What credit card should I get?

The best credit card for you depends on your spending habits, credit score, and goals. Use our free quiz to analyze your spending in categories like dining, groceries, travel, and gas to find cards that maximize your rewards.

How do I choose the best credit card?

Consider these factors: 1) Where you spend the most money (dining, groceries, travel, gas), 2) Your credit score range, 3) Whether you want cash back, points, or miles, 4) If you're willing to pay an annual fee for premium benefits.

What is the best cash back credit card?

The best cash back card depends on your spending. For everyday purchases, flat-rate cards like Citi Double Cash (2%) work well. For category spending, cards like Chase Freedom Flex (5% rotating) or Amex Blue Cash Preferred (6% groceries) offer higher returns.

What credit card is best for travel?

Top travel cards include Chase Sapphire Preferred (great for beginners), Chase Sapphire Reserve (premium benefits), Amex Gold (dining + flights), and Capital One Venture X (simple earning). Our quiz helps match your travel style to the right card.

Do I need good credit for a rewards card?

Most premium rewards cards require good to excellent credit (700+). However, options exist for fair credit (650-699) like Capital One Quicksilver, and secured cards help build credit while earning rewards.

All cards

CitiTravel

Citi Premier Card

Points card from Citi

$95

annual fee

~$100 in credits = $0 effective fee

3x on travel, dining, groceries, and gas
80,000 bonus points after $4,000 spend
Transfer points to airline partners
No foreign transaction fees
$100 annual hotel savings

Welcome Bonus

$800 value

after $4,000 spend in 3 months

Credit Needed

Good (670-749)

Personal card

APR

21.49%–29.49%

Variable APR

Foreign Transaction Fee

None

Great for international travel

Base Reward Rate

On all other purchases

Rewards Structure

Category	Rate	Details
Travel	3x	on air travel and hotels
Dining	3x	at restaurants
Groceries	3x	at supermarkets
Gas	3x	at gas stations
Everything else	1x	Base rate on non-bonus spending

Annual Credits & Perks

Hotel Savings

$100/yr

$100 off $500+ hotel stays through Citi Travel

Easy to use

Total credits value: $100/year — credits offset the annual fee entirely

Rates and fees disclosure

Card details last verified January 2026. Rates, fees, and rewards are subject to change. Visit the issuer's website for the most current information. We may earn a commission when you apply through our links, but this never affects our recommendations.

Is the Citi Premier Card right for you?

Take our free 2-minute quiz to see how this card scores against 55+ other cards based on your actual spending habits, credit score, and goals.

Take the Card Finder Quiz

Free, 2 minutes, no signup required

More cards from Citi

Citi Double Cash Card

No annual fee

Citi Custom Cash Card

No annual fee | $200 bonus

Citi Simplicity Card

No annual fee

Costco Anywhere Visa by Citi

No annual fee