The Citi Premier® Card allows borrowers to earn an impressive 3x points per dollar spent on air travel, hotels, supermarkets, restaurants, and gas stations. Borrowers also earn 1x point per dollar spent on all other purchases.

When you first open a card, you’re eligible for a welcome offer of 60,000 bonus points when you spend $4,000 in the first three months (that’s worth $600 in gift cards at Other perks include:

  • No foreign transaction fees.
  • $100 annual hotel savings benefit.
  • Flexible redemption options.
  • Ability to transfer points to participating airline loyalty programs.

The Citi Premier® Card does come with a $95 annual fee, but that price is well worth it for consumers who travel frequently and want to maximize their rewards.

Read our full Citi Premier® Card review

Card info has been collected by MoneyUnder30 to help consumers better compare cards. The financial institution did not provide or approve card details.


Overdraft fees can feel like a kick when you’re already down, but avoiding them is pretty easy. Because not all banks offer all of these options, though, you may be limited to what your bank provides.

If that’s the case, consider switching your bank to the institution you have a credit card with or changing banks to one that offers one of the other solutions we provided. Getting rid of overdraft fees for good will not only be good for your wallet, but it can also provide you with more peace of mind.

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About the author

Total Articles: 17
Ben Luthi is a personal finance and travel writer who covers credit cards, debt, credit, investing, and more. He's currently studying to become a CFP(R) and trying to keep up with his two young kids. You can connect with Ben on Twitter or his website.