Citi Premier Review
Citi · Diverse spenders who want travel rewards
4.0 / 5 (2 reviews)
Annual Fee
$95
Rewards
3x flights, hotels, restaurants, supermarkets & gas, 1x everything else
Regular APR
21.24% – 29.24%
Credit Needed
Excellent (750+)
Our Expert Verdict
8/10
Editor's Score
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.
Pros
- 3x across five categories
- Flexible point transfers
- No foreign transaction fees
- Solid sign-up bonus
Cons
- $95 annual fee
- Points less valuable than Chase/Amex
- No lounge access
Sign-Up Bonus
60,000 points after spending $4,000 in 3 months
Key Benefits & Perks
No foreign transaction fees
Transfer to airline & hotel partners
Trip interruption protection
$100 annual hotel savings benefit
Rewards Breakdown
| Category | Rate |
|---|---|
| Air Travel | 3x |
| Hotels | 3x |
| Restaurants | 3x |
| Supermarkets | 3x |
| Gas Stations | 3x |
| Everything else | 1x |
User Reviews
Customer Reviews
4.0
2 reviews
5
0
4
2
3
0
2
0
1
0
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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