Verdict · Updated April 2026
Citi Premier for Dining & Restaurants
The Citi Premier isn't optimized for dining & restaurants — ranked #28 of 40 eligible cards. Unless you already hold it for other reasons, consider one of the alternatives below.
Rank #28 of 4031th percentileConsider alternatives
Reviewed by CardCompare Editorial Board
|Data-driven ranking|Updated April 2026
Citi Premier
Citi · $95 annual fee
Earn 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.
Full card review
Earn math — Dining & Restaurants profile
Based on typical dining & restaurants spending of $19,200/year across the categories below.
Annual rewards
$408
Annual fee
$95
Net value
$313
Dining multiplierDelivery creditsFast-food codingCoffee shop bonuses
Where the Citi Premier wins for dining & restaurants
- 3x on dining — solid multiplier for restaurants and delivery
Where it falls short
- No intro 0% APR and a high regular APR (29.24%) — carrying a balance is expensive
Top 3 alternatives for dining & restaurants
Cards that rank higher than or close to the Citi Premier on our dining & restaurants scoring model.
How the Citi Premier performs for other use cases
Frequently asked questions
Is the Citi Premier a good card for dining & restaurants?⌄
The Citi Premier isn't optimized for dining & restaurants — ranked #28 of 40 eligible cards. Unless you already hold it for other reasons, consider one of the alternatives below.
How much can I earn with the Citi Premier on dining & restaurants spending?⌄
At the typical dining & restaurants spending profile of $19,200/year, this card earns approximately $408 in rewards — net $313 after the $95 annual fee.
What are better alternatives to the Citi Premier for dining & restaurants?⌄
Our top 3 alternatives are U.S. Bank Altitude Reserve Visa Infinite, IHG One Rewards Premier Credit Card, Capital One SavorOne. Each ranks higher on our use-case scoring model for dining & restaurants.
What credit score do I need for the Citi Premier?⌄
The Citi Premier typically requires excellent credit. Approval also depends on income, existing debt, and application history — a score in the stated range doesn't guarantee approval.
Is the Citi Premier's annual fee worth it for this use case?⌄
The $95 annual fee breaks even when you earn $95 in rewards. At the typical dining & restaurants profile ($19,200/year), this card earns $408 — net positive after the fee.
Want the full card review?
See rewards, fees, and all perks of the Citi Premier