Sign up for the Citi Premier® to earn 60,000 bonus ThankYou® Points after you spend $4,000 in purchases within the first 3 months of account opening. We value these 60,000 ThankYou Points by using Citi’s transfer partners to be worth around $1,020 in value (1.7 cents per point).
Also, with this card you can earn:
- 3X Points at Restaurants
- 3X Points at Supermarkets
- 3X Points at Gas Stations
- 3X Points on Air Travel and Hotels
- 1X Points on All Other Purchases
The card has even more great benefits such as personal concierge service, $0 liability on unauthorized charges, lost baggage protection, and extended warranty. This card does come with an annual fee of $95.
If you’re interested, Citi Bank also has checking/savings account promotions worth checking out!
Table of Contents
Citi Premier Card Summary
 The Citi Premier® Card offers 60,000 Bonus Points after making $4,000 in purchases with your card within the first 3 months of account opening. You'll earn: • NEW! 3X Points at Restaurants • NEW! 3X Points at Supermarkets • 3X Points at Gas Stations • 3X Points on Air Travel and Hotels • 1X Points on All Other Purchases You'll be able to enjoy $100 off a single hotel stay of $500 or more, excluding taxes and fees, through thankyou.com, once per calendar year. This card comes with a $95 annual fee and no foreign transaction fees. |
| Bonus Available | Earn 60,000 bonus points after you make at least $4,000 in purchases within the first 3 months of account opening. |
| *Bonus Value | $1,020 |
| Travel Credit | N/A |
| Ongoing Rewards/Benefits | 3X Points at Restaurants 3X Points at Supermarkets 3X Points at Gas Stations 3X Points on Air Travel and Hotels 1X Points on All Other Purchases |
| Foreign Transaction Fees | No |
| Airport Lounge Access | N/A |
| Annual Fee | $95 |
Recommended Free Credit Score (Get Free Score) (Excellent)
PROS
- Bonus points
- No foreign transaction fees
CONS
- Has an annual fee
- Excellent credit needed
- Complicated rewards structure
- Weak transfer partners
Editor’s Alternate Pick
 The Chase Sapphire Preferred Card offers 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 toward travel when you redeem through Chase Ultimate Rewards®! Plus earn up to $50 in statement credits towards grocery store purchases. You'll earn 2X points on travel and dining at restaurants worldwide, eligible delivery services, takeout and dining out & 1 point per dollar spent on all other purchases. And when you redeem your points for travel through Chase Ultimate Rewards, you'll get 25% more value! Furthermore, you'll earn 2X total points on up to $1,000 in grocery store purchases per month from November 1, 2020 to April 30, 2021. Includes eligible pick-up and delivery services. You get unlimited deliveries with a $0 delivery fee & reduced service fees on orders over $12 for a minimum of one year on qualifying food purchases with DashPass, DoorDash's subscription service. Activate by 12/31/21. This card carries a $95 annual fee. |
Earning Citi Premier Bonus Points
Take advantage of the Citi Premier’s 60,000 sign-up bonus points promotion. You’ll need to make $4,000 or more in purchases within the first 3 months of account opening to earn the bonus. Compare this with other card bonuses.
Here are some ideas on meeting the spending requirement:
| • Plastiq: Plastiq allows you to pay for expenses that you generally won’t be able to with your card like rent, tuition, auto lease, mortgage payment, and more. There’s a 2.5% processing fee for using your credit card. However, this’ll be worth the card bonus you’ll get. There’s also a referral program where you can earn “Fee-Free Dollars” to use towards processing fees. See our Plastiq review. |
| • Fund Checking accounts with your card: Many banks will allow you to fund the opening deposit with a credit card. Consider opening Checking accounts that also offer a sign-up bonus. This way, you can work towards bonuses from two different sources. Big banks like Chase, HSBC, Huntington, and TD Bank have great offers and allow credit card funding. You can generally fund anywhere from $50 to $1,000 towards the opening deposit with a credit card, depending on the bank. |
| • Buy gift cards: Consider buying gift cards with your credit card that you can then spend later at your leisure. Individual merchant cards (restaurants, gas stations, supermarkets, etc.) generally don’t have purchase fees, so this is a plus. On the other hand, American Express and Visa gift cards will have purchase fees. Amazon gift cards are a great idea as you can shop for almost anything there with no purchase fees either. Unfortunately, Citi credit cards tend to code gift card purchases as Cash Advances and there’ll be a fee. Call in to customer service and lower your Cash Advance limit to $0 before purchasing gift cards. You can also buy discounted gift cards as well from Raise or find gift cards on eBay. |
| • Everyday spending & bills: Always using your credit card for everyday spending, such as for dining, gas, groceries, etc. You can also use your credit card to pay for things like insurance bills, property taxes and income taxes. However, you’ll have to consider the convenience fees. |
What Are ThankYou Points Worth?
Similar to other point-based credit cards, the value of your rewards can vary greatly. The value you will get will depend on how you use them. On average, we value each ThankYou point to be around $0.o17. The average is based on al the different ways you can transfer points to ThankYou partners. The value you receive from it will depend on your booking details such as, travel time, destination, etc.
Redeem your points towards travel booked via the Travel Center, statement credits, gift cards or online purchases at Amazon or Best Buy. Transfer your points to participating airline loyalty programs (more on that below).
Redeeming ThankYou Points
Redeem your ThankYou points on gift cards, merchandise, travel, cash and more. You can also use your points on Amazon.com and LiveNation.com. Each ThankYou point is worth about 1.17 cents.
In addition, you’ll get the most value out of your points if you stick to travel purchases, such as airfare or hotel reservations, or gift cards.
You can also use the Points+Cash option when redeeming for airfare tickets. If you don’t have enough ThankYou Points, you can pay part of your ticket with cash.
Citi Premier Cardholder Benefits
The Citi Premier® also comes with some travel and purchase protections that will benefit you. Here are some other benefits it comes with:
World Elite Mastercard Benefits: As a World Elite Mastercard, the Citi Premier has several travel-related perks that you may not know about. Those include access to the Luxury Hotels & Resorts portfolio and on-property perks, like free daily breakfast, discounts on certain airfares with carriers, like Cathay Pacific, Etihad, Lufthansa and Qatar Airways, shipboard credits with various cruise lines, and more.
Citi cardholders can enjoy Citi-Exclusive perks:
- Citi Entertainment. Buy tickets to concerts, sporting events, comedy shows and more before they’re open to the general public. Look out for exclusive VIP packages to certain events.
- Citi Concierge. 24/7 assistance for booking a flight or hotel, arranging a special night out and even finding the perfect gift for that special someone. Help is just a phone call away.
No Foreign Transaction Fees: Pay for your purchase with your ThankYou Premier Card outside of the U.S. without being charged a foreign transaction fee.
Transfer Your ThankYou Points
Transfer your ThankYou points to any of Citi’s travel partners. Here’s a list of Citi ThankYou Points Transfer Partners:
- Aeromexico Club Premier
- Asia MilesTM
- Avianca LifeMiles
- Emirates Skywards
- Etihad Guest
- EVA Air Infinity MileageLands
- Flying Blue Air France KLM
- Jetblue TrueBlue
- JetPrivilege
- Malaysia Airlines Enrich
- Qantas Frequent Flyer
- Qatar Airways Privilege Club
- Singapore Airlines KrisFlyer
- Thai Airways Royal Orchid Plus
- Turkish Airlines Miles & Smiles
- Virgin Atlantic Flying Club
There’s a minimum transfer requirement of 1,000 points and no transfer fees. Although many of these don’t primarily operate in the U.S., you can still get high value awards when booking through them. For example, you can get cheap Delta awards by booking through Virgin Atlantic, get some great deals on Star Alliance awards using Avianca LifeMiles, or pay less on ticket costs with JetBlue TrueBlue. There are many ways to maximize Citi’s transfer partners.
Conclusion
With the Citi Premier® you can take advantage of the 3X ThankYou Points for every $1 spent on travel (air travel, hotels, travel agencies). It’s also a great travel card for overseas since there is no foreign transaction fees on purchases.
- Annual fee. This card doesn’t offer strong perks, so the $95 annual fee is harder to justify.
- Complicated rewards structure. To get the most out of your points, you will need to transfer your points or do some major thinking.
- Weak transfer partners. JetBlue is the only domestic carrier you can transfer to. Also, this transfer will only offer you 800 TrueBlue points to 1,000 ThankYou points, which isn’t great.
Take advantage of travel reward opportunities and earn ThankYou Points on gas, commuting, parking, flights and more. Find our complete list of Credit Card Promotions today!
Other Credit Cards To Consider
Better Transfer Partners:
The Chase Sapphire Preferred Card offers 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 toward travel when you redeem through Chase Ultimate Rewards®! Plus earn up to $50 in statement credits towards grocery store purchases. You'll earn 2X points on travel and dining at restaurants worldwide, eligible delivery services, takeout and dining out & 1 point per dollar spent on all other purchases. And when you redeem your points for travel through Chase Ultimate Rewards, you'll get 25% more value! Furthermore, you'll earn 2X total points on up to $1,000 in grocery store purchases per month from November 1, 2020 to April 30, 2021. Includes eligible pick-up and delivery services. You get unlimited deliveries with a $0 delivery fee & reduced service fees on orders over $12 for a minimum of one year on qualifying food purchases with DashPass, DoorDash's subscription service. Activate by 12/31/21. This card carries a $95 annual fee. |
 The Capital One Venture Rewards Credit Card offers a one-time bonus of 60,000 miles once you spend $3,000 on purchases within 3 months from account opening, equal to $600 in travel. You're able to earn 2X miles on every purchase, every day. This card does come with a $95 annual fee. Enjoy no foreign transaction fees and receive up to $100 application fee credit for Global Entry or TSA Pre✔®. |
 The American Express® Gold Card offers 60,000 Membership Rewards® points after you spend $4,000 on eligible purchases with your new Card within the first 6 months. You'll have the opportunity to earn: • 4X Membership Rewards Points on Restaurants worldwide, including takeout and delivery, plus, earn 4X points for Uber Eats purchases too. • 4X Membership Rewards points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X). This card has an annual fee of $250 with no foreign transaction fees (See Rates & Fees). Some benefits including earning up to a total of $10 in statement credits monthly when you pay with the Gold Card at Grubhub, Seamless, The Cheesecake Factory, Ruth's Chris Steak House, Boxed, and participating Shake Shack locations. This can be an annual savings of up to $120. In addition, a $100 Airline Fee Credit: up to $100 in statement credits per calendar year for incidental fees at one selected qualifying airline. You'll also get $120 Uber Cash: Add your Gold Card to your Uber account and each month automatically get $10 in Uber Cash for Uber Eats orders or Uber rides in the U.S., totaling up to $120 per year. |
The Best Bank Offers are updated here. See the below pages to get started with some of the best offers: • Chase Bank Offers. Chase offers a range of attractive Checking, Savings and Business Accounts. Chase has a great selection of sign-up bonuses in comparison to other big banks. • HSBC Bank Offers. HSBC Bank routinely has offers for several of their Personal Checking and Business Checking accounts. They also have a good referral program. • Huntington Bank Offers. Huntington Bank has high bonus amounts available through their Checking and Business Checking. Huntington also offers a Business Premier Money Market Account. • Discover Bank Offers. Discover Bank offers top cashback, savings, money market accounts and CD rates for you to take advantage of. Discover has industry leading selections to cater to your banking needs. • TD Bank Offers. TD Bank consistently offers a fantastic selection of checking accounts to cater to your banking needs. However, savings account offers are less frequently available. |
| BONUS LINK | OFFER | REVIEW |
| Chase Business Complete BankingSM | $300 Cash | Review |
| Chase Total Checking® | $200 Cash | Review |
| Bank of America Checking | $100 Offer | Review |
| HSBC Premier Checking Member FDIC | $450 Cash | Review |
| HSBC Premier Checking Member FDIC | Up To $600 | Review |
| HSBC Advance Checking Member FDIC | $200 Cash | Review |
| HSBC Advance Checking Member FDIC | Up To $240 | Review |
| Aspiration | $100 Cash | Review |
| TD Bank Beyond Checking | $300 Cash | Review |
| TD Bank Convenience CheckingSM | $150 Cash | Review |
| Huntington 25 Checking | $300 Cash | Review |
| Huntington Bank Unlimited Plus Business Checking | $750 Cash | Review |
| Huntington Bank Unlimited Business Checking | $400 Cash | Review |
| Huntington Bank Business Checking 100 | $200 Cash | Review |
| Axos Bank Basic Business Checking | $100 Cash | Review |
| Ally Invest | Up to $3,500 Cash | Review |
| BlockFi | Up To $250 BTC | Review |
| Discover Bank Cashback Debit | $360 Debit Cashback | Review |
