when redeeming miles
- Reports to major credit bureaus
What are the relevant APRs for Citi Premier Card?
According to the Federal Reserve Board, the average interest rate is 15% for all credit cards and 17% for accounts that carry a balance.Citi Premier Card has a variable purchase APR that ranges from 16.99% up to 24.99%. The card has a variable balance transfer APR that ranges from 16.99% up to 24.99%. It also has a variable cash advance APR of 26.24% . Note that late payments are subject to an APR of 29.99% if you are late or miss your payments. Typically, the penalty APR applies for a minimum of six months but can go on indefinitely.
Does Citi Premier Card have an introductory APR offer on balance transfers?
No, Citi Premier Card does not come with an introductory APR offer for balance transfers.Does Citi Premier Card have an introductory APR offer on new purchases?
Citi Premier Card does not offer an introductory rate on new purchases.| Description | |
|---|---|
| Introductory Rate | N/A |
| Purchase Intro APR Period (months) | N/A |
What are the fees for Citi Premier Card?
The following fees apply to Citi Premier Card:
| Fees | Amount |
|---|---|
| Annual Fee | $95 |
| Foreign Transaction Fee | 0% |
| Returned Payment Fee | up to $40 |
| Late Payment Fee | up to $40 |
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.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 on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and can help improve your credit.
How to apply for Citi Premier Card
- Visit the Citi Premier Card website.
- Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
- Check the information is accurate and submit your application.
- If you're denied click here to find out why your application may have been rejected and what you can do about it.
If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.
Contact
- Headquarters
-
388 Greenwich Street
New York, NY 10013 - Visit Site
Other Services by Citibank
Availability
- 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
| Gas (Points) | 3 |
| Entertainment (Points) | Starting at 2 |
| Car Rentals (Points) | 3 |
| Airfare (Points) | 3 |
| Every Purchase (Points) | Earn 1 ThankYou Point per dollar spent on all other purchases. |
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