Citi Prestige® Card

The Citi Prestige® Card comes with a $450 annual fee, but that is offset by the tremendous amount of benefits and generous rewards that come with the card. If you’re a frequent traveler, this card might be the right choice for you.

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  • Rewards
    • Earn 3 ThankYou points for every $1 spent on airfare and hotels
    • Earn 2 ThankYou points for every $1 spent on dining out and entertainment
    • Earn 1 ThankYou point or every $1 spent on all other purchases
    • There is no limit to the amount of points you can earn
    • Rewards never expire
  • Signup Bonus 40,000 ThankYou points for spending $4,000 in the first 3 months
  • Chip Technology Chip-and-Signature
  • Foreign Transaction Fee 0%
  • Intro Balance Transfer APR -
  • Regular Balance Transfer APR 15.49% *Variable
  • Cash Advance APR 25.49% *Variable
  • Penalty APR Up to 29.99% *Variable
  • Late Fee Up to $35
  • Returned Payment Fee Up to $35

Card Benefits

Check your card's Guide to Benefits to learn the specific benefits your card offers and how to access them. Learn more about credit card benefits here.


  • 24/7 Citi Concierge Service

    Call any time for non-emergency help with travel, shopping, entertainment, and much more.

  • Annual $250 Air Travel Credit

    Every year you’ll get an automatice $250 credit to use for airline tickets, baggage fees, upgrades, and other travel expenses.

  • Complimentary Night Free

    Get one free complimentary night with no black-out dates if you book 4 nights in a row through your Citi Concierge.

  • MasterCard® Airport Concierge™

    Get 15% off airport concierge services at select airports, like escorts through checkpoints and baggage porters.

  • Priority Pass Select Lounge Access

    Exclusive access to 50 Admirals Club® worldwide locations. Includes free WiFi, drinks, and light snacks, conference rooms, print services and more.

  • Admirals Club Lounge Access

    You and up to two traveling companions can access Admirals Club lounges around the world, which include free Wifi, drinks, and snacks, along with shower suites and personal travel assistance services.

  • Global Entry Program

    If you apply for Global Entry ($100) with your card you’ll receive a statement credit for the application fee, once every 5 years. Global Entry provides expedited screening at certain airports.

  • Hotels and Resorts Worldwide

    Go to or contact customer service for more details.

  • Missed Event Ticket Protection

    Get refunded up to $500 per ticket if you miss a show, game or event due to bad weather, venue cancellation, accident delays or even lost tickets.

  • Points Transfer

    Transfer your points between participating loyalty programs. More information at

  • Authorized Users

    Assign authorized users to your account to earn more rewards ($50 annual fee per authorized user).


  • Zero Liability Protection

    You won’t be held responsible for fraudulent or unauthorized activity.

  • Fraud Early Warning System

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

  • The Lost Wallet® Service

    Emergency card replacement service.


  • 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 Protection

    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.

  • 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.


  • 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.

  • 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 Luggage Reimbursement

    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; 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

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

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