The Citi Premier® Card is a great choice for those looking to maximize their rewards on travel purchases. This review will discuss the card’s features, benefits, and drawbacks in order to help consumers make an informed decision when considering this credit card.
The Citi Premier® Card comes with many advantages for travelers including 3x points earned on airfare or hotel purchases, 2x points earned on dining and entertainment expenses, and 1 point per dollar spent elsewhere. Moreover, there are no foreign transaction fees which makes it ideal for trips abroad. The card also offers exclusive access to events through its complimentary concierge service as well as provides trip protection such as rental car insurance.
Furthermore, the Citi Premier® Card has a 0% introductory APR period of 15 months from account opening on both balance transfers and purchases. It carries an annual fee of $95 waived first year making it an attractive option for new customers who want to enjoy all these perks without paying extra costs right away. In conclusion, this review demonstrates how the Citi Premier® Card can provide valuable rewards and benefits for frequent travelers at an affordable price tag.
Overview Of Citi Premier Card
The Citi Premier Card is a credit card designed for those who travel frequently and have the ability to make large purchases. It offers three times more points on travel-related purchases than other cards, as well as additional rewards for dining out and entertainment. In addition, the card has no foreign transaction fees and provides access to exclusive events such as concerts and sporting events.
Cardholders can earn up to 60,000 bonus points after spending $4,000 in eligible purchases within the first 3 months of account opening. The annual fee is $95 but it is waived for the first year. Furthermore, cardholders also get complimentary virtual concierge services when they need help planning trips or making reservations. The Citi Premier Card also provides purchase protection so that customers are covered if their items are stolen or damaged during transit or delivery.
Benefits And Perks
The Citi Premier card offers a generous rewards program with 3X points for travel purchases. This includes airfare, hotels, car rentals and public transportation. The earned points can be redeemed for a variety of options such as cash back, travel credits or gift cards. Additionally, the cardholder can receive an annual bonus of 25000 thank you points after spending $3000 in the first three months. Furthermore, they earn 2x on dining out and entertainment and 1x point per dollar spent elsewhere.
The card also provides access to special event experiences including concerts, sports events and culinary experiences at select locations around the world. Moreover, it grants complimentary insurance coverage on rental cars and baggage delay protection when traveling abroad. It is worth noting that there are no foreign transaction fees associated with this card making it beneficial for those who frequently travel internationally.
Rewards Program
The Citi Premier® Card offers a generous rewards program for travelers. Points can be earned on everyday purchases, as well as bonus points when using the card to purchase travel and dining expenses. All purchases earn three points per dollar spent at restaurants, supermarkets, gas stations and select department stores. Travel-related purchases such as airlines, hotels and rental cars will earn three times the points of any other purchase made with the card. Additionally, all eligible airline tickets purchased through citi.com/thankyourewards will receive an extra 25% bonus in points.
Points can also be redeemed for travel-related rewards or gift cards from leading brands such as Amazon, Best Buy and Home Depot. Furthermore, there is no limit to how many points can be earned each month and they do not expire unless the account has been inactive for more than 12 months. Customers may also transfer their points to participating loyalty programs including ThankYou Rewards partners Hilton HonorsTM and Emirates Skywards® . This provides customers with even more flexibility in redeeming their rewards for maximum value.
Fees & Interest Rates
Moving on from the rewards program, this review now turns to fees and interest rates associated with the Citi Premier® Card. This card has an annual fee of $95 and no foreign transaction fees. Additionally, it features a 0% introductory APR for 15 months on purchases and balance transfers after opening an account. The following is a summarization of the relevant charges:
- Annual Fee: $95
- Foreign Transaction Fees: None
- Introductory APR: 0% for 15 Months
- Balance Transfer Fee: 3%, minimum of $5 As can be seen from these figures, there are minimal costs associated with the Citi Premier® Card that may outweigh its advantages depending upon individual circumstances.
Furthermore, users should note that all terms and conditions are subject to change at any time without prior notice. It is therefore important to stay up to date with current information regarding this credit card offering before making a final decision about whether or not to apply.
Pros And Cons
The Citi Premier® Card is an American Express credit card that offers 3x points on travel and entertainment purchases. It also provides a number of additional benefits, including no foreign transaction fees and access to an airport lounge network. This review will discuss the pros and cons of this card in order to help potential users decide if it is right for them.
Pros: The main advantage of the Citi Premier® Card is its generous rewards program. With three times the points earned on travel and entertainment expenses, users can accumulate significant savings quickly. In addition, there are no foreign transaction fees associated with using this card abroad and members have access to more than 1,000 airport lounges around the world through Priority Pass Select membership. Additionally, the bonus point categories cover a wide range of spending areas such as gas stations, supermarkets, restaurants, home improvement stores, select streaming services and more – making it easy to earn rewards from everyday transactions. Lastly, account holders receive complimentary concierge service which can be used for assistance with reservations or other customer service needs.
Cons: As with any credit card product, there are some drawbacks associated with the Citi Premier® Card. Firstly, customers must pay an annual fee for their account which may not be cost effective depending on their individual situation. Furthermore, some merchants do not accept American Express cards so users should take note when travelling internationally or shopping online at certain retailers. Finally, although many transfer partners are available for redemption options outside of cash back incentives; those looking to maximize their earnings by transferring points might find better value elsewhere due to restrictive terms and limited availability of airline/hotel programs associated with Citi ThankYou Rewards Points system.
Overall then, while there are both advantages and disadvantages associated with owning the Citi Premier® Card; individuals who frequently spend money on travel-related activities could benefit greatly from having one in their wallet given its competitive reward structure and wealth of features included in its package
Who Is The Best Fit For This Card?
The Citi Premier® Card is a great fit for those who want to earn rewards on travel. This card offers 3x points on all travel-related purchases, including airfare, hotels, car rentals and more. The card also has no foreign transaction fees, making it ideal for travelers who often go abroad. Additionally, the generous sign up bonus of 60,000 bonus ThankYou® Points can be used towards flights or hotel stays when redeeming through Citi’s travel partners.
In addition to its excellent rewards program, this credit card also features several other benefits such as access to exclusive events and discounts at participating retailers. For example, there are special fee waivers and discounts available with certain airlines like Delta Air Lines and United Airlines. Furthermore, you get complimentary concierge services that help make planning trips easier by assisting with restaurant reservations and booking tickets to shows. All in all, this card is an ideal choice if you’re looking to maximize your rewards while traveling frequently.
Conclusion
The Citi Premier® Card is an excellent travel rewards card for those who often find themselves on the go. With 3x points earned on airfare, hotel stays, car rentals and more, it can be a great way to maximize the earning potential of your travels. The card also offers additional benefits such as access to exclusive dining experiences and discounts at select restaurants and hotels. Furthermore, its low fees and competitive interest rates make it an attractive option for many cardholders.
Overall, the Citi Premier® Card has much to offer frequent travelers looking for ways to earn extra rewards from their trips. It provides generous bonus categories that are well-suited to various types of travel expenses while still offering adequate protection against high interest rates and exorbitant fees. Additionally, its perks like special deals at select restaurants and hotels may make this card even more enticing for those with a preference for luxury accommodations or fine dining experiences.
For individuals who want to maximize their earnings when traveling abroad or within their own country, the Citi Premier® Card should definitely be considered. Its combination of reward opportunities combined with competitively priced fees and interest rates makes this card stand out among other similar options in the market today.