Citi Premier Card 80,000 Point Offer: Last Chance to Apply – Business Insider

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Citi Premier Credit Card

The Citi Premier is offering 80,000 points (worth at least $800), but this elevated bonus won’t be around much longer.
Citi; Insider
  • The Citi Premier® Card has been offering a record-high elevated bonus since last summer, but it’s about to end.
  • You can earn 80,000 bonus ThankYou® Points after you spend $4,000 in purchases within the first 3 months of account opening.
  • The bonus is worth $800 in travel, cash back, or gift cards — and potentially even more if you transfer points to partners.
  • Read Insider’s guide to the best Citi credit cards.

If you’ve had your eye on the record-high welcome bonus on the Citi Premier® Card, it’s your last chance to apply. The offer to earn 80,000 bonus ThankYou® Points after you spend $4,000 in purchases within the first 3 months of account opening is slated to end very soon. Citi is an Insider advertising partner.

This bonus is worth at least $800 when you redeem points for travel booked through Citi, gift cards, or cash back. But it’s possible to receive even more value when you transfer your points to Citi’s airline and hotel partners. Insider’s valuations peg Citi ThankYou points as worth 1.6 cents apiece, on average, so this bonus is potentially worth $1,280 in travel.

Plus, the Citi Premier® Card is the only card currently available to new applicants that unlocks the ability to transfer your ThankYou points to Citi’s full range of airline and hotel partners, including Singapore Airlines, Turkish Airlines, and JetBlue.

Insider’s Featured Credit Cards for Travel

  • Capital One Venture Rewards Credit Card

  • Chase Sapphire Preferred® Card

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Earn 5X miles on hotels and rental cars booked through Capital One Travel. Earn unlimited 2X miles on every purchase.

75,000 miles after spending $4,000 on purchases within 3 months from account opening

Earn 5x points on all travel purchased through Chase Ultimate Rewards. Earn 3x points on dining, including eligible delivery services, takeout, and dining out. Earn 3x points on select streaming services. Earn 3x points on online grocery purchases (excluding Target, Walmart, and wholesale clubs). Earn 2x points on other travel. Earn 1x point per dollar on everything else.

60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening

Here’s what to know about the Citi Premier® Card to help you decide if it’s worth applying for before the elevated bonus ends.

We’re focused here on the rewards and perks that come with each card. These cards won’t be worth it if you’re paying interest or late fees. When using a credit card, it’s important to pay your balance in full each month, make payments on time, and only spend what you can afford to pay.

Citi Premier 80,000-point sign-up bonus ending soon

Citi Citi Premier® Card

Citi Premier® Card

Intro offer

80,000 bonus ThankYou® Points after you spend $4,000 in purchases within the first 3 months of account opening

Rewards

Earn 3x ThankYou® points at restaurants and supermarkets. Earn 3x ThankYou® points at gas stations, air travel, and hotels. Earn 1x ThankYou® points on all other purchases.

$95

Annual Fee

Citi Citi Premier® Card

Citi Premier® Card

Intro offer

80,000 bonus ThankYou® Points after you spend $4,000 in purchases within the first 3 months of account opening

Rewards

Earn 3x ThankYou® points at restaurants and supermarkets. Earn 3x ThankYou® points at gas stations, air travel, and hotels. Earn 1x ThankYou® points on all other purchases.

$95

Annual Fee

$95

Annual Fee

On Citi’s website

Rewards

Earn 3x ThankYou® points at restaurants and supermarkets. Earn 3x ThankYou® points at gas stations, air travel, and hotels. Earn 1x ThankYou® points on all other purchases.

Annual Fee

$95

Intro offer

80,000 bonus ThankYou® Points after you spend $4,000 in purchases within the first 3 months of account opening

Recommended Credit

Good to Excellent

Regular Annual Percentage Rate (APR)

20.24% – 28.24% Variable

Editor’s Rating

4.8/5

Our editor’s ratings analyze fees, bonuses, rewards, and benefits to highlight the simplest and most valuable credit cards available.

Show more

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The Citi Premier® Card’s bonus is extremely valuable, but that’s not the only reason to consider the card. It comes with excellent bonus categories that are useful for travelers as well as those sticking closer to home. You’ll earn 3x points with no caps in these categories:

All other purchases earn 1 ThankYou point per dollar with no limits to what you can earn.

While the Citi Premier® Card isn’t packed with travel-related perks, it does come with a handful of benefits that can help justify its $95 annual fee. These include a discount of $100 off a hotel stay of $500 or more (before taxes and fees) once per year when you book through the Citi ThankYou travel portal. You can find out all the details in our Citi Premier card review.

As for redeeming Citi ThankYou points, there’s a wide range of options. Usually, you’ll get the highest value from your rewards by transferring points to Citi’s airline and hotel partners for high-value redemptions, such as first- or business-class award flights or pricey hotel stays.

A more straightforward way to use your Citi ThankYou points is by booking flights, hotels, and other travel through the Citi ThankYou Rewards portal, which eliminates the need to worry about award charts or blackout dates. When you use your points like this, they’re worth a flat 1 cent each.

Other ways to use Citi ThankYou points from the Citi Premier® Card include:

  • Cash back — Use points for a statement credit or direct deposit (1 cent per point)
  • Gift cards — Redeem points for gift cards to dozens of popular merchants and restaurants (1 cent per point)
  • Charity donations — Use your rewards to support your favorite charitable organization (1 cent per point)
  • Merchandise — Pay with points at checkout with Amazon, PayPal, and more (point values vary)

If you already have no-annual-fee Citi cards like the Citi Rewards+® Card or Citi® Double Cash Card, opening the Citi Premier® Card can help you make the most of your rewards. Pairing credit cards from the same rewards program is a great way to turbocharge your earnings on everyday spending.

In fact, if you have the Citi Trifecta — the Citi Premier® Card, Citi® Double Cash Card, and Citi Custom Cash℠ Card — you can earn anywhere from 2x to 5x points on every purchase you make. 

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