Citi Premier
$95/yr
Citi
Citi Premier
4.3
(876 reviews)travelrewards
Reviewed by CardCompare Editorial Board
|CFP-reviewed|Updated April 2026Earn 3x ThankYou points at restaurants, supermarkets, gas stations, air travel, and hotels — five high-value categories rarely found together on a single mid-tier card. Points transfer to 18 airline partners including United, Turkish Airlines, and Singapore Airlines, unlocking premium cabin redemptions at exceptional value.
Annual Fee
$95
Purchase APR
21.24% – 29.24%
Rewards
1x base rate
Sign-Up Bonus
$600 value
Credit Score
Excellent (750+)
Foreign Txn Fee
None
Who Should Get This Card
The Citi Premier is best suited for experienced cardholders who diverse spenders who want travel rewards. The $95 annual fee pays for itself if you spend $9,500+/year on this card.
This card is great if you…
- 3x across five categories
- Flexible point transfers
- No foreign transaction fees
- Diverse spenders who want travel rewards
Consider another card if you…
- $95 annual fee
- Points less valuable than Chase/Amex
- No lounge access
Rewards Breakdown
3x flights, hotels, restaurants, supermarkets & gas, 1x everything else
| Category | Rate |
|---|---|
| Air Travel | 3x |
| Hotels | 3x |
| Restaurants | 3x |
| Supermarkets | 3x |
| Gas Stations | 3x |
| Everything else | 1x |
Rewards Distribution
3x
top rate
Air Travel3x19%
Hotels3x19%
Restaurants3x19%
Supermarkets3x19%
Gas Stations3x19%
Everything else1x6%
Sign-Up Bonus
60,000 points after spending $4,000 in 3 months
Near Historic LowConsider waiting
Low: $750Avg: $763High: $800
Current
$600
Bonus History
23
24
24
26
Fees & APR
| Annual Fee | $95 |
| Purchase APR | 21.24% – 29.24% |
| Balance Transfer Fee | 5% |
| Foreign Transaction Fee | None |
| Late Fee | Up to $40 |
Pros & Cons
3x across five categories
Flexible point transfers
No foreign transaction fees
Solid sign-up bonus
$95 annual fee
Points less valuable than Chase/Amex
No lounge access
The Bottom Line
The Good: The Citi Premier stands out for its 3x across five categories. The welcome bonus worth $600 adds significant first-year value. No foreign transaction fees make it a strong pick for international spending.
The Not So Good: $95 annual fee. The $95 annual fee means you need to use the card actively to justify the cost. You'll need excellent credit (750+) to qualify.
Our Verdict: With an editor score of 8/10, the Citi Premier is one of our top-rated cards in its category. Make sure you'll earn at least $95 in value annually to justify the fee.
Frequently Asked Questions
What is the annual fee for the Citi Premier?▾
The Citi Premier has a $95 annual fee. Consider whether the rewards and perks you'll use offset this cost.
What is the sign-up bonus for the Citi Premier?▾
The Citi Premier currently offers a sign-up bonus worth approximately $600. 60,000 points after spending $4,000 in 3 months Terms apply — always verify the current offer directly with the issuer.
How do the rewards work on the Citi Premier?▾
The Citi Premier earns 1x points on all purchases, and up to 3x points in select bonus categories. Points can be redeemed for travel, cash back, gift cards, and more.
What credit score do I need for the Citi Premier?▾
The Citi Premier is recommended for applicants with excellent (750+) credit. Approval is not guaranteed and depends on your full credit profile.
Does the Citi Premier charge a foreign transaction fee?▾
No — the Citi Premier has no foreign transaction fees, making it a solid choice for international purchases and travel abroad.
What is the APR on the Citi Premier?▾
The Citi Premier has a variable purchase APR of 21.24% – 29.24%. If you carry a balance, interest charges can quickly outweigh any rewards earned.
Who is the Citi Premier best for?▾
The Citi Premier is best for Diverse spenders who want travel rewards. A key advantage: 3x across five categories.
Annual Fee Break-Even
$1,000/mo
$100/mo$5,000/mo
Annual rewards earned: $120Annual fee: $95
Card pays for itself! You earn $25 more than the annual fee at this spend level.
Based on 1x base rewards rate @ 1¢ per point. Bonus category spending may reduce your break-even point.
Customer Reviews
4.0
876 reviews
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RB
Rachel B.Verified CardholderOct 19, 2026
Underrated travel card
3x on flights, hotels, restaurants, supermarkets AND gas? That covers almost everything I spend on. Transfer to Turkish Airlines for outsized value.
AT
Andrew T.Verified CardholderAug 14, 2026
Good value for $95
The breadth of 3x categories makes this competitive with more expensive cards. Just wish Citi had better transfer options.
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