Citi Premier Card: Features and Benefits


For those who are in a jet-setting lifestyle or frequently travel, the Citi Premier Card can be one of the best credit cards that you can get. It can boost savings when it comes to flights and hotels, and there are heaps of rewards. However, there’s an annual fee of $95, and this is something that you need to know before signing up.

Citibank began its earlier years in 1812 in New York, and it remains one of the most renowned institutions in finance even today. Up until now, it’s still impeccable in terms of services, and it has lots of products, including savings accounts, debit, and credit cards. See more about its history on this site here.

What are the Highlights to Know About?

For those who are new users, you can get 60,000 worth of bonus points when you’re able to spend around $4,000 within three months of opening your account. You can also earn up to 10x the rates when you book a car abroad or locally, as well as when you’re staying in hotels through the platform or portal of the bank. You can earn 3x in gas stations, supermarkets, restaurants, and your daily merchants, and it’s going to be 1x for other qualified buys on partner stores.

It’s very versatile, and you can redeem the points for extra nights in hotels and trips abroad. There are also other perks such as zero fees on foreign transactions, and you can save around $500 or more on staycations and resorts. With this in mind, the annual fee can be worth it if you’re always traveling abroad for work or leisure.

Why Should You Get It?

Customers who want to recoup some of their expenses from traveling can find that Citi has a more reasonable fee compared to others. You can check the Citi Premier Credit Card Overview in the link provided for more information about how you can take advantage of these perks. Other reasons why it can be beneficial for you are the following:

  1. Get Protection for your Expensive Buys

When you buy something through the Thank You Points or Citi Card limit, you can get protected if you notice that the thing is damaged, or it has been stolen within 90 days of the delivery date. There can be reimbursements or repair credits that can be paid, and this amounts to ten thousand dollars per incident. An extended warranty of up to two years can also be enjoyed by the holders as long as the item is eligible.

  1. Security is Paramount with the Provider

Any unauthorized charges made by a thief or if a specific transaction is proven to be a fraud, you won’t have to pay anything. There’s the zero-liability policy that’s enforced, and with just a single click, you can block other purchases without needing to call customer service.

You can block online and contact your provider afterward to make sure that no additional items will be purchased under your name. Virtual account numbers can also be generated, and they are going to replace the real ones temporarily while you’re shopping online.

  1. Utilize the Points Earned

You can redeem the cash back, and other rewards with a value of 1 cent a point and this can be applied to your next bill statement. Others are going to send you a check through the mail or do a direct deposit if this is something that you prefer. See the post about the rewards at this link:

Shop at Amazon or Best Buy or with other partners if you want. As long as the merchants can accept PayPal payments, you can usually use your cards with them.

  1. Transfer Partners with Airlines

Get partnered with AeroMexico, Avianca Life Miles, Cathay Pacific Asia, Emirates Skyward, Etihad, Guest, EVA Air, JetBlue, Thai Royal Orchid Plus, Turkish Airlines Miles and Smiles, and Wyndham Rewards. Transfer rates are at an all-time high of 1:1, so this is something that you should take advantage of.

There are also cash equivalent redemptions for those who want to pay their utilities and other bills. Tap into the rewards and get a 0.5 to 1 cent for each value point. For gift cards, you have the opportunity to convert your one cent into these or make it as a charitable contribution. Statement credits, direct deposits, and checks by mail can also be redeemed with the points.

Other Advantages to Know About

Other Advantages to Know About

Get additional benefits by being the first to know about presale tickets, sporting events, and excellent concerts. As long as you keep your account active, the points don’t expire as well, and you can transfer some of it to another Citi Premier cardholder without getting charged.

This is the right choice for you if you want to get a lot of points and a huge welcome bonus that can help you with travel. Also, please note that these features can change at any time, so the details are only accurate as of the published date.

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