| 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.| 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.| 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
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
| 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 |
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