A Look at the Citi Premier Benefits and Perks – Worth More Than Just the 50,000 Citi ThankYou Point Bonus

I have the Citi Premier℠ Card.  I originally opened it for 2 reasons:

The sign-up bonus (currently worth at least $625 in travel), which you’ll earn after meeting minimum spend requirements
The bonus miles on gas (an effective 3.75% back in travel rewards at gas stations)

But the card has other ongoing benefits that are helpful to travelers, too, besides all those Citi ThankYou points you can earn.  I’ll spell out the most important card benefits of the Citi Premier to help you decide if it’s worth opening (and keeping!).
The Citi ThankYou points I earned with this card made my Mexican adventure even cheaper
Citi Premier Benefits and Perks
Apply Here:   Citi Premier℠ Card
Read our review of the Citi Premier℠ Card

When you sign-up for the Citi Premier card, you’ll earn 50,000 Citi ThankYou points after spending $4,000 on purchases within the first 3 months of account opening.
The points you earn are flexible, which means you can use them in several different ways.  Perhaps the most popular is by transferring your points to any of Citi’s airline partners, such as:

Avianca
Etihad
Flying Blue (Air France / KLM)
JetBlue
Singapore Airlines
Virgin Atlantic

This can be of great value.  For example, you can book a round-trip coach flight to Hawaii on United Airlines by transferring 35,000 points to Singapore Airlines.
Or, you can use the points to book travel through Citi’s ThankYou travel portal, where they’re worth 1.25 cents each toward flights, hotels, rental cars, and cruises.  That means this sign-up bonus is worth – at a minimum – $625 in travel (50,000 points X 1.25 cents per point).  That’s a great deal, considering the annual fee is waived the 12 months!
I used Citi ThankYou points to cover the rental car during my visit to Cancun.  That way I had more money for sensible purchases like an exorbitantly priced Mexican palm leaf straw fedodo.
You only YOLO once
This bonus is a one-time thing, though.  It’s not an ongoing bonus.  Here’s what you can expect year after year when you open the Citi Premier.
Solid Earning Rate for Road Warriors
With the Citi Premier, you’ll earn:

3 Citi ThankYou points per $1 spent on travel including gas stations (also including airfare, hotels, car rental agencies, parking, tolls, and much more)
2 Citi ThankYou points per $1 spent at restaurants and on select entertainment (like amusement parks, museums, sporting events, movies, and more)
1 Citi ThankYou point per $1 spent on all other purchases

Earning 3 Citi ThankYou points is like earning 3.75% back towards travel.  That’s because you can redeem Citi ThankYou points through Citi’s online portal for 1.25 cents each toward airfare, hotel, rental car, etc (3 Citi ThankYou points X 1.25 cents each = 3.75 cents).
When I signed-up for the Citi Premier, I was driving 3 hours per day for work.  Because of the generous travel earning rate (including gas stations), I earned ~10,500 points my first year on gas alone.
Baggage Delay Insurance
If you pay for your ticket at least in part with your Citi Premier card (or with Citi ThankYou points), you and your immediate family will receive up to $100 each if your bags are delayed 6+ hours.  Your immediate family will even be covered if you aren’t with them!
This benefit isn’t as generous as other cards like the Chase Sapphire Preferred, which can give you up to $500 per traveler for delayed bags.  You can read more about that here.
Trip Delay Insurance
Again, when you pay for your ticket with either your Citi Premier or ThankYou points, you’ll be covered in the event of a trip delay of 12+ hours.  You and your immediate family can receive up to $500 for reasonable expenses like hotels, meals, and transportation!
Trip cancellation & interruption
You may also be reimbursed up to $5,000 per covered traveler per trip if your trip is canceled or interrupted for certain reasons pertaining to illness, personal matters, or travel or weather issues such as:

Becoming too ill to travel (with proof from a medical practitioner)
Getting laid off or fired from your job
Getting killed
Severe weather causes all travel to stop for at least 24 hours to or from your destination

Hopefully you’ll never have to use this, but it’s nice to know you have it!
Citi Price Rewind

Citi Price Rewind is a unique perk you’ll find on all Citi personal cards.  When you pay for registered items at certain online merchants, Citi automatically checks for a lower price at other merchants.  If they find the same item at a lower price within 60 days of your initial purchase date, you may receive a credit for the price difference!  To be eligible for coverage, you must pay for the item at least in part with your Citi card.
Harlan uses Earny to completely automate his Citi Price Rewind claims.  It’s especially helpful for tracking price drops on Amazon!
Harlan makes good use from his Price Rewind benefit. Depending on how much you purchase, this benefit alone could make up for the annual fee!
You’re limited to a reimbursement of $200 per item.  And the maximum coverage is $1,000 per calendar year.

Citi Private Pass
Citi Private Pass allows you to purchase tickets to events like concerts and sports before they’re released to the public.  You can even buy special VIP packages, depending on the event you plan to attend.

Extended Warranty

By paying for an eligible item with the Citi Premier card, you can extend the manufacturer’s warranty by an additional 24 months (total coverage between both the manufacturer’s warranty and extended warranty cannot exceed 84 months).
Citi’s Extended Warranty Coverage is a good way to protect your big-ticket purchases, like a giant TV!
Check out the complete Guide to Benefits to check exclusions and to learn how to file a claim.
Bottom Line
The more you know about your credit card benefits, the more cash you can save.  If you truly use every perk that comes with the Citi Premier, it’s an absolute no-brainer.
The Price Rewind feature can save you cash if the item you purchased drops in price within 60 days of your purchase.  The travel benefits cover you as long as you pay at least in part with your Citi Premier.
And that’s not to mention the solid earning rates you’ll receive on travel and gas stations, along with the sign-up bonus worth $625 in travel!
Let me know what you think about the Citi Premier benefits and perks below.  Is it worth keeping?
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Forget the Crazy Sign-Up Bonus – Check Out These 7 Great Benefits of the Citi ThankYou Premier

When you sign-up for the Citi ThankYou® Premier Card, you’ll earn 60,000 Citi ThankYou points after spending $4,000 on purchases within the first 3 months of account opening.
This is the best offer we’ve seen for this card!  The points you earn are transferable, which gives you more flexibility by letting you access Citi’s airline partners.  And it’s an excellent reason to open the card.
But after the alluring welcome bonus, does the card have solid enough benefits to stay in your wallet?  For most folks, it’s MORE than worth keeping year after year.
You can apply for the Citi ThankYou Premier here.
You Could Save Thousands With the Citi ThankYou Premier With a 1 Unfortunate Incident During Your Trip
I’ll show you why these perks can easily offset the card’s annual fee and save you a bundle each year.
Top Benefits of the Citi ThankYou Premier
Apply Here:   Citi ThankYou® Premier Card 
Our Review:   Citi ThankYou Premier’s Best-Ever Offer Is Worth at LEAST $750 Toward Travel!

In addition to the valuable sign-up bonus, there are other ongoing benefits that make the Citi ThankYou Premier worth keeping long term.  The card’s benefits were tweaked on July 29, 2018.  So you can check the Guide to Benefits if you’ve not reviewed it yet!
Here are the standout benefits of the card.
Citi Price Rewind

Citi Price Rewind is a unique perk you’ll find on all Citi personal cards.  When you pay for registered items at certain online stores, Citi will automatically check for a lower price at other merchants.
If Citi finds the same item at a lower price within 60 days of when you purchased an item, you may receive a credit for the price difference!  To be eligible for coverage, you’ll need to pay for the item at least in part with your Citi card.
Team member Harlan uses this perk ALL THE TIME.  He uses Earny to completely automate his Citi Price Rewind claims.  He says it’s handy for tracking price drops on Amazon.
Most of the price rewind refunds are small, but those can add up fast!  Honestly, it’s entirely possible to offset the Citi ThankYou Premier‘s annual fee with this benefit alone.
My Boy Harlan Be Shoppin’
Coverage is limited to the lesser of $200 or the amount charged to your card.  And the maximum coverage is $1,000 per calendar year.

Extended Warranty

When you pay for an eligible item with the Citi ThankYou Premier, it’s possible to extend the manufacturer’s warranty by an additional 24 months (total coverage between both the manufacturer’s warranty and extended warranty cannot exceed 84 months).  That’s better than a LOT of other cards.
Here’s a chart to see how Citi extends your warranty.
You Can Extend the Manufacturer’s Warranty on Eligible Items by up to 24 Months
Coverage is limited to the lesser of the following:

The cost to repair or replace the item
The purchase price of the item
The amount charged to the Citi Card (including ThankYou Points)
$10,000 per item

There are several excluded purchases, like cars, tires, plants, animals, etc.  You can check the complete Guide to Benefits to check exclusions and to learn how to file a claim.
90 Day Return Protection
If you try to return an item within 90 days of when you purchased it and the merchant won’t take it back, Citi may refund you up to $300 per item, up to $1,000 total per year.  Just make sure you pay in full with your Citi ThankYou Premier or with Citi ThankYou points.
This benefit can only be used for items you buy in the US.  So if you find a lower price on those Russian Nesting Dolls you purchased from that gypsy in Red Square, Citi won’t accept your claim.
90 Day Return Protection has similar restrictions to Extended Warranty benefit.  There are several items that don’t qualify.  Again, you can read the benefits guide for a full list.
Travel Coverage
When you pay for travel with your Citi ThankYou Premier, including award flight taxes & fees, you’ll be covered for lots of awful possibilities.  To qualify for these benefits, you’ll need to pay for at least a portion of your common carrier fare (planes, trains, cruises, ferries) with your Citi ThankYou Premier.
Airlines, Trains, Cruises, and Ferries Are All Considered “Common Carriers”
You and your entire family traveling with you can be covered with these perks!  As a matter of fact, your family members are insured even if you’re NOT traveling, so long as you pay with your card.
These benefits are secondary, so if the common carrier reimburses you for anything, this will only kick in for the things they don’t cover.
Trip Delay Insurance
You’ll get up to $500 per covered traveler to pay for things like meals, ground transportation, and hotels if your trip is delayed 12+ hours.  You can even buy other necessities, like toiletries, and have those reimbursed.
Trip delay insurance will kick in for reasons like:

The airline decides to cancel or delay your flight
Your passport, money, or other critical documents are lost or stolen
There is severe weather or natural disaster
Pilots go on strike and ruin your itinerary

Baggage Delay / Lost Baggage Insurance
You’ll get up to $100 per covered traveler if your bags are delayed 6+ hours.
And if the common carrier straight up loses your bag, each covered traveler can receive up to $3,000 per trip (New York residents are covered for $2,000 per bag), up to $10,000 in total for all covered travelers.
If Your Bags Haven’t Been Lost or Delayed, It’s Only a Matter of Time!
Trip Cancellation & Interruption Insurance
You may be reimbursed up to $5,000 per trip if the trip is cancelled or interrupted.  An eligible reason would be:

A medical professional advises you not to travel due to injury or sickness
You’re laid off or fired from your job
You die
Severe weather halts all travel to your destination for 24 hours

Just make sure you notify your common carrier as soon as possible that you’re canceling or changing your plans.
Having automatic travel protection is a fantastic perk that can save you a lot of money.  But hopefully you’ll never have to use it!
Car Rental Insurance
Wrap your rental car around a tree?  You’re covered up to $50,000 toward the cost of repairs or the cash value of your rental car, whichever is less in the event of a covered accident or theft.
There are a couple super important details here.
First, this coverage is secondary in the US.  So if you have auto insurance, this will only cover what your personal insurance doesn’t.  But internationally, the coverage is primary.
Also, the length of your rental car agreement must be no more than 31 days.
Nothing Sickens Your Stomach More Than Damaging Your Rental Car
You’re covered for the following misfortunes:

Your car is damaged in an accident or natural disaster
Your car is vandalized
Your car is stolen

Credit card rental insurance has save me THOUSANDS in the past.  I scraped my car against a pole, and my credit card reimbursed me the full amount the rental agency charged me (well over $2,000!).
Bottom Line
If you use the full spectrum of benefits that come with the Citi ThankYou Premier, you shouldn’t have any trouble justifying the annual fee.  Just make sure you don’t have other cards in your wallet that already come with benefits like this.  You don’t want to continue to pay more annual fees than you need to!
Citi Price Rewind can save you up to $1,000 per year, depending on how much you shop.  And with the primary insurance for international rental cars, you’ll avoid spending ~$15 per day on the rental agency’s in-house coverage.  Which can add up quickly!
I definitely recommend at least trying out the Citi ThankYou Premier card.  You’ll earn 60,000 Citi ThankYou points after spending $4,000 on purchases within the first 3 months of account opening.  And its $95 annual fee is waived the first 12 months, so you don’t have anything to lose!

This 60,000-Point Offer Can Get You an Easy $750 in Travel (or Much More When You Transfer to Airlines!)

Did you miss the best-ever offer on one of our favorite flexible points cards?  Right now, you can earn 60,000 Citi ThankYou points when you open the Citi ThankYou® Premier Card and spend $4,000 on purchases within the first 3 months of opening your account.
That’s the highest public bonus we’ve seen on the card.  And it’s 10,000 points MORE than the last time this card had a sign-up bonus!  If you spend a lot on travel, gas, dining, or entertainment, you’ll want to consider this offer, because these bonus categories can really boost your points balance quickly.
And you don’t have to be an miles and points expert or spend hours poring over award charts to make the most of this bonus.  60,000 Citi ThankYou points are worth an easy $750 toward paid travel through the Citi ThankYou travel portal, including flights, hotels, rental cars, and cruises.
But you can get potentially much more value when you transfer points to airline partners like Singapore Airlines and Flying Blue.
You can apply for the Citi ThankYou Premier card here.  
Use the Citi ThankYou Premier’s 60,000-Point Bonus for $750 in Flights. Or Transfer the Points to Partners to Visit Incredible Cities, Like Paris!
I’ll share my full review of this card, and help you decide if you should apply!
The Citi ThankYou Premier Sign-Up Bonus Is Worth at LEAST $750 Toward Travel!
Apply Here:   Citi ThankYou® Premier Card 

When you sign-up for the Citi ThankYou Premier card, you’ll earn 60,000 Citi ThankYou points after spending $4,000 on purchases within the first 3 months of account opening.
This is the best offer we’ve seen for this card!  The points you earn are transferable, which gives you more flexibility by letting you access to Citi’s airline partners.
Or, you can use the points to book travel through Citi’s ThankYou travel portal, where they’re worth 1.25 cents each towards flights, hotels, rental cars, and cruises.  That means this sign-up bonus is worth – at a minimum – $750 (60,000 points X 1.25 cents per point).  That’s a great deal, considering the annual fee is waived the 12 months!
Or, you can transfer points to Citi’s travel partners, including Flying Blue (the loyalty program for Air France and KLM), Singapore Airlines, and Virgin Atlantic.
Citi ThankYou Points Add up Quick!  I’ve Used Them to Visit Several Cities in Europe, and Got to Stroll Around the Canals in Amsterdam
I’ve personally transferred Citi ThankYou points to travel partners to take my family to Hawaii, fly to Europe on Brussels Airlines, and hop between Prague and Brussels for my flight home.
Having more flexible points is always a good thing!  And even if you use the points to cover $750 worth of flights, that’s still a fantastic deal.

How to Earn Points With the Citi ThankYou Premier Card

The points add up fast with the Citi ThankYou Premier card.  Especially if you spend a lot on travel, dining, or entertainment.  That’s because you earn:

3 Citi ThankYou points per $1 spent on travel including gas stations (also including airfare, hotels, car rental agencies, parking, tolls, and much more)
2 Citi ThankYou points per $1 spent at restaurants and on select entertainment (like amusement parks, museums, sporting events, movies, and more)
1 Citi ThankYou point per $1 spent on all other purchases

Rack up 3X Citi ThankYou Points on Travel, Including Gas Stations!
For example, if you completed the $4,000 minimum spending requirement with travel and gas purchases, you’d earn the 60,000-point bonus and 12,000 more points ($4,000 X 3), for a total of 72,000 Citi ThankYou points.  That would be worth at least $900 for travel (72,000 points X 1.25 cents per point)!
Team member Jasmin uses this card every time she fills up her gas tank.  Of course, only when other cards don’t have better quarterly category bonuses!
If you have a big family or commute to work, you can earn a ton of points on gas alone.

How to Use Your Citi ThankYou Points

Link:   How to Transfer Citi ThankYou Points to Airlines
Currently, you can transfer Citi ThankYou points to:

Avianca
Asia Miles (Cathay Pacific)
EVA Air
Etihad Guest
Flying Blue (Air France / KLM)
Garuda Indonesia
Jet Airways
JetBlue
Malaysia Airlines
Qantas
Qatar Airways
Singapore Airlines
Thai Airways
Turkish Airlines
Virgin Atlantic

Citi ThankYou points transfer at a 1:1 ratio with all of the above partners except JetBlue (5:4 ratio).   All transfers must be in 1,000-point increments.
Use Citi ThankYou Points for Award Flights to Hawaii Via Flying Blue or Singapore Airlines
With 60,000 Citi ThankYou points, you could:

Fly 3 people between New York and Vancouver on Cathay Pacific for 20,000 Asia miles round-trip in coach
Visit Hawaii on United Airlines flights booked with 35,000 Singapore Airlines miles round-trip in coach
Hop around Europe on Brussels Airlines for 5,000 or 7,000 Etihad miles each way (and get up to 12 award flights!)
Fly 3 people to London from Boston, Newark, New York-JFK, or Washington, DC, for 20,000 Virgin Atlantic miles round-trip in coach during off-peak season

But it doesn’t even have to be that complicated!
With the Citi ThankYou Premier, you can book paid flights, hotels, rental cars, and cruises through the ThankYou travel portal.  There, your points are worth 1.25 cents each.  There are no blackout dates or hard-to-find awards – just book your travel with points as if you were paying cash.
And when you book flights this way, you’ll also earn frequent flyer miles because it’s treated like a cash ticket!
Depending on the price of the flights you want, your dates, and if you can find award seats, you might decide to use your Citi ThankYou points this way because you won’t have to think about blackout dates or searching for awards.

Benefits of the Citi ThankYou Premier Card

In addition to the valuable sign-up bonus, there are other ongoing benefits that make the Citi ThankYou Premier card worth keeping long-term.
Citi Price Rewind

Citi Price Rewind is a unique perk you’ll find on all Citi personal cards.  When you pay for registered items at certain online merchants, Citi will automatically check for a lower price at other merchants.
If Citi finds the same item at a lower price within 60 days of your initial purchase date, you may receive a credit for the price difference!  To be eligible for coverage, you must pay for the item at least in part with your Citi card.
I Shop on Amazon Constantly and Regularly Save a Few Bucks Here and There With Citi Price Rewind
Coverage is limited to the lesser of $200 or the amount charged to your card.  And the maximum coverage is $1,000 per calendar year.
I personally use Earny to completely automate my Citi Price Rewind claims.  It’s especially helpful for tracking price drops on Amazon!

Extended Warranty

By paying for an eligible item with the Citi ThankYou Premier card, you can extend the manufacturer’s warranty by an additional 24 months (total coverage between both the manufacturer’s warranty and extended warranty cannot exceed 84 months).
Protect Your Big Purchases With Citi’s Extended Warranty Coverage. Especially Expensive Electronics!
You can check the complete Guide to Benefits to check exclusions and to learn how to file a claim.
Travel Coverage 
When you pay for travel with your Citi ThankYou Premier card, including award flight taxes & fees, you’ll get these coverages:

Baggage delay – Get up to $100 per covered traveler if your bags are delayed 6+ hours
Trip delay – Get up to $500 per covered traveler to pay for meals and hotels if your trip is delayed 12+ hours
Trip cancellation & interruption – You may be reimbursed up to $5,000 per covered traveler per trip if the trip is cancelled or interrupted for an eligible reason

Having automatic travel protection is a fantastic perk that can save you a lot of money.  But hopefully you’ll never have to use it!

Is the Citi ThankYou Premier Card Worth the Annual Fee?
The card has a $95 annual fee, which waived for the first 12 months.  This means you can test out the card for ~11 months and decide if it’s worth keeping for another year.
If you spend a lot in the bonus categories, and like the ways to redeem your points, it’s worthwhile to hang on to this card long-term.  Or, if you want to keep a card with price protection and extended warranty coverage, this one makes it easy to use those benefits.
Does the Citi ThankYou Premier card have a foreign transaction fee?
No.
Who Is Eligible for the Citi ThankYou Premier Card?

Link:   Citi Rules Restrict Sign-Up Bonuses to Once per “Brand” Every 24 Months
Remember, Citi will NOT let you earn the sign-up bonus from more than one personal card of the same “brand” within 24 months.
Citi says:
Bonus ThankYou Points are not available if you have had a ThankYou Preferred, ThankYou Premier or Citi Prestige card opened or closed in the past 24 months.
So if it’s been less than 24 months since you opened or closed the Citi Prestige® Card, Citi ThankYou® Preferred Card, or Citi ThankYou® Premier Card, you aren’t eligible to earn the bonus.
Customer Support for the Citi ThankYou Premier Card
Citi has great fraud protection and monitor your accounts for suspicious activity.  Team member Jasmin has gotten texts to confirm if she made certain purchases.
And I’ve found hold times to be short when I’ve had to call Citi.  Every time, customer support has been thorough and professional, even when I’ve asked detailed questions about travel rewards or card benefits.
Credit Cards Similar to the Citi ThankYou Premier Card
If you’re just starting out with miles & points, or looking to open a card that earns transferable points, I recommend the Chase Sapphire Preferred.  That’s because it earns bonus points in similar categories, including 2X Chase Ultimate Rewards points on travel and dining.
If You Love to Travel, There Are Other Cards to Consider First, Like the Chase Sapphire Preferred, Which Has 2 of the Same Bonus Categories
Also, you can also transfer your points to Chase’s excellent travel partners, like British Airways, Hyatt, or United Airlines.  And, like the Citi ThankYou® Premier, points are worth 1.25 cents each when you book travel through Chase.  Both cards even have the same $95 annual fee – and they’re both waived the first year.
If you want a super premium card with even more travel benefits, consider the Chase Sapphire Reserve.  It has a $450 annual fee.  But the outstanding perks can more than offset it, especially if you love to travel!
Bottom Line
We don’t know how long this best-ever sign-up bonus of 60,000 Citi ThankYou points after meeting minimum spending requirements will be available with the Citi ThankYou® Premier Card.  So if you’re interested, I recommend applying sooner rather than later!
Each point is worth 1.25 cents when you book travel through Citi.  So this offer is easily worth $750 toward travel.  And potentially much more when you transfer points to Citi’s travel partners, like Flying Blue or Singapore Airlines.
Remember, you’ll also have access to perks like Citi Price Rewind for price protection, and extended warranty protection.  Those can come in handy for big ticket purchases like expensive electronics!
The $95 annual fee is waived the first year.  And if you spend a lot in the bonus categories, which include travel, gas stations, dining, and entertainment, it could be worth keeping year after year.
The most similar card is the Chase Sapphire Preferred, which is the one I recommend for beginners.
You can apply here for the Citi ThankYou Premier card.  Will you take advantage of this valuable sign-up offer?