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.

• Generous reward rate. You will get a a rewards rate of up to 3x.
• 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.
• High APRs. This is not a great card for people who carry a balance. It has a variable purchase APR that ranges from 17.74% up to 25.74%.
• 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.

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

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

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?

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?

The following fees apply to Citi Premier Card:

Citi Premier Card Fees

Fees	Amount
Annual Fee	up to $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 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 score.

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.