Reasons to Love Citi’s Premier Card

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Citi Premier℠ Card

This $95 annual fee ($0 the first year) card is underappreciated for its cost, its earning power, and for its bonus. And Citi points are transferable to a variety of different airline programs including some that don’t partner with Chase or Amex.

Great Signup Bonus With No Annual Fee the First Year

Citi Premier℠ Card is offering a 50,000 point signup bonus after $4000 in purchases on the card within your first 3 months of account opening.

What we’ve seen most of the time has been either a 30,000 point bonus or no signup bonus at all.

This is a great bonus for a card with transferable points and with a $0 annual fee the first year, comparable to the Chase Sapphire Preferred Card though I do value Chase points ahead of Citi points.

Earns Transferable Points Fast

Citi Premier℠ Card earns three points on travel including gas stations and two points on restaurants and entertainment. The entertainment category is not just things like movies and converts several readers have told me some wineries even code this way.

Unique Points Transfer Partners

Not all ThankYou points transfer to airline miles, for instance points from checking accounts and no annual fee Citi ThankYou points-earning cards do not.

However points from the Citi Premier℠ Card
transfer one-to-one to a variety of frequent flyer programs or can be spent directly at 1.25 cents apiece towards airfare on any airline or redeemed for 1 cent apiece for gift cards.

This card’s Citibank ThankYou points transfer to:

  • Star Alliance: Singapore Airlines KrisFlyer, EVA Air Infinity MileageLands, Thai Airways Royal Orchid Plus, Turkish Airlines Miles&Smiles, Avianca LifeMiles
  • SkyTeam: Air France-KLM, Garuda Indonesia GarudaMiles
  • oneworld: Cathay Pacific Asia Miles, Malaysia Airlines Enrich, Qatar Airways Privilege Club, Qantas Frequent Flyer
  • Non-alliance: Etihad Airways Guest, Virgin Atlantic Flying Club, jetBlue, Jet Airways JetPrivilege


Etihad A380 First Apartment

My favorite transfer partner choices do overlap Chase and American Express:

  • Singapore Airlines KrisFlyer for better premium cabin award space than is offered to partners, upgrades from premium economy to business, and United domestic premium awards)
  • Etihad Guest for Etihad premium cabin awards, American Airlines awards at cheap prices
  • Air France KLM Flying Blue for better availability on Air France than is offered to partners and Air France arguably has the best transatlantic business class now
  • Cathay Pacific AsiaMiles for distance-based premium cabin awards on Cathay
  • Virgin Atlantic Flying Club for ANA first and business class roundtrips to and from Japan


Singapore Airlines A380 Suites

Virgin, Singapore, and Air France are duplicated by both Chase and American Express, and Cathay Pacific and Etihad are duplicated by American Express. However there are niche reasons to transfer to other partners like Qantas and Garuda as well.

And this duplication is a huge benefit rather than a downside to the card. It means you can sign up for a Citi Premier℠ Card and a Chase Sapphire Preferred Card and put the points from each into the same place so that you can redeem for better travel for yourself or have enough points to travel with someone.

Some Things to Consider With Citi Cards When Choosing to Apply

Citibank doesn’t have a hard limit on the number of their cards you can have though of course how much credit they’ll make available for each person will vary.

After you apply for one card they’ll consider another application from you 8 days later, but you can’t apply for more than 2 cards in 65 days.

Generally Citi will give you the bonus on a new card account if you haven’t received a bonus or closed a card in that product’s family in the past 24 months.

Bonus ThankYou® Points are not available if you received a new cardmember bonus for Citi Rewards+℠, Citi ThankYou® Preferred, Citi ThankYou® Premier/Citi Premier℠ or Citi Prestige®, or if you have closed any of these cards, in the past 24 months.

Citi Premier℠ Card

About Gary Leff

Gary Leff is one of the foremost experts in the field of miles, points, and frequent business travel - a topic he has covered since 2002. Co-founder of frequent flyer community InsideFlyer.com, emcee of the Freddie Awards, and named one of the "World's Top Travel Experts" by Conde' Nast Traveler (2010-Present) Gary has been a guest on most major news media, profiled in several top print publications, and published broadly on the topic of consumer loyalty. More About Gary »

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Editorial note: any opinions, analyses, reviews or recommendations expressed in this article are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by any card issuer. Comments made in response to this post are not provided or commissioned nor have they been reviewed, approved, or otherwise endorsed by any bank. It is not the responsibility of any advertiser to ensure that questions are answered, either. Terms and limitations apply to all offers.

Comments

  1. Is the ability to use points at the rate of 1.25 on airfare remaining after September? If so, would this mean that having this card along with the Citi Prestige card and having the accounts combined mean that one could continue to use the points earned from a Citi Prestige card at this rate after September?

  2. This card had a 60k point public offer for several months a few months back….. *highest offer I’ve ever seen*

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