Citi Premier Card Bonus Categories: What’s Included?

Citi Premier Card Bonus Categories: What’s Included?

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The $95 annual fee Citi Premier® Card (review) is the mid-range credit card with the best bonus categories, in my opinion. Not only does the Citi Premier offer generous rewards for spending, but it’s also offering an incredible welcome bonus of 80,000 ThankYou points after spending $4,000 within three months, which is the best bonus we’ve ever seen on this card.

In many ways this is a competitor to the Chase Sapphire Preferred® Card (review). While there are pros and cons to both cards, a huge advantage of the Citi Premier is the superior bonus categories. In this post I wanted to take a closer look at how those bonus categories work.

Citi Premier Card 3x ThankYou points bonus categories

What makes the Citi Premier Card lucrative long-term is that it offers 3x points in five different categories. The Citi Premier offers 3x points on:

  • Dining & restaurants
  • Gas stations
  • Groceries & supermarkets
  • Airfare
  • Hotels

How does Citi define each of these categories? In other words, specifically which kind of purchases qualify, and which don’t? Let’s go over each category below.

I’d also like to mention that the Citi Premier has no foreign transaction fees, so you can earn 3x points for these purchases globally (all of the bonus categories apply worldwide, rather than being US-centric).

3x points on dining & restaurants

The Citi Premier offers 3x points on dining and restaurant purchases, which generally includes cafes, bars, lounges, fast food restaurants, takeout, and delivery.

You generally won’t earn bonus points for purchases made at bakeries, caterers, and restaurants located inside other establishments (like hotels, department stores, grocery stores, discount stores, convenience stores, and warehouse clubs).

That makes the Citi Premier one of the best cards for dining and restaurant purchases.

Earn 3x ThankYou points on dining purchases

3x points on gas stations

The Citi Premier offers 3x points on gas station purchases. This typically includes purchases of gas, as well as other gas station purchases.

You generally won’t earn bonus points for gas purchases at warehouse clubs, discount stores, department stores, convenience stores, or other merchants that aren’t classified as gas stations.

That makes the Citi Premier one of the best cards for gas station purchases.

3x points on groceries & supermarkets

The Citi Premier offers 3x points on grocery and supermarket purchases.

You generally won’t earn bonus points for purchases made at general merchandise or discount stores, freezer or meat locker provisioners, dairy product stores, miscellaneous food and convenience stores, markets, drugstores, warehouse clubs, wholesale clubs, specialty vendors, bakeries, candy stores, nut stores, confectionary stories, and meal kit delivery services.

That makes the Citi Premier one of the best cards for grocery and supermarket purchases.

3x points on airfare

The Citi Premier offers 3x points on airfare. This includes all airfare purchased directly with airlines or through a travel agency. It’s not just ticket costs that qualify, but generally other fees associated with airline tickets as well.

That makes the Citi Premier one of the best cards for airfare purchases.

Earn 3x ThankYou points on airfare purchases

3x points on hotels

The Citi Premier offers 3x points on hotels. This includes hotels booked directly or through a travel agency. This also includes incidental purchases at hotels, and not just the room rate.

That makes the Citi Premier one of the best cards for hotel purchases.

Maximize ThankYou points with Citi no annual fee cards

If you want to maximize the Citi ThankYou points you earn, you can’t beat having the Citi Premier Card plus some of the no annual fee Citi cards that can potentially earn ThankYou points:

At a minimum, you can’t beat the combination of the Citi Premier Card and Citi Double Cash Card, but picking up more cards than that can make sense as well.

There are some awesome Citi credit card combos out there

Bottom line

The Citi Premier Card offers incredibly well rounded bonus categories, as you can earn triple points on gas, grocery, restaurant, airfare, and hotel purchases. When you add it all together, you can easily average multiple points per dollar spent, making this one of the most compelling mid-range cards out there.

Hopefully the above sheds some light on how each bonus category is defined, since it can sometimes get confusing to figure out which purchases qualify for each bonus category.

If you don’t yet have the Citi Premier Card, now is the time to apply, given the incredible welcome bonus we’re seeing. This is the best that has ever been available on the card, and I can’t imagine it will last.

Conversations (7)
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  1. khatl

    I keep forgetting about about the grocery points earning potential, so this is helpful!!!

    As a somewhat related suggestion, an article about redemption / transfer partners in a side-by side table comparison i.e. ThankYou vs MR vs UR (vs whatever Cap One call their points), together with comments/reference to the best transfer partners, would be great. Reason being is that while I think I'm up on my points game, I sometimes get surprised and there...

    I keep forgetting about about the grocery points earning potential, so this is helpful!!!

    As a somewhat related suggestion, an article about redemption / transfer partners in a side-by side table comparison i.e. ThankYou vs MR vs UR (vs whatever Cap One call their points), together with comments/reference to the best transfer partners, would be great. Reason being is that while I think I'm up on my points game, I sometimes get surprised and there doesn't seem to be a good quick reference source

    1. MidSouthSkier

      Are you aware of Frequent Miler's Transfer Partner Master List resource page? The team there keeps it updated:
      https://frequentmiler.com/transfer-partner-master-list/

    2. khatl

      Perfect. Much appreciate it @MidSouthSkier!

  2. sacrxy

    Since it restricted travel to airfare only and took away travel protection, I seldom use it for travel spend except for airfare on WN where cancelation is free. I like it for the other bonus categories however. For other travel spend with a mid tier $95 a year card, I go with the Ink Unlimited since it includes more in the travel category, has some travel protection and also offers 3x bonus

    1. canuck_in_ca

      Same here. I stopped using my Premier and my Prestige for travel since Citi dropped the travel protection. Gas, groceries and restaurants is pretty much it in terms of spend. Sad.

  3. Gary Hohenstein

    Does anyone know if it includes the 3x points on overseas restaurants, gas stations and groceries ? I spend about 6 months overseas.

Featured Comments Load all 7 comments Most helpful comments ( as chosen by the OMAAT community ).

The comments on this page have not been provided, reviewed, approved or otherwise endorsed by any advertiser, and it is not an advertiser's responsibility to ensure posts and/or questions are answered.

canuck_in_ca

Same here. I stopped using my Premier and my Prestige for travel since Citi dropped the travel protection. Gas, groceries and restaurants is pretty much it in terms of spend. Sad.

Gary Hohenstein

Does anyone know if it includes the 3x points on overseas restaurants, gas stations and groceries ? I spend about 6 months overseas.

sacrxy

Since it restricted travel to airfare only and took away travel protection, I seldom use it for travel spend except for airfare on WN where cancelation is free. I like it for the other bonus categories however. For other travel spend with a mid tier $95 a year card, I go with the Ink Unlimited since it includes more in the travel category, has some travel protection and also offers 3x bonus

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