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Citi Prestige® Card

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Our rating
Credit range: Good
Annual Fee: $495
Regular APR: 17.99%–25.99% Variable

Citi Prestige® Card

 Our rating
Good Credit range
$495 Annual Fee
Apply Now Read our Review

Highlights & Features

Rewards

  • 5X ThankYou points per dollar spent on:
    • Air travel
    • Restaurants
  • 3X ThankYou points per dollar spent on:
    • Hotels
    • Cruise lines
  • 1X ThankYou point per dollar spent on everything else
  • No limit to the amount of points you can earn
  • Rewards never expire

INTRODUCTORY BONUS

50,000 ThankYou points for spending $4,000 within 3 months of account opening

BONUS RESTRICTIONS

You are ineligible for this introductory bonus if you’ve either closed or received an introductory bonus from any of the following cards in the past 24 months:

Balance Transfers

A balance transfer is a way to move credit card debt from one credit card to another with the goal of saving money on interest.

Intro Balance Transfer APR None
Regular Balance Transfer APR 17.99%–25.99% Variable
Balance Transfer Fee 3%, $5 minimum

Fees

Penalty APR Up to 29.99% Variable
Late Fee Up to $39
Returned Payment Fee Up to $39
Additional Cards Annual Fee $75
Foreign Transaction Fee None

Cash Advances

Borrowing cash on your credit card is a cash advance. Cash advances usually come with very high fees. Even worse, cash advances can signal to lenders that you’re being irresponsible with money.

  • Cash Advance APR: 27.49% Variable
  • Cash Advance Fee: 5%, $10 minimum
ABOUT THE ISSUER

Citi

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Citi Prestige® Card

Highlights

  • 5X ThankYou points on Air travel and Restaurants
  • 3X ThankYou points on Hotels and Cruise Lines
  • No limit to the amount of points you can earn
  • Rewards never expire
  • $250 travel credit
  • Complimentary 4th night free on eligible hotel stays, capped at twice per year
  • Complimentary Priority Pass Select membership
  • Global Entry or TSA Pre✓ Application Fee Credit
  • No foreign transaction fees
  • $495 annual fee

The Citi Prestige Card comes with a $495 annual fee, but that is offset by the excellent benefits and generous rewards that come with the card. It was newly redesigned by Citi with a different rewards program and some changes to the perks.

Cardholders will earn points in a variety of categories:

  • 5X ThankYou points per dollar spent on:
    • Air travel
    • Restaurants
  • 3X ThankYou points per dollar spent on:
    • Hotels
    • Cruise lines
  • 1X ThankYou point per dollar spent on everything else

So this credit card is very flexible, providing points at high rates in the travel and dining categories. You can transfer those points to a variety of retail and airline loyalty programs as well, where you can get the best value for them.

You’ll also get 50,000 bonus points for spending $4,000 within the first 3 months of account opening, equal to at least $500 when redeemed for travel. Take note that you’re ineligible for this signup bonus if you’ve either received a signup bonus or closed a Prestige card or any of the following cards in the past 24 months: Citi Rewards+℠ Card, Citi ThankYou® Preferred Card (Review), Citi Premier℠ Card (Review)/Citi Premier.

The Prestige offers a variety of travel perks, with some of the best being:

  • Annual $250 Travel Credit: A $250 statement credit per calendar year that applies to all travel purchases and will reduce this card’s effective annual fee down to $255.
  • Complimentary 4th Night Stay: Get your fourth night free with no black-out dates if you book four nights in a row through ThankYou.com and pay using your card, ThankYou points, or a combination of both. Capped at twice per year.
  • Priority Pass Select Lounge Access: You and your authorized users can access Priority Pass Select lounges at no charge, and with no need to enroll. Immediate family or up to two guests can enter for free as well; additional guests cost $32 each.
  • Global Entry or TSA Pre✓ Application Fee Credit: If you pay for the application for Global Entry ($100) or TSA Pre✓ ($85) with your card you’ll receive a statement credit for the fee, once every five years.

Consider this card if you travel several times per year, and will be able to make use of the valuable 4th night stay benefit.