Citi Premier Military Benefits 2021 | Credit Card Review

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The Amex Gold card is annual fee waived for military. It's even better than the Amex Platinum for everyday spending on dining and groceries.

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The Citi® Premier® Card waives the annual fee for US military servicemembers. This is similar to The Platinum Card® from American Express military policy and the Chase Sapphire Reserve MLA policy.

Citi Premier Credit Card Military MLA
  • Learn how to apply for the Citi® Premier® Card
  • Earn 80,000 Citi ThankYou points after spending $4000 in the first 3 months of account opening
  • 80,000 points are redeemable for $800 in gift cards at thankyou.com
  • Earn 3 points per $1 spent at at restaurants and supermarkets
  • Earn 3 points per $1 spent on Gas Stations, Air Travel, and Hotels
  • 1 point per $1 on everything else
  • Annual Hotel Savings Benefit
  • No foreign transaction fees
  • $95 annual fee waived for military with Citi MLA, see details below

Citi Premier MLA Fee Waiver

The details of the Citi credit card MLA waiver are a bit trickier than Chase or Amex.

First, verify you are in the MLA database. You will need to create an account but you can then verify your and your spouse's eligibility for MLA benefits.

In the month where you are charged your annual fee, which should be the same month every year, you need to close your Citi Premier statement with a balance greater than $0. Once you are emailed your statement, the fee waiver should be included, like this:

Citi Military Lending Act: No Annual Fees

The Citi fee waiver should say “MLA FEE / INT CREDIT” on your statement.

If you don't use your card in the month when you are charged the annual fee, and don't have a balance greater than $0 on your statement, then you WILL be charged the annual fee. It happened to me my second year of card membership. Don't forget and set a reminder if you want to keep getting the annual fee waived.

Again, in order to get your Citi credit card annual fee waived as an active duty military servicemember or spouse of an active duty servicemember, you must close your Citi Premier statement with a balance greater than $0.

This Citi card has no foreign transaction fees, which is essential if you are stationed overseas or go TDY OCONUS.

Citi Premier Card vs Chase Sapphire Preferred

Citi Premier is a mid-tier card that compares nicely to the Chase Sapphire Preferred card. The CSP also waives the annual fee for military servicemembers.

Personally I prefer the Chase Sapphire Preferred to the Citi Premier. There are a lot of good credit cards for the military that waive annual fees. I would pick one of those cards before the Citi Premier. Or you can open of the credit cards with the best bonuses this month or go through my best order to open military credit cards.

The Citi Premier card is one of the 27 credit cards in my collection but I do not use it very frequently. I find I get much better value from cards like the Amex Platinum, Amex Gold card, or Chase Sapphire Reserve. All of these cards waive the annual fee for military.

Chase Sapphire Preferred Military SCRA MLA
  • Learn how to apply for the Chase Sapphire Preferred
  • Best Offer Ever: Earn 100,000 (!) Chase Ultimate after spending $4000 in the first 3 months of card membership
  • 100,000 points = $1250 minimum when redeemed through Chase Ultimate Rewards travel portal
  • Points can also be redeemed with “Pay Yourself Back” for 1.25 cents each on eligible purchases
  • 2x points on travel and dining (includes takeout, delivery, and dine-in)
  • No foreign transaction fees, great for overseas OCONUS assignments, TDY, and PCS
  • Primary rental car insurance coverage
  • Unlimited deliveries with a $0 delivery fee and reduced service fees on orders over $12 for one year with DashPass, DoorDash's subscription service. Must activate by 12/31/21.
  • Upgrade to a Chase Sapphire Reserve after 1 year (compare Reserve vs Preferred)
  • $95 annual fee waived for military and spouses with Chase Military Lending Act
Citi Premier Credit Card Military MLA
  • Learn how to apply for the Citi® Premier® Card
  • Earn 80,000 Citi ThankYou points after spending $4000 in the first 3 months of account opening
  • 80,000 points are redeemable for $800 in gift cards at thankyou.com
  • Earn 3 points per $1 spent at at restaurants and supermarkets
  • Earn 3 points per $1 spent on Gas Stations, Air Travel, and Hotels
  • 1 point per $1 on everything else
  • Annual Hotel Savings Benefit
  • No foreign transaction fees
  • $95 annual fee waived for military with Citi MLA, see details below

Premier Annual Hotel Savings Benefit

Earn $100 off a single hotel stay of $500 or more (up to 20% savings), excluding taxes and fees, when booked through thankyou.com. Available once per calendar year.

Citi Transfer Partners

Citi has many credit card transfer partners.

You can transfer Citi ThankYou Points (TYP) to:

  • Aeromexico
  • Asia Miles
  • Avianca Lifemiles
  • Etihad Guest
  • Eva Air
  • Flying Blue (KLM and Air France)
  • JetBlue
  • Malaysia Airlines Enrich
  • Qantas
  • Qatar
  • Singapore
  • Thai Royal Orchid Plus
  • Turkish Air Miles and Smiles
  • Virgin Atlantic Flying Club

Head over here to learn more about the Citi MLA policy. Or take my 100% free, 5 day email course on military travel hacking.

Citi Premier FAQ

Is the Citi Premier worth it?

For US military the Citi Premier is definitely worth it since the annual fee is waived!

Is the Citi Premier hard to get?

No, the Citi Premier is pretty easy to apply for. I think there are better cards though, especially if you are in the military. Check my credit card application rules for the latest on applying for the Citi Premier card.

Does Citi Premier waive annual fee?

Yes! For US military and their spouses, the Citi Premier waives the annual fee under the Military Lending Act or MLA.

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