Citi Premier® Card
Citi · Thank You Points · Reward Points
This comprehensive guide covers the Citi Premier® Card's reward rates, fees, and terms — updated regularly from official sources — to help you decide if this card fits your spending. The Citi Premier® Card from Citi offers thank you points rewards redeemable as reward points. Top earning categories include 3x points at restaurants (including takeout & delivery) and more. Annual fee is $95 (no annual fee waiver).
Best for: Dining, Grocery, Fuel, Travel
Official product page → Official rules →
Annual fee: $95
Waiver: No annual fee waiver
Waiver: No annual fee waiver
Reward Rules
- 3 pts/$100 3x points at restaurants (including takeout & delivery)
- 3 pts/$100 3x points on supermarkets
- 3 pts/$100 3x points on gas stations
- 3 pts/$100 3x points on air travel & hotels
- 1 pts/$100 1x points on all other purchases
Important Notes
- 60,000 bonus points after $4,000 in purchases in first 3 months
- Points earned at supermarkets, gas stations, and restaurants are capped after $12,000 per year then 1x
- No foreign transaction fees
How to Apply
- Apply online: Official application page →
- Credit score: Most rewards cards require good to excellent credit (typically 670+ FICO).
- Issuer rules: Some issuers restrict approvals (e.g. Chase 5/24). Verify current eligibility before applying.
Citi Premier® Card vs Similar Cards
- AAdvantage® MileUp℠ Card — Aa Miles · $0
- Best Buy® Credit Card — Reward Points · $0
- Citi Double Cash Business Card — 2% top rate · $0
Maximize Your Rewards
To earn the highest rewards, use the Citi Premier® Card for its bonus categories: Dining, Grocery, Fuel, Travel, General Online.