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Citi Prestige® Card

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This card is not currently open for new applications. The Citi Prestige is a high-end card best used by frequent travelers. You’ll get a wealth of travel benefits and rewards for the annual fee, such as access to airport lounges, a $250 travel credit, and a complimentary 4th night stay at hotels. It’s a good pick to earn points on air travel, dining, hotels, and cruises.

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Our rating
Min. credit level: Good
Annual Fee: $495
Regular APR: 16.99%–23.99% Variable

Citi Prestige® Card

Our rating
Good Min. credit level
$495 Annual Fee
Read Our Review

Highlights & Features


Spending 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
Introductory Bonus
  • 50,000 ThankYou points for spending $4,000 within 3 months of account opening


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:

Citi Transfer Partners

Airline Partners

  • Aeromexico Club Premier
  • Air France KLM Flying Blue
  • American Airlines AAdvantage
  • Avianca LifeMiles
  • Cathay Pacific Asia Miles
  • Emirates Skywards
  • Etihad Guest
  • EVA Air Infinity MileageLands
  • Garuda Indonesia
  • Jet Airways JetPrivilege (now InterMiles)
  • JetBlue TrueBlue
  • Malaysia Airlines Enrich
  • Qantas Frequent Flyer
  • Qatar Airways Privilege Club
  • Singapore Airlines KrisFlyer
  • Thai Airways Royal Orchid Plus
  • Turkish Airlines Miles&Smiles
  • Virgin Atlantic Flying Club

Balance Transfers

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

Intro Balance Transfer APR N/A
Regular Balance Transfer APR 16.99%–23.99% Variable
Balance Transfer Fee 3%, $5 minimum
How to Transfer a Balance on a Credit Card


Penalty APR Up to 29.99% Variable
Late Fee Up to $40
Returned Payment Fee Up to $40
Additional Cards Annual Fee $75
Foreign Transaction Fee None
Learn About Types of Credit Card Fees

Cash Advances

Borrowing cash on your 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 25.24% Variable
Cash Advance Fee 5%, $10 minimum
How to Get a Cash Advance with a Credit Card
Citi Prestige® Card


  • 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


Citi has several card types depending on your needs.

Manage your Account & Pay your Bill

You can usually pay your bill online on your

Credit card issuer's website

Speak to Customer Service

1-800-950-5114 or

Try a different phone number
See all Issuer Cards

The Citi Prestige Card is not currently open for new applications.

The Citi Prestige Card comes with a $495 annual fee, but that’s 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.

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.

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 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.

The information related to Citi Prestige® Card has been collected by Credit Card Insider and has not been reviewed or provided by the issuer or provider of this product.

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