Citi Prestige® Card


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
  • 2X ThankYou points per dollar spent on Entertainment (former cardholders only, through 8/31/19)
  • 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 ThankYou® 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 or your Citi Concierge, and pay using your card, ThankYou points, or a combination of both. Starting September 2019, this perk is capped at two uses per year; uses before that date don’t count toward the cap.
  • 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.

Card Quick Facts

Card Quick Facts

  • 5X ThankYou points on Air travel and Restaurants
  • 3X ThankYou points on Hotels and Cruise Lines
  • 2X ThankYou points on Entertainment (former cardholders only, through 8/31/19)
  • No limit to the amount of points you can earn
  • Rewards never expire
  • $250 travel credit
  • Complimentary 4th night free on eligible hotel stays (on 9/2019 this will be limited to twice per year)
  • Complimentary Priority Pass Select membership
  • Global Entry or TSA Pre✓ Application Fee Credit
  • No foreign transaction fees
  • $495 annual fee

Manage My Card

Want to pay a bill or check your balance?

Card Details

Rewards

Rewards

  • 5X ThankYou points per dollar spent on:
    • Air travel
    • Restaurants
  • 3X ThankYou points per dollar spent on:
    • Hotels
    • Cruise lines
  • 2X ThankYou points per dollar spent on Entertainment (former cardholders only, through 8/31/19)
  • 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

Card Stats

Card Stats

Annual Fee $495
Additional Cards Annual Fee $75
Regular Purchase APR 17.99%–25.99% Variable
Intro Purchase APR -
Foreign Transaction Fee None
Chip Technology Chip-and-Signature & Chip-and-PIN
Minimum Credit Limit $5,000
Maximum Credit Limit -
Free Credit Score Yes
Penalty APR Up to 29.99% Variable
Late Fee Up to $39
Returned Payment Fee Up to $39
Balance Transfers

Balance Transfers

Intro Balance Transfer APR -
Regular Balance Transfer APR 17.99%–25.99% Variable
Balance Transfer Fee 3%, $5 minimum
Cash Advances

Cash Advances

Cash Advance APR 27.49% Variable
Cash Advance Fee 5%, $10 minimum

Card Benefits

Check your card’s Guide to Benefits to learn the specific benefits your card offers and how to access them.

  • Points Transfer

    Transfer your points between participating retail and airline loyalty programs. More information here.

  • Annual $250 Travel Credit

    Every year you’ll get an automatic $250 credit to use for practically any travel expense, like airline tickets, hotel rooms, travel agencies, and more.

  • Complimentary 4th Night Stay

    Get one free night with no black-out dates if you book four nights in a row through ThankYou.com or your Citi Concierge, and pay using your card, ThankYou points, or a combination of both. Starting September 2019, this perk is capped at two uses per year; uses before that date don’t count toward the cap.

  • Complimentary Priority Pass Select Membership

    You and your authorized users can access Priority Pass lounges at no charge, and with no need to enroll. Immediate family or up to two guests can enter as well.

  • 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. These programs provide expedited screening at certain airports.

  • Citi Prestige Concierge Service

    Call 1-877-288-2484 any time for non-emergency help with travel, shopping, entertainment, and much more. You can also email [email protected].

  • Golf Benefit

    Special access to over 2,000 public and private legacy golf courses around the world: USA, Asia, Latin America, Europe, the Middle East, and Africa.

  • World Elite Car Rental Program

    A complimentary elite membership with select National, Avis, and Sixt.

  • Citi Private Pass

    Exclusive access to music, sports, and dining events.

  • Free FICO Credit Score

    View your FICO Bankcard Score 8 for free any time you’d like, based on your Equifax credit report.

  • Zero Liability Protection

    You won’t be held responsible for fraudulent or unauthorized activity (contact customer support immediately if you suspect fraud).

  • Fraud Early Warning System

    Monitors your account to detect suspicious activity as quickly as possible.

  • The Lost Wallet® Service

    Emergency card replacement service.

  • Citi QuickLock

    Lock your card to instantly block new transactions and cash advances until you unlock it, which can help if you lose your card. Recurring transactions, payments, balance transfers, and credits will not be blocked.

  • Citi Identity Theft Solutions

    If you become a victim of identity theft, Citi will work with you to contact the TransUnion credit bureau and submit a police report, as well as provide other assistance.

  • Virtual Account Numbers

    Create virtual account numbers to provide better security when shopping online.

  • Purchase Protection

    Purchases are covered for 120 days against theft or damage; up to $10,000 per item, up to $50,000 per year.

  • Extended Warranty Protection

    Eligible warranties of 5 years or less can be extended by up to an additional year; up to $50,000 per year.

  • Price Rewind

    If you made a purchase in the U.S. that you find advertised at a cheaper price within 60 days, you can be reimbursed for difference; up to $300 per item, $1200 per year. Price Rewind will search the internet for lower prices, and you’ll be alerted if any are found.

  • Return Protection

    Store won’t take back your purchase? No problem. Get reimbursed for eligible items purchased on your card if you make the return within 90 days of purchase; up to $500 per item, $2,500 per year.

  • Missed Event Ticket Protection

    If you buy tickets to an eligible event and aren’t able to attend, you can be reimbursed up to $500 per ticket, up to $5,000 per year.

  • Travel and Emergency Assistance

    Provides help with emergencies, including legal and medical referrals.

  • Trip Cancellation / Trip Interruption Insurance

    If a trip is disrupted for an eligible reason, provides reimbursement up to $5,000 for non-refundable costs.

  • Worldwide Travel Accident Insurance

    Provides reimbursement up to $1,000,000 if you or a family member have an accident while traveling.

  • Trip Delay Protection

    When you’re delayed for over 3 hours, you can be reimbursed for eligible unplanned expenses, up to $500 per trip.

  • Medical Evacuation

    Provides 24/7 help with serious medical emergencies when the right local help isn’t available.

  • Lost Baggage Protection

    If checked or carry-on bags are lost, stolen, or damaged, provides reimbursement up to $3,000 per trip.

  • Baggage Delay Protection

    If baggage is delayed for more than 3 hours, reimbursement is available for necessary items you need to purchase; up to $600 per trip.

  • Auto Rental Collision Damage Waiver

    Provides coverage against theft and collision, as long as the car rental company’s own insurance is declined; up to $100,000.

  • Roadside Assistance Dispatch Service

    Assistance with services such as towing, changing a flat, or boosting a battery in case of emergency.

Visitor Reviews

Read about experiences others have had with this card and leave your own review here.

Submit your review
1
2
3
4
5
Submit
     
Cancel

Create your own review

Average rating:  
 0 reviews

The Insider

Susan Shain
How to Set a Travel Notice for Your Credit Cards (Including Chase)
Susan Shain | Feb 21, 2019

Getting ready for a trip? Here's how to set a travel notice for credit cards from eight issuers, including step-by-step directions for Chase travel notices.

Read More
Susan Shain
How to Get TSA PreCheck Free: Try These 6 Credit Cards
Susan Shain | Feb 11, 2019

Want to get TSA PreCheck free? Here are six great credit cards that pay for your application fee — plus why you might want to opt for Global Entry instead.

Read More
Michelle Black
What Is a Credit Limit and How Does It Affect Your Credit Scores?
Michelle Black | Feb 08, 2019

Understanding how credit limits work and how they can impact your credit scores is an important part of being a smart credit card user.

Read More