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Citi Prestige® Card


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Your Rating:

3.8/5.0 from 26 Offer Ratings
Over the Past 60 Days!

(26) Over the Past 60 Days!

  • Regular Purchase APR 15.49% (Variable)
  • Intro Purchase APR N/A*
  • Intro BT APR N/A
  • Annual Fees $450
  • Credit Needed


  • Card Brand MasterCard

Card Details


  • Click "APPLY NOW" to apply online
  • $250 Air Travel Credit each year, and receive a statement credit, up to $100 every 5 years, as reimbursement for your application fee for Global Entry or TSA Pre √®
  • 4th night hotel benefit for any hotel stay at hotels booked through the Citi Prestige® Concierge.
  • Earn 40,000 bonus points after $4,000 in purchases made with your card in the first 3 months the account is open.
  • Points are redeemable for a $532 flight on any airline or $400 in gift cards. 
  • Transfer points to a variety of travel loyalty programs from airlines to hotels.
  • Earn 3x points on Air Travel and Hotels
  • Earn 2x points on Dining at Restaurants and Entertainment
  • 1 ThankYou® Point per $1 spent on other purchases

Card Fees

Late Payment Fees Up to $35

Foreign Transaction Fee None

Balance Transfer Fee Either $5 or 3%, whichever is greater

Cash Advance Fee $10 or 5%, whichever is greater

Returned Payment Fee Up to $35

Penalty APR Up to 29.99%, based on your credit­worthiness

Minimum Interest Charge $0.50

Ongoing Information

Rewards Cap No Cap

Rewards Rate 3x on Air Travel & Hotels, 2x on Dining & Entertainment, and 1x on Other Purchases

Annual Fee $450

Grace Period 23 Days

Additional Card Details

$0 Fraud Liability Yes

Auto Rental Insurance Yes

Extended Warranty Program Yes

Roadside Assistance Yes

Purchase Protection Yes

Travel Assistance Yes

Flight Accident Insurance Yes

Lost Luggage Reimbursement Yes

Concierge Service Yes

Expert Reviews

From the Editorial Team

The Citi Prestige® Card, from our partner Citi, was designed with the traveling consumer in mind, especailly those that like to travel overseas. This offer also comes with a bonus of 40,000 ThankYou points after you spend $4,000 on purchases on your card in the first 3 months of card membership. 
Cardholders will be able to earn 1 ThankYou Point per $1 spent on all purchases, plus bonus rewards opportunities. Earn 3 ThankYou Points per $1 spent on travel and hotel purchases, and 2 ThankYou Points per $1 spent on entertainment and dining out. There's no limit to the number of points you can earn and points don't expire. 
The Citi Prestige® Card has no foreign transaction fees and you can travel care-free because this card comes with travel accident insurance, roadside assistance, lost baggage protection, and more. This card also comes with an annual $250 Air Travel Credit, a complimentary 4th Night for any hotel stay and reimbursment for a Global Entry or TSA Pre √® application fee. The annual fee is $450, which is easy to understand since it comes with so many benefits and features.

Expert Reviews of the Citi Prestige® Card

  • 0.0

    Regular APR

  • 0.0

    Intro APR

  • 4.0


  • 5.0


  • star rating 4.5/5

    Overall Rating

The Bottom Line

The Citi Prestige® Card comes with a slew of lucrative travel perks. Cardholders will earn rewards on all purchases and earn bonus rewards and discounts on certain transactions.

The Good

The rewards potential here is endless. There are 3x and 2x point categories, you can transfer or share your points, and there's no cap on the number of points you can earn. If you get stuck and need help on redeeming points, this card also comes with Points Concierge where you can turn almost any rewards idea into a reality.

The Not so Good

The annual fee with this card is rather large, at $450, but that's why it comes with so many rewards and added benefits. You also need excellent credit to qualify.

Editorial Note: This content is not provided by Citibank. Any opinions, analyses, reviews, or recommendations expressed on this page are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by Citibank.

Consumer Reviews

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26 Total Ratings

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