How to Get the Citi Premier®

In this guide, you’ll learn exactly how to apply for the card, what to expect during the process, and tips for improving your chances of approval.

Why Choose the Citi Premier® Card?

Before diving into the application process, it’s helpful to understand why the Citi Premier® Card is worth considering. Here are a few of the top benefits:

• Earn 3X points on air travel, hotels, gas stations, restaurants, and supermarkets

• Earn 1X point on all other purchases

• 60,000 bonus ThankYou® Points after spending $4,000 within the first 3 months (equivalent to $600 in travel)

• No foreign transaction fees

• Annual fee of $95, which is offset by the rewards potential

Now that you know what makes the card attractive, let’s move on to how to actually get it.

Step 1: Check Your Credit Score

First and foremost, you should check your credit score.

Most successful applicants for the Citi Premier® Card have good to excellent credit—typically a score of 700 or higher.

You can check your score for free through various financial apps or websites.

Tip: If your score is below 700, consider improving your credit before applying.

This can include paying down debt, making on-time payments, and reducing credit utilization.

Step 2: Review the Card’s Terms and Requirements

Next, go to the official Citi website to review the latest card terms, including:

• Annual fee

• APR (Annual Percentage Rate)

• Sign-up bonus details

• Reward categories

Understanding these details in advance ensures there are no surprises later on.

Step 3: Gather Your Information

Before you apply, gather the necessary information. You’ll typically need:

• Full name and contact information

• Social Security number

• Employment details and income

• Housing status and monthly payment

Having this information ready will make the application process faster and smoother.

Step 4: Apply Online

Now, it’s time to apply. The most efficient way to apply for the Citi Premier® Card is online.

Visit the Citi website and click on “Apply Now” on the card’s page.

The application usually takes just a few minutes to complete.

Once submitted, you may receive an instant decision.

However, in some cases, Citi may take a few days to review your application.

Step 5: Wait for Approval (and Monitor Your Email)

If your application is approved, you’ll receive your new Citi Premier® Card in the mail within 7–10 business days.

While you wait, keep an eye on your email for any updates or requests for additional information.

Important: If you’re not immediately approved, don’t panic. Citi may request additional documents or perform a manual review.

Step 6: Activate and Start Earning Points

Once you receive your card, activate it online or by phone.

Then, start using it strategically—especially in the bonus categories—to maximize your rewards.

Don’t forget: To earn the sign-up bonus, you’ll need to spend $4,000 within the first 3 months.

So, consider using the card for regular expenses like groceries, dining, and gas.

Final Thoughts

Getting the Citi Premier® Card is a straightforward process, especially if you prepare in advance.

From checking your credit score to applying online and activating your card, each step brings you closer to valuable travel rewards and everyday perks.

If you’re ready to take advantage of this powerful credit card, now is the time to apply.