The Citi PremierPass Card - Elite Level is for those with excellent credit who are interested in a reward card that can be used on any airline. Cardholders earn two points for every dollar that is spent at supermarkets, drugstores, gas stations, commuter transportation, and participating parking authorities. One point is earned for other purchases and every mile that is flown on any airline when the card is used to purchase the ticket. You can redeem your points for flights on any airline, gift certificate, merchandise, and statement credits by using the ThankYou Network. A cardholder can only earn 200,000 points annually (only 100,000 of these can be ThankYou Flight Points), and they will expire in three years if the account has been inactive during that time.



The card has a rather high annual fee of $75, but the interest rate is a rather low 13.99% variable on purchases with a minimum rate of 19.9% on cash advances based on the Prime Rate. During the first year, there is an introductory rate of 0% for balance transfers. After the introductory period, there is a 3% balance transfer fee with a minimum of $5 and maximum of $75. Cash advances are also assessed a 3% fee with a minimum of $5 being assessed.

In addition to the rewards that are offered with this card, cardholders also receive other benefits such as travel accident insurance up to $1,000,000, insurance for a rental car, and other emergency assistance and travel services including unlimited companion travel. Those cardholders who will be able to take advantage of all of the reward programs as well as the additional services will benefit the most from having the Citi PremierPass Card - Elite Level.

Some of the other benefits that come with this card include the following:

•Solutions for identity theft

•Protection services for fraud

•Online access to your account

•Reporting of a lost and stolen card

•Emergency cash and card replacement

•Automatic payment of your bill

•Financial statement at year end upon request

•Medical and legal referral services

•Lack of cardholder liability for unauthorized transactions

For those who travel on different airlines rather than the same one, this card with its benefits is quite attractive. The $75 annual fee is high but is offset by the other benefits that are offered with the card.