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  Citi Premier Card

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 $95
Purchase APR  (Variable APR) 16.74% - 25.74%
Balance Transfer APR  (Variable APR) N/A
Credit Score Range 720 - 850

Citi Premier Card Review

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.

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

Citi Premier Card offers a rewards program to its customers.

Citi Premier Card Rewards
Rewards rate (all purchases) N/A
Max rewards rate N/A
Annual rewards limit N/A
Signup Bonus ($) N/A
Signup Bonus (Points/Miles) 50000
Signup Bonus Spend Requirement $4000

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

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.

What are the Citi Premier Card fees?

$95 Annual Fee. Citi Premier Card charges an annual fee of $95. However, CIT Bank will waive the annual fee for the first year. No 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.

The following fees apply to Citi Premier Card:

Citi Premier Card Fees
Fees Amount
Annual Fee $95
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

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

  • Visit the CIT Bank website.
  • 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 may have been rejected and what you can do about it.
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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 23
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
Annual Fee $95
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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