Credit Cards

Citi Premier® review: is it worth it?

If you're seeking a remarkable travel credit card with an outstanding Rewards Points program, this is the perfect choice for you. Continue reading to delve deeper into its features and benefits.


Unparalleled flexibility in point redemption and exceptional travel benefits

citi premier
The Citi Premier® is a travel rewards credit card with a lot of benefits. Source: Citi.

If you’re someone who enjoys accumulating reward points through credit card usage, take a look at this review of the Citi Premier®. It could be the ideal card for you.

The Citi Premier® is a travel rewards credit card packed with numerous benefits, such as travel rewards and bonus points.

But is it a worthwhile choice? Continue reading to uncover the answer.

Logo Citi fundo azul

How do you get the Citi Premier® card?

Have you thought about applying for the Citi Premier® card? It offers reward points on your everyday purchases and provides travel benefits for exploring the world. Disco

Credit Score690 or higher
Annual Fee$95
Regular APR15.99% – 23.99% (variable)
Welcome bonus60,000 points after spending $4,000 in the first 3 months
Rewards3x points per $1 spent at restaurants, supermarkets, gas stations, air travel, and hotels.

Is Citi Premier® a good card?

Absolutely! Citi Premier® is an excellent choice for everyday use and international travel. Let’s delve into the benefits of the Citi Premier® card.

Unlike many other travel credit cards, Citi Premier® rewards you with three points for nearly every purchase. If you leverage your points wisely, the benefits can easily surpass the annual fee.

The welcome bonus alone can be valued at $600 in gift cards, according to Citi’s website. The points are highly flexible and hold substantial value among reward currencies, estimated at 1.7 cents per point by experts.

If you’re a travel enthusiast, you’ll appreciate the option to transfer points to 16 different airlines. This level of flexibility sets it apart from cards that restrict your choices to just a few airlines.

Additionally, the Citi Premier® card offers an attractive alternative for those seeking a travel rewards credit card without the hefty annual fees associated with premium cards.

Should you apply for a Citi Premier®?

smiling man calculating
Source: Freepik.

To assist you in making an informed decision about whether to apply for this card, we have outlined the pros and cons for you to consider:


  • Excellent welcome bonus with a potential value of $600.
  • $100 annual credit for hotel savings.
  • Points that never expire.
  • No limit on the number of points you can earn.
  • No foreign transaction fees.
  • Ability to use points for online purchases.
  • Complimentary additional card at no extra cost, which can help you accumulate points faster.


  • Annual fee required.
  • Compared to other travel cards, it offers fewer benefits.
  • No access to airport lounges.

Minimum credit scores required for application

A strong credit score of 690 or above is necessary to meet the approval criteria for this card.

If you’re looking to enhance your credit score, The Money Best provides a comprehensive guide on credit scores to assist you.

Applying for the Citi Premier® Card

Applying for this card is a simple process. You can easily submit your application online.

If you found this Citi Premier® review helpful, The Money Best offers a step-by-step guide on how to apply for the card. Simply refer to the information provided in the card below for further details.

Logo Citi fundo azul

How do you get the Citi Premier® card?

Have you considered applying for Citi Premier®? It will give you reward points in everyday purchases and benefits to travel the world. Learn how to apply here!

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