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Citi
Citi Premier
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MastercardCiti
Citi Premier
4.3
(876 reviews)travelrewards
Last verified March 2026
A well-rounded travel card with 3x points across five popular categories.
Annual Fee
$95
Purchase APR
21.24% – 29.24%
Rewards
1x base rate
Sign-Up Bonus
$600 value
Credit Score
Excellent (750+)
Foreign Txn Fee
None
Rewards Breakdown
3x flights, hotels, restaurants, supermarkets & gas, 1x everything else
| Category | Rate |
|---|---|
| Air Travel | 3x |
| Hotels | 3x |
| Restaurants | 3x |
| Supermarkets | 3x |
| Gas Stations | 3x |
| Everything else | 1x |
Sign-Up Bonus
60,000 points after spending $4,000 in 3 months
Fees & APR
| Annual Fee | $95 |
| Purchase APR | 21.24% – 29.24% |
| Balance Transfer Fee | 5% |
| Foreign Transaction Fee | None |
| Late Fee | Up to $40 |
Pros & Cons
3x across five categories
Flexible point transfers
No foreign transaction fees
Solid sign-up bonus
$95 annual fee
Points less valuable than Chase/Amex
No lounge access
Annual Fee Break-Even
$1,000/mo
$100/mo$5,000/mo
Annual rewards earned: $120Annual fee: $95
Card pays for itself! You earn $25 more than the annual fee at this spend level.
Based on 1x base rewards rate @ 1¢ per point. Bonus category spending may reduce your break-even point.
Customer Reviews
4.0
876 reviews
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Rachel B.VerifiedOct 19, 2025
Underrated travel card
3x on flights, hotels, restaurants, supermarkets AND gas? That covers almost everything I spend on. Transfer to Turkish Airlines for outsized value.
AT
Andrew T.VerifiedAug 14, 2025
Good value for $95
The breadth of 3x categories makes this competitive with more expensive cards. Just wish Citi had better transfer options.