The Citi Premier Card is a great choice for credit card users looking for a program that offers plenty of rewards. This card boasts an extensive portfolio of travel and cash-back benefits that make it an ideal option for anyone who wants to maximize their spending power. To get the most out of your Citi Premier Card, let’s take a closer look at the pros and cons.


• No annual fee

• Great sign-up bonus – New cardholders can earn 50,000 bonus points after they spend $4,000 in purchases within three months of account opening

• Travel rewards – Earn 3X points on air travel & hotels; 2X points on dining & entertainment; and 1X points on all other purchases

• Generous rewards – Earn up to 5X points per dollar on select categories of spending each quarter

• Flexible redemption options – Points can be redeemed for travel, cash back, and gift cards

• Transferrable points – Points can be transferred to a variety of frequent traveler partner programs.


• Higher APR – The Citi Premier Card has a higher than average APR rate (currently 17.99%-25.99% variable)

• Limited bonus category eligibility – Many purchases are only eligible for one point per dollar spent; some purchases are not eligible at all

• Not ideal for everyday spenders – With its high APR and limited bonus categories, the Citi Premier Card may not be the best choice for those who use credit cards for everyday purchases.


The Citi Premier Card is an excellent option for those looking to maximize their travel and cash-back rewards. With its generous signup bonus and flexible redemption options, it’s easy to see why this credit card has become a popular choice among credit card users. The potential cons are worth noting, but with responsible spending habits, you can make the most out of your Citi Premier Card experience.


In conclusion, the Citi Premier Card offers plenty of rewards and benefits that make it an attractive choice for savvy spenders. With its generous signup bonus, flexible redemption options, and great point transfer capabilities, this credit card is a great way to maximize your spending power and make the most of your credit card rewards.