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Credit Cards


CITI PREMIER CARD REVIEW: A LOW-FEE CARD WITH AN 80K WELCOME BONUS TO HELP YOU
EARN MORE POINTS IN THE LONG RUN


YOU CAN EARN 3X POINTS IN THREE MAJOR SPENDING CATEGORIES AND GET A HEFTY
WELCOME BONUS WHEN YOU OPEN A NEW CITI PREMIER CARD.

Updated Fri, Oct 8 2021
Trina Paul@thetrinapaul
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site.

When it comes to travel credit cards, most people are looking for a card that
offers a generous welcome bonus and a rewards program with good rates to redeem
for travel. The Citi Premier® Card recently started offering new cardholders an
elevated welcome bonus of 80,000 points, which is 20,000 points higher than the
previous offer.



When Select crunched the numbers and looked closer, we found that the Citi
Premier® Card beat out popular travel credit cards like the Chase Sapphire
Preferred® Card and Capital One Venture Rewards Credit Card in terms of earnings
after five years. (See our methodology for more information on how we choose the
best cards.)

Below, we break down the rewards, benefits and fees associated with the Citi
Premier Card to help you decide if it's the right card for you.


CITI PREMIER CARD REVIEW

 * Rewards
 * Additional benefits
 * Fees
 * Bottom line


CITI PREMIER® CARD

Learn More
On Citi's secure site

 * REWARDS
   
   3X points per $1 spent at restaurants, supermarkets, gas stations, and on
   hotels and air travel, 1X points on all other purchases

 * WELCOME BONUS
   
   80,000 bonus ThankYou® Points after you spend $4,000 in purchases within the
   first 3 months of account opening

 * ANNUAL FEE
   
   $95

 * INTRO APR
   
   None

 * REGULAR APR
   
   15.99% to 23.99% variable APR on purchases and balance transfers

 * BALANCE TRANSFER FEE
   
   5% of each balance transfer, $5 minimum

 * FOREIGN TRANSACTION FEE
   
   None

 * CREDIT NEEDED
   
   Good/Excellent

See our methodology, terms apply.

PROS

 * Unlimited 3 points per $1 spent at gas stations
 * No foreign transaction fees

CONS

 * $95 annual fee
 * No special financing offers

 * Estimated rewards earned after 1 year: $1,265
 * Estimated rewards earned after 5 years: $3,129

Rewards totals incorporate the rewards earned from the welcome bonus

Learn More

View More


CITI PREMIER CARD REWARDS



New cardholders can earn 80,000 bonus ThankYou® Points when they spend $4,000 in
purchases within the first three months of opening the account.

The redemption value of ThankYou® Points varies, but you can expect to get good
value when redeeming for travel or gift cards.

For instance, if you choose to redeem the points for gift cards, 80,000 points
you'll get $800 worth of gift cards at a variety of different stores such as
Lowe's, Target, Macy's, Starbucks®, and even online services like Hotels.com®,
Spotify and GRUBHUB.



If you're looking for other ways to redeem your points for 1 cent per point, you
can also use your ThankYou® Points to pay off your mortgage and student loan
payments (meaning 80,000 points would cover $800 worth of mortgage payment).

You can also redeem your ThankYouPoints as a statement credit, but be aware that
you'll likely get a redemption value of less than 1 cent per point, so it's best
to either redeem your points for travel, gift cards or paying off your mortgage
or student loans.

When it comes to transferring your ThankYou® Points for airline travel, there
are 16 airline transfer partners such as Etihad Guest, Qatar Airways Privilege
Club and Virgin Atlantic Flying Club. Despite the plethora of different transfer
partners, most are international carriers with the exception of JetBlue
TrueBlue. However, some of the international partners are useful for booking
flights within the U.S.

The ThankYou program includes Turkish Airlines as a transfer partner, which is
great for booking award flights on its partner United Airlines. One-way domestic
United flights booked through Turkish only cost 7,500 miles in economy and
15,000 miles in business.

The Citi Premier® Card's closest competitor is the Chase Sapphire Preferred
Card, which also has a $95 annual fee and is currently offering new cardholders
a 60,000-point welcome bonus when they spend $4,000 within the first three
months of opening the card. The Sapphire Preferred bonus is worth up to $750 in
travel if you book through the Chase Ultimate Rewards® portal. (Read the full
review on the Chase Sapphire Preferred Card.)


CHASE SAPPHIRE PREFERRED® CARD

Learn More
On Chase's secure site

 * REWARDS
   
   $50 annual Ultimate Rewards Hotel Credit, 5X points on travel purchased
   through Chase Ultimate Rewards®, 3X points on dining, 2X points on all other
   travel purchases, 5X points on Lyft rides through March 2022, and 1X points
   on all other purchases

 * WELCOME BONUS
   
   Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3
   months from account opening

 * ANNUAL FEE
   
   $95

 * INTRO APR
   
   None

 * REGULAR APR
   
   15.99% to 22.99% variable on purchases and balance transfers

 * BALANCE TRANSFER FEE
   
   Either $5 or 5% of the amount of each transfer, whichever is greater

 * FOREIGN TRANSACTION FEE
   
   None

 * CREDIT NEEDED
   
   Excellent/Good

See our methodology, terms apply.

PROS

 * Points are worth 25% more when redeemed for travel via Chase Ultimate
   Rewards®
 * Transfer points to leading frequent travel programs at a 1:1 rate, including:
   IHG® Rewards Club, Marriott Bonvoy™ and World of Hyatt®
 * Free DashPass subscription for a minimum of a year when you activate by
   December 31, 2021
 * Travel protections include: auto rental collision damage waiver, baggage
   delay insurance and trip delay reimbursement
 * No fee charged on purchases made outside the U.S.

CONS

 * $95 annual fee
 * No introductory 0% APR

 * Estimated rewards earned after 1 year: $1,506
 * Estimated rewards earned after 5 years: $2,528

Rewards totals incorporate the points earned from the welcome bonus

Learn More

View More

The rewards-earning rate for the Citi Premier Card is quite high for a travel
card, providing 3X points on restaurants, supermarkets (this excludes drug
stores), gas stations, hotels and air travel. You'll also get 1X point on all
other purchases. The Sapphire Preferred is competitive, however, offering 5X
points on travel purchased through Chase Ultimate Rewards®, 3X points on dining
and 2X points on all other travel purchases.

For those with spending spread across more categories, you might consider the
Capital One Venture Rewards card, a travel card that mimics a flat-rate
cash-back card because it offers 2X points on all purchases.


CAPITAL ONE VENTURE REWARDS CREDIT CARD

Learn More
Information about the Capital One Venture Rewards Credit Card has been collected
independently by Select and has not been reviewed or provided by the issuer of
the card prior to publication.

 * REWARDS
   
   5X miles on hotel and rental cars booked through Capital One Travel℠, 2X
   miles per dollar on every other purchase

 * WELCOME BONUS
   
   Earn 60,000 bonus miles once you spend $3,000 on purchases within the first 3
   months from account opening.

 * ANNUAL FEE
   
   $95

 * INTRO APR
   
   N/A for purchases and balance transfers

 * REGULAR APR
   
   17.24% to 24.49% variable on purchases and balance transfers

 * BALANCE TRANSFER FEE
   
   3% for promotional APR offers; none for balances transferred at regular APR

 * FOREIGN TRANSACTION FEE
   
   None

 * CREDIT NEEDED
   
   Excellent/Good

See our methodology, terms apply.

PROS

 * 5X miles on hotel and rental cars booked through Capital One Travel℠
 * Global Entry or TSA PreCheck application fee credit up to $100 every 4 years

CONS

 * No introductory APR
 * There’s a $95 annual fee

 * Estimated rewards earned after 1 year: $1,466
 * Estimated rewards earned after 5 years: $2,931

Rewards totals incorporate the miles earned from the welcome bonus

Learn More

View More

Select calculated how many rewards the average American can earn if they
optimize the way they use their Citi Premier Card. We worked with the location
intelligence firm Esri, who provided us with a sample annual spending budget of
$22,126.

The budget includes six main categories: groceries ($5,174), gas ($2,218),
dining out ($3,675), travel ($2,244), and general purchases ($9,982). We broke
out travel spending to just hotels ($621) and airlines ($546) when calculating
the amount of rewards the Citi Premier would earn.

Here's a breakdown of how many ThankYou® Points you can earn in each category,
annually:

 * Airlines: 1,638
 * Gas: 6,653
 * Dining: 11,024
 * Hotels/Lodging: 1,862
 * Groceries: 15,523
 * All other purchases: 9,982

 * Total: 46,592

Based on the annual spending budget from Esri, the average American can earn an
estimated 126,592 ThankYou® Points in the first year of card membership,
including the welcome bonus. If you redeem your rewards for 1 cent per 1 point,
you'll earn $1,265. After five years of using the card you'll earn rewards worth
$3,129.


ADDITIONAL BENEFITS




ENTERTAINMENT

The Citi Premier comes with access to Citi® Entertainment, a service offering
cardholders the opportunity to purchase tickets and pre-sale tickets to
concerts, sporting events and theater events.


TRAVEL

One new perk of the Citi Premier Card is the hotel benefit: Once a year,
cardholders can get $100 off a hotel stay of $500 or more booked through
thankyou.com.


FEES



This card has an annual fee of $95. However, if you utilize the $100 yearly
hotel benefit, it'll cover the cost of the annual fee.

This card does not come with an introductory 0% APR period on balance transfers
or purchases, so if you want some time before a high interest rate on your card
kicks in, or you're looking for a way to pay off another credit card balance at
0% APR, this probably isn't the best choice for you.

This card has no foreign transaction fees, making it good for international
travelers.


BOTTOM LINE



While the Citi Premier Card's welcome bonus isn't the biggest out there,
cardholders can earn a lot of rewards on popular spending categories like
groceries, gas and dining out.

While it's light on additional perks for a travel credit card, the Premier is a
solid card, and cardholders can feel confident that they can earn lots of points
in the long run.


READ MORE

New Citi Premier cardholders can now score an 80,000-point welcome bonus, good
for $800 in gift cards
Here are the best travel credit cards that can save you hundreds on your next
vacation


OUR METHODOLOGY



To determine which credit cards offer the best value, Select analyzed 234 of the
most popular credit cards available in the U.S. We compared each card on a range
of features, including rewards, welcome bonus, introductory and standard APR,
balance transfer fee and foreign transaction fees, as well as factors such as
required credit and customer reviews when available. We also considered
additional perks, the application process and how easy it is for the consumer to
redeem points.

Select teamed up with location intelligence firm Esri. The company's data
development team provided the most up-to-date and comprehensive consumer
spending data based on the 2019 Consumer Expenditure Surveys from the Bureau of
Labor Statistics. You can read more about their methodology here.

Esri's data team created a sample annual budget of approximately $22,126 in
retail spending. The budget includes six main categories: groceries ($5,174),
gas ($2,218), dining out ($3,675), hotels and lodging ($621), airlines ($546),
and general purchases ($9,982). General purchases include items such as
housekeeping supplies, clothing, personal care products, prescription drugs and
vitamins, and other vehicle expenses.

Select used this budget to estimate how much the average consumer would save
over the course of a year, two years and five years, assuming they would attempt
to maximize their rewards potential by earning all welcome bonuses offered and
using the card for all applicable purchases. All rewards total estimations are
net the annual fee.

While the five-year estimates we've included are derived from a budget similar
to the average American's spending, you may earn a higher or lower return
depending on your shopping habits.

The information for the Capital One Venture card has been collected
independently by Select and has not been reviewed or provided by the issuer or
provider of this product.


Editorial Note: Opinions, analyses, reviews or recommendations expressed in this
article are those of the Select editorial staff’s alone, and have not been
reviewed, approved or otherwise endorsed by any third party.


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