Citi Premier Card Reviews (Oct. 2020) | Personal Credit Cards

Highlights
Community Rating	Rating not yet determined
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 & Cons

The Good	The Bad
No foreign transaction fee. Cardholders can earn rewards on every purchase. Earn rewards on every purchase. Citi Premier Card reports to multiple credit bureaus. Cardholders can earn rewards on their purchases.	Requires good to excellent credit. Charges an annual fee of $95 Charges a 3% balance transfer fee. Does not include many credit card benefits.

Citi Premier Card FAQ

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)	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:

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.

Citi Premier Card Purchase Intro Offer
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:

Citi Premier Card Fees
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.

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...

Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Contact

Headquarters
388 Greenwich Street
New York, NY 10013
Visit Site

Hours of Operation

Sunday Closed
Monday 9:00am - 5:00pm
Tuesday 9:00am - 5:00pm
Wednesday 9:00am - 5:00pm
Thursday 9:00am - 5:00pm
Friday 9:00am - 6:00pm
Saturday 10:00am - 3:00pm

Other Services by Citibank

View all personal credit cards offered by Citibank

Banking

Credit Card

Loans

Availability

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

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.

Citi Premier Card Community Reviews

Would you recommend Citi Premier Card to your friends?

Foreign Currency Transaction Fee	0%
No Foreign Transaction Fee
No Interest Grace Period for Late Payment	23 days
Cash Advance Fee Minimum	$10
Cash Advance Fee (%)	Up to 5%
Minimum Cash Advance Fee ($)	Starting at $10
Annual Fee	$95
Minimum Interest Charge	$0.50
Returned Payment Fee	Up to $40
Late Fee Amount	Up to $40

Customer Type	Personal
Minimum Age	18
Supported Income Types	Direct Deposit (W2, SSA, SSDI) Cash Payroll Check or Prepaid Card 1099 Misc. Income
Military Status	Active Duty Military Non-Military Veterans Military Dependent
Employment Statuses Considered	Employed Full-Time Employed Part-Time Other Retired Self-Employed
Immigration Status Considered	U.S. Citizen U.S. Permanent Resident
Credit Score Range	720 - 850 850 300 720

Bonus Rewards	Earn 60,000 Bonus Points After making $4,000 in purchases with your card within the first 3 months of account opening.
No Reward Expiration Period
No Blackout Dates
Rewards Rates	Airfare Car Rentals Entertainment Every Purchase Gas Restaurants Travel
Signup Bonus (points)	60,000
Rewards Type	Points

Card Type	Rewards Travel Bonus Offers Gas
Card Network	Mastercard

Compare All Personal Credit Cards

Citi Premier Card

in Personal Credit Cards from Citibank