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  Citi Premier Card

Citi Premier Card

in Personal Credit Cards from Citibank

Unaffiliated

Citi Premier Card

Unaffiliated

in Personal Credit Cards from Citibank

Net Recommendation Score +100

SUPERMONEY NET RECOMMENDATION SCORE

This product is strongly recommended by SuperMoney users with a score of +100, equating to 5 on a 5 point rating scale.

+100

Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

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Highlights
Community Rating

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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

This 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 review will provide you with with all the details you need to make a good choice.

Key Takeaways
  • Generous reward rate. You will get a rewards rate of up to 3 reward points per dollar spent.
  • Signup bonus. Offers a signup bonus of 80000 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 3% on balance transfers. For example, a balance of $1,000 could cost $30 in transfer fees. The minimum fee is $5.
  • No foreign transaction fee. This card does not charge a fee when you make a purchase that passes through a foreign bank, or is in a currency other than the U.S. dollar (USD), which makes it a great credit card to carry when traveling abroad.
  • Gas rewards. 3x points on eligible gas purchases.
  • Good or better credit required. You will have low approval odds if your credit score is below 720.
Pros & Cons of Citi Premier card
The Good The Bad
  • Free access to your credit score.
  • No foreign transaction fee.
  • Cardholders can earn rewards on their purchases.
  • Citi Premier Card reports to multiple credit bureaus.
  • 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

Does Citi Premier card have a cash back or rewards program?

Citi Premier card is a travel rewards card.

Citi Premier card Rewards
Minimum rewards rate 1x
Max rewards rate 3x
Annual rewards limit N/A
Signup Bonus (Points/Miles) 80000
Signup Bonus Spend Requirement $4000
Signup Bonus Spend Period (months) 3 months

Does Citi Premier card have a signup bonus?

This card doesn't offer a cash signup bonus. However, it does include a 80000 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?

This card doesn't offer a cash loyalty bonus.

What are the Citi Premier card benefits?

It 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 regular APR is 15% for all credit cards and 17% for accounts that carry a balance.

It 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 intro APR offer on balance transfers?

No, it does not come with an intro APR offer for balance transfers.

Does Citi Premier card have an intro APR offer on new purchases?

This card does not offer an intro APR rate on new purchases.

What are the fees for Citi Premier card?

The following fees apply:

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?

This card does not charge foreign transaction fees. If you are a frequent traveler, avoiding foreign transaction fees can save you hundreds of dollars in fees when you travel out of the country.

What is the customer service phone number for Citi Premier card?

The Citi Premier card customer service number is (800) 950-5114.

What is the support contact email for Citi Premier card?

The support contact email for Citi Premier card is customer.help@citi.com.

How do people rate the customer service and user experience of Citi Premier card?

Overall, Citi Premier card is strongly recommended based on community reviews that rate customer service and user experience.

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

Yes, 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 may 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 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.

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

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
  • 1099 Misc. Income
  • Cash
  • Direct Deposit (W2, SSA, SSDI)
  • Payroll Check or Prepaid Card
Military Status
  • Active Duty Military
  • Military Dependent
  • Non-Military
  • Veterans
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
Credit Bureau Reporting
  • Equifax
  • Experian
  • TransUnion
Credit Card Benefits
  • Fraud Liability
  • Free Credit Score
No Reward Expiration Period
No Blackout Dates
Rewards Categories
  • 3x Points on Travel
  • 3x Points on Airfare
  • 3x Points on Car Rentals
  • 3x Points on Gas
  • 3x Points on Groceries
  • 3x Points on Hotels
  • 3x Points on Restaurants
  • 1x Point on Every Purchase
Signup Bonus (points) 80,000
Cash Advance APR (Variable APR) 26.24%
Balance Computation daily balance (including current transactions).
Penalty APR (Variable APR) 29.99%
Purchase APR (Variable APR) 16.99% - 24.99%
Balance Transfer APR (Variable APR) 16.99% - 24.99%
Balance Transfer Fee Minimum $5
Balance Transfer Fee % 3%
Card Type
  • Bonus Offers
  • Gas
  • Rewards
  • Travel
Card Network Mastercard

Citi Premier Card Community Reviews

 

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SUPERMONEY NET RECOMMENDATION SCORE

This product is strongly recommended by SuperMoney users with a score of +100, equating to 5 on a 5 point rating scale.

+100

Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

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