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Help Me Build Credit has partnered with CardRatings for our coverage of credit card products. Help Me Build Credit and CardRatings may receive a commission from card issuers. The editorial content on this page is not provided by any of the companies mentioned, and have not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are the author’s alone.

welcome offer

Earn 60,000 bonus ThankYou® Points after spending $4,000 within the first 3 months. Plus, earn 10 points on hotels, car rentals, and attractions booked through the Citi Travel portal, through 06/30/2024.

Bonus Value

Approximately $600 - $870

Annual Fee

$95

Card Rewards

3 points on airfare, hotels, gas, grocery, and dining

1 point everywhere else

Add to compare

Help Me Build Credit has partnered with CardRatings for our coverage of credit card products. Help Me Build Credit and CardRatings may receive a commission from card issuers. The editorial content on this page is not provided by any of the companies mentioned, and have not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are the author’s alone.

Author - Sam Updated: February 26, 2024 | Credit Card Review
Card Overview

The Citi Premier Card earns great rewards in many popular categories. You earn unlimited 3 points on gas, grocery, dining, airfare, and hotels, and 1 point everywhere else. You get travel benefits, like no foreign transaction fee, and a $100 credit when you book a single hotel stay of $500 or more through thankyou.com once per calendar year.

Card-Smart Tips & Advice
  • Credit: Good credit needed
  • Max cards: Citi will only approve you for one personal card every 8 days, and only 2 Citi personal cards within 65 days.
  • Credit bureau: Citi will usually pull your Experian credit report, sometimes Equifax, and sometimes Experian and Equifax  (depending on your state, search your state in our credit card database).
  • If you freeze your Experian credit report you can sometimes request the reconsideration department to pull your Equifax credit report.
  • Combining same-day credit inquiries: Credit inquiries for all Personal Citi cards will be combined; also, credit inquiries for all Business Citi cards will be combined. Credit inquiries for Personal and Business card applications will not be combined. Note, you cannot get approved for more than one Citi personal card within 8 days (Combining credit inquiries will only make a difference when declined for your first try and you want to try a new one)
  • Application status: You can check your application status  here  or call 1 888 201 4523
  • Reconsideration: If declined you can call 1 800 695 5171 to be reconsidered
  • Instant credit card number not available: Your new Citi credit card number will not be available immediately upon getting approved for the card
  • Quickest way to get my card: Citi will offer instant credit card numbers only on some cards (Custom Cash, Costco cards applied for in-store, AA, AT&T). Citi physical credit cards cannot be expedited and will arrive after 7-10 business days

  • Downgrade options: The Citi Premier card ($95) can be downgraded to the Citi Rewards ($0), Citi Double Cash ($0), Citi AA MileUp ($0), Citi Costco ($0), or to the Citi AT&T Access ($0). New! Citi Custom Cash ($0)

Approval Monitor (submitted by HelpMeBuildCredit users)

76% Approved
752 Avg. Score of those approved
24% Denied
Approved 76% (211)
Denied 24% (67)

Credit limit range $2,000-$15,000

Avg. Credit limit$6,074

Approved 76% (211)
Denied 24% (67)

Disclosure: These results are based on information submitted by HelpMeBuildCredit users. Credit card approval results are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. Neither HelpMeBuildCredit nor the bank advertiser's take any responsibility on the accuracy of the information.

HelpMeBuildCredit credit ranges are a variation of FICO®️ Score 8, one of many types of credit scores lenders may use when considering your credit card application

Welcome Offer Eligibility
The welcome bonus is not available if you have received a new account bonus for a Citi Premier card within the past 48 months.
Card Details And Benefits
Credits

Get a $100 credit when you book a single hotel stay of $500 or more, excluding taxes and fees, through thankyou.com once per calendar year.

Extended Warranty Protection

Get two additional years to your original manufacturer’s warranty time. (Will only cover if the original warranty is for 5 years or less). Max $10,000 per item.

Purchase Protection

Get refunded if your purchase is damaged or stolen, up to 90 days from the date of purchase. Max $10,000 per claim, $50,000 per year.

How can the points be used?
Cashback

The points can be redeemed as cashback for 1 penny per point.

Transfer to airline and hotel programs

You can transfer your points to any of the following airline or hotel partners.

Airline partners:

Transfer Ratio Transfer Time
Aeromexico – Club Premier 1:1 Instant
Air France, KLM – Flying Blue 1:1 Instant
Avianca – LifeMiles 1:1 Instant
Cathay Pacific – Asia Miles 1:1 Instant
Emirates – Skywards 1:1 Instant
Etihad Guest 1:1 Instant
EVA Air Infinity MileageLands 1:1 2 days
JetBlue – TrueBlue 1:1 Instant
Qantas Frequent Flyer  1:1 Instant
Qatar Airways Privilege Club 1:1 2 days
Singapore Airlines  -KrisFlyer 1:1 2 days
Thai Airways – Royal Orchid Plus 1:1 4 days
Turkish Airlines – Miles & Smiles  1:1 Instant
Virgin Atlantic – FlyingClub 1:1 Instant

Hotel partners:

Ratio Transfer Time
Choice Privileges 2:1 Instant
Wyndham Rewards 1:1 24 hours

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*The estimate is based on our research on what approximate value consumers get when booking travel with points or transferring the points to partner airlines/hotels and booking award travel. You might need to be reward savvy to achieve the proper value. You can find out more on how we value points here

Please note: Although, I put a lot of effort to give my readers unbiased information. I’m legally required to notify you that I may be receiving compensation from credit card companies mentioned on this page. Please see our Advertisement Disclosure for more details.
The editorial content on this page is not provided by any of the companies mentioned, and have not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are the author’s alone.
Help Me Build Credit has partnered with AwardWallet and CardRatings for our coverage of credit card products. Help Me Build Credit, AwardWallet and CardRatings may receive a commission from card issuers.

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