Citi® Double Cash Card: The Ultimate Cash Back Credit Card

The Citi Premier® Card stands as one of the best travel rewards credit cards out there today. It’s meant for points enthusiasts who want to maximize travel rewards on everyday spend. You earn 3X ThankYou® Points on air travel, hotels, restaurants, supermarkets, and gas stations with this card, so it’s a great option if you travel often or like to eat out.

Not only does the Citi Premier® Card have a great rewards over here, but it also offers a welcome bonus of 80,000 ThankYou® Points, after spending $4K in three months from opening the account — these points can be redeemed for travel, gift cards or even can be transferred to airline partners.

The card’s standout feature is $100 annual hotel savings (when booking a stay of $500 or more) when you book through ThankYou. com, which helps forgive its affordable yearly fee.

Whether you want to get the most out of your travel-game or just earn useful rewards on common expenses, the Citibank Premier® Card is a great option.

The best things about the Citi Premier® Card

Best Reward Rates for Everyday Spending Categories

✅ Citi Premier® Card Summary & Top Benefits

💳 1. Elevated Reward Rates on Core Spending Behaviors

Citi Premier® Card 3X ThankYou® Points on airfare; hotels; restaurants; supermarkets; gas stationsThis is another biggie for daily spending. Few travel cards provide such a rich rewards structure in so many important categories.

🎁 2. Generous Welcome Bonus

NOTE: Current cardholders are eligible only for a one-time bonus offer; new ones can earn 80,000 ThankYou® Points after spending $4,000 in the first three months. Each of these points is worth about $800 toward travel or gift cards, giving you a fantastic start with the card.

🔄 3. Transfer Options and Flexible Point Redemption

When it comes to thank you cards, people have the ability to redeem them for fruit or flight, complimentary hotel trips, gift cards, or send them to dozens of partners who fly airlines. That flexibility makes it a powerful weapon in the arsenal of anyone seeking to maximize travel rewards.

🏨 4. Annual $100 Hotel Credit

Every time you use ThankYou. com that can help reduce the cost of travel, making the card’s annual fee worth paying if you travel regularly.

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Cons of the Citi Premier® Card

$95 Annual Fee

The Citi Premier® Card earns high rewards and benefits, but the trade-off is its $95 annual fee. Still, the benefits you will receive from the rewards, welcome bonus, and hotel credit can quickly exceed this price.

No Travel Insurance Benefits

The Citi Premier® Card does not offer trip cancellation or interruption insurance, unlike some premium travel cards. But, the earning power and flexible points redemptions more than make up for this limitation.

How to Get the Citi Premier® Card

A Simple Guide to the Citi Premier® Card

Applying for the Citi Premier® Card is a simple process and approval usually requires good to excellent credit (700+ FICO Score). Before applying, however, it’s wise to check your credit score and have your financial information in order for a streamlined application.

This card is perfect for those who want to maximize travel rewards and earn valuable points on their daily spending. The application is completed online, and Citi tends to be able to give most applicants an instant decision. If you need further review you can expect an update in a few days.

How to Apply for the Citi Premier® Card: 5 Simple Steps

1️⃣ Check Your Credit Score – Make sure your FICO score is at least 700 to stand a good chance of being approved.

2️⃣ Visit Citi’s website – Go to the Citi official website and navigate to the Citi Premier® Card application page.

3️⃣ Fill Out the Application Form – Enter personal information, employment details, and income information.

4️⃣ Apply – Fill in all details correctly and submit the form, afterwards, await an approval decision.

5️⃣ Receive and Activate Your Card — Your card will be mailed to you if you get it, and you can activate it online or on the Citi mobile app.

Bottom Line: Is the Citi Premier® Card Worth It?

The Citi Premier® Card is a great pick for anyone who wants to earn high rewards rates on everyday spending in addition to valuable travel perks. The 3X ThankYou® Points earned in the food, travel and other key spending categories, coupled with the 80,000-point welcome bonus, will make it a competitive offering for travel reward savers.

And its $100 annual hotel credit goes a long way to help offset the $95 annual fee, making this card all the more enticing. Although it doesn’t offer travel insurance benefits, its robust point-earning structure and flexible redemption options compensate for this absence.

Overall, if you want a top-tier powerful rewards card that makes the most of both your everyday spending and your travels, the Citi Premier® Card provides fantastic value. 🚀