Earn 80,000 bonus ThankYou® Points with the Citi Premier® Card after you spend $4,000 in purchases with your card within 3 months of account opening. You can then redeem those points for $800 in gift cards or travel rewards at thankyou.com.

Along with that sign-up bonus, you'll also earn 3X points in several major categories. Get 3 points per $1 spent on everyday purchases at supermarkets, restaurants, and gas stations. Plus, get 3 points per $1 spent on air travel and hotels. All other purchases earn 1 point per dollar spent. Your points never expire, and there's no limit to how much you can earn.

Such a combination of popular categories all rewarding 3X points is rare among credit cards, but the perks don't stop there. Every calendar year, cardmembers can enjoy $100 off a single hotel stay of $500 or more when booking the hotel through thankyou.com. That $100 in savings effectively offsets the card's $95 annual fee. Plus, there are no foreign transaction fees on purchases.

Everything considered, the Citi Premier® Card is a great card for consumers looking for a bit of category flexibility while knowing they'll earn a high rewards rate across many grocery, dining, and travel purchases.