Citi PremierPass® Card – Elite Level Review

The Citi PremierPass® – Elite Level Card is a points rewards card that allows you to earn points and cash them in for airline tickets if you choose. This card is ideal for those that are looking for a frequent flyer card. This card is unique because it not only allows you to earn miles on every dollar you spend, but you can also earn based on the miles you fly. This card is for those with excellent credit and this card has an annual fee of $75 per year.

  • Get 20,000 points
  • Complimentary companion ticket for friends and family
  • 2 points for every $1 spent
  • 1 point for every $1 spent on other purchases

Rates and Offers
Your APRs may vary each billing period due to changes to the prime rate. The purchase APR equals the Prime Rate plus 10.99%. As the prime rate changes your APR will also change. The cash advance APR equals the Prime Rate plus 16.99% (never lower than 21.99%). The default APR equals the greater of the Prime Rate plus up to 23.99% or up to 29.99%. One of the unique benefits of the Citi PremierPass® Card is that, as a cardmember, your transactions will not be declined based on a pre-set spending limit. “No pre-set spending limit” does not mean unlimited spending, but instead, each charge that causes your balance to exceed your revolving credit line will be evaluated based on account usage and performance. You must pay in full each month any amount that exceeds your revolving credit line. There is a pre-set spending limit for cash advances.

Citi Rewards
You can earn 2 points for every $1 spent on purchases at supermarkets, gas stations, drugstores, commuter transportation and parking merchants and 1 point for every $1 spent on other purchases which includes purchasing airline tickets for yourself and others. You can also earn 1 point for each and every mile flown by you and others on tickets you buy on any airline. The total number of ThankYou® Purchase and ThankYou® Flight Points that may be earned is 200,000 per calendar year (eligible purchases appearing on your January – December billing statements), only 100,000 of which may be ThankYou® Flight Points. The calendar year limit will include any ThankYou® Purchase Points and Flight Points you may be eligible to receive, unless we tell you otherwise.

Special Offers
As a bonus you can earn 20,000 points if you spend $600 within the first 3 months of opening your account. You can get complimentary companion travel when you use the Citi PremierPass Card – Elite Level to purchase a round-trip Coach Class excursion fare ticket for $299 or more in the continental United States and Hawaii. Airline participation in the complimentary travel program varies from market to market and is based on airline controls and availability. Passenger is responsible for all fees, taxes and charges incurred with the travel and must make reservations through Spirit Incentives. Details will be provided upon cardmembership.

Citi PremierPass® Fees
The table below highlights some of the fees associated with the Citi PremierPass® card. To see a complete list you should refer to the card terms and conditions. You can apply for the card online today.

DescriptionFee
Annual Fee$75
Min Finance Charge$0.50
Balance Calculation MethodAverage Daily Balance (including new purchases)
Balance Transfer Fee3%, min $5.00
Cash Advance fee3%, min $5.00
Over-the-credit-limit fee$35
Late Payment feeUp to $39

About Michal

Michal is a personal finance blogger who writes for several top personal finance blogs, such as Dough Roller and Go Banking Rates. She enjoys writing about money management, getting out of debt and planning for retirement. Her practical approach encourages folks to get serious about their relationship with their money.
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