These earning rates are among the most impressive of any travel rewards card, especially considering the Citi Premier's affordable annual fee.

The card also earns 1 point per dollar on all other purchases. Cardholders earn 3 points per dollar on purchases in the following categories, with no caps or annual limits:

The Citi Premier's earning structure is one aspect where the card shines. The Points Guy will not share or sell your email. I would like to subscribe to The Points Guy newsletters and special email promotions. Related: The best Citi credit cards Citi Premier welcome offer Here's what else you should know about this card - and why you might want to apply now. That's because Citi has improved the ThankYou Rewards program substantially over the years to compete with American Express Membership Rewards and Chase Ultimate Rewards.

Not only that, but the points you earn with the Citi Premier are among the most versatile rewards currencies and are worth 1.8 cents each by TPG valuations. It accrues 3 points per dollar with airlines, hotels, gas stations, restaurants and supermarkets - an excellent slate of bonus categories for a card with a $95 annual fee. The Citi Premier Card is one of the best earners on a wide variety of everyday spending. Card rating*: ⭐⭐⭐⭐ * Card rating is based on the opinion of TPG's editors and is not influenced by the card issuer. While the card isn't as strong on the redemption side as similar offerings from Chase or Amex, the ability to earn 3 points per dollar on air travel, hotels, gas stations, supermarkets and restaurants (including takeout) for just $95 a year is still a pretty great deal. The Citi Premier® Card (see rates and fees) is an under-the-radar gem with a phenomenal range of bonus categories.

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