What credit score do I need for the Premier?

A good-to-excellent credit score is generally recommended.

Is the Premier's annual fee worth it?

It charges $95 a year; weigh that against its credits, perks and your rewards.

How do I calculate rewards on the Premier?

Use WalletFlo's reward calculator at /tools/rewards-calc/premier to model net value on your spending.

Premier Review — Rewards, Fees & Benefits (2026) | WalletFlo

Flo Analysis

Computed from live catalog data — where this card ranks, wins, and needs a caveat.

Category standing — vs 1,096 cards in the catalog

Dining

Gas

Groceries

Overview

How this card fits in your wallet — fees, value, and who it's built for.

The Premier from Citi carries a $95 annual fee. On WalletFlo's typical spend profile, the OneCard engine estimates $898.20 in rewards plus $100.00 in credits and perks — $903.20 net per year before welcome bonuses.

How the points work

Redeem points at thankyou.com

Earning rates

Category bonuses from our catalog — verify current offers on the issuer site.

CategoryRate

Dining
3×
Gas
3×
Groceries
3×
Everything elseAirfare
3×
TravelHotels
3×
Everything elseAll Purchases
1×

Welcome offer

60,000 points

Spend $4,000 in 90 days
Est. value: $1,020 (WalletFlo catalog)

Credits & Benefits

Statement credits and perks we model in net-value calculations.

Credits

No statement credits listed for this card

Benefits

Annual Hotel Benefit$100/yr
Get $100 off a single hotel stay of $500 or more, excluding taxes and fees, through thankyou.com, once per calendar year.

Transfer partners

Where this card's points can go, and at what ratio. 20 partners.

Air France KLM Flying Blue1:1
American AAdvantage1:1
Avianca LifeMiles1:1
Cathay Asia Miles1:1
Emirates Skywards5:4
Etihad Guest1:1
EVA Infinity MileageLands1:1
JAL Mileage Bank1:1
JetBlue TrueBlue1:1
Qantas Frequent Flyer1:1
Qatar Privilege Club1:1
Singapore KrisFlyer1:1
Thai Royal Orchid Plus1:1
Turkish Miles&Smiles1:1
Virgin Atlantic Flying Club1:1
Accor Live Limitless2:1
Choice Privileges1:1.5
Leading Hotels of the World Leaders Club5:1
Preferred Hotels I Prefer1:2
Wyndham Rewards1:1

Work out what a transfer is worth in the transfer calculator.

Is the annual fee worth it?

Quick breakeven from stated credits and perks — open the full tool to dig deeper.

Credits & perks vs fee

Annual fee−$95

Stated credits+$0

Perks (est.)+$100

Net after credits & perks$5

Verdict

Credits & perks offset the fee on paper

Only valuable if you'd use those credits anyway — rewards on spend can close any remaining gap.

Full Analysis Rewards Calculator

Flo calculator tools

Micro-tools for this card — each opens a dedicated calculator with your context pre-filled where possible.

Reward Calculator

Estimate annual rewards and net value on your spend.

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Side by Side Compare

Compare against another card with the same spend profile.

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Is the Annual Fee Worth it?

See if credits and perks offset the annual fee.

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Points & Miles → $ Converter

Convert points and miles to estimated cash value.

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Awards vs Cash Calculator

Compare redeeming points for travel vs cash back.

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Transfer Partner Calculator

Explore transfer partner conversions across programs.

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Rewards Calculator

Model this card on your spend — adjust categories and compare with others.

$903/yr

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Estimates for illustrative purposes. See methodology

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FAQ's

Issuers generally look for good-to-excellent credit; exact thresholds vary.
See the annual fee analysis above, or open the full calculator to model credits and perks against $95 per year.
Use the rewards calculator above — set your monthly spend by category and the engine models net annual value on this card server-side.