Best travel card with virtual card capability
Intro OfferFor a limited time, earn 80,000 bonus ThankYou® Points after you spend $4,000 in purchases within the first 3 months of account opening
APR18.24% - 26.24% (Variable)
Intro Purchase APRN/A
Recommended CreditExcellent, Good
Reward Rates
- Earn 3 Points per $1 spent at Restaurants and Supermarkets
- Earn 3 Points per $1 spent at Gas Stations, Air Travel and Hotels
- Earn 1 Point per $1 spent on all other purchases
Annual Fee$95
Balance Transfer APR18.24% - 26.24% (Variable)
Balance Transfer FeeBalance transfer fee applies with this offer 5% of each balance transfer; $5 minimum.
Late Payment FeeUp to $41
Foreign Transaction Fees0%
Penalty APRUp to 29.99% (Variable)
Our Take
While the Citi Premier® Card has an annual fee of $95 -- unlike our other picks which have no annual fee -- its rewards and perks make up for the extra cost. For example, the sign-on bonus of 80,000 points after spending $4,000 in the first three months after the account opens (an equivalent value of $800 in gift cards when redeemed at thankyou.com) is highly competitive, putting this card at the top of our picks for best welcome bonus credit cards. This card offers purchase protection, and you can access virtual account numbers right through your account home page. For more details on all of this card's benefits, check out our full review of the Citi Premier Card.