Please note: This card has been discontinued and is not currently accepting new applications.

Last updated: 7/16/2021

Citi Prestige

Earns: Citi Thank You Points

GigaTake:

Citi’s entry to the ultra-premium card race, competing against the Chase Sapphire Reserve and American Express Gold. Its 5x points for air travel and restaurant spending is nearly unmatched and the complimentary 4th hotel night can be hugely valuable. But it has a high annual fee ($450) and ThankYou points aren’t the most flexible.

This card is best for:

  • Dining
  • Hotels
  • Airlines

Here’s how much you would earn with this card

(Based on spending from {{earliestTransactionDate | date}} through {{latestTransactionDate | date}})

You could earn Worth Plus Welcome Bonus Total
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per year
${{totalPointsYouCouldEarnValue | number}} {{welcomeBonus | number}} points
worth ${{welcomeBonusValue | number}}
${{totalValueToUser | number}}

How’d we figure that out?

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${{categoryBonusAmount.bonus | number}}{{categoryBonusAmount.category }} ({{categoryBonusAmount.multiplier}}%x)

${{categoryDiscount.discount | number}}{{categoryDiscount.category}} Credit

${{merchantCreditAmount | number}}Merchant Discounts

${{welcomeBonusAmount | number}}Welcome Bonus


Annual Fee${{annualFeeAmount | number}}

All Other ({{card.card.earning_rate}}%x) All Spending ({{card.card.earning_rate}}%x) ${{basePointsAmount | number}}

Merchant Bonus ({{merchantsBonusAmounts[0].multiplier}}%x)${{merchantBonusAmount | number}}

{{categoryBonusAmount.category }} ({{categoryBonusAmount.multiplier}}%x)${{categoryBonusAmount.bonus | number}}

Welcome Bonus${{welcomeBonusAmount | number}}

Pros

  • Some of the best returns for dining, airlines and hotels, 5 points per dollar spent.
  • $250 travel credit offsets half the annual fee.
  • Fourth night free on hotels stays booked through Citi.

Cons

  • $495 annual fee.
  • Citi ThankYou Points have fewer transfer partners than some kinds of points.

See how the Citi Prestige compares to other credit cards

Citi Prestige Other Cards


Hover the dots to view other Credit Cards

Reward Rate = 5x

Value = 1.4 cents per point
Effective Value = 7 %

0%
9%

Reward Rate = 5x

Value = 1.4 cents per point
Effective Value = 7 %

0%
7%

Reward Rate = 3x

Value = 1.4 cents per point
Effective Value = 4.2 %

0%
5%

Reward Rate = 1x

Value = 1.4 cents per point
Effective Value = 1.4 %

0%
3%

Welcome Bonus = 50,000

Value = 1.4 cents per point
Effective Value = $700

$0
$1800

Annual Fee = $495

$0
$995
Welcome Bonus
50,000

Good

Bonus Rating

Good

In the top 50% of cards.

Points

After you spend $4,000 in 3 months

GigaInfo about Welcome Bonuses Welcome Bonuses 101 Article
Spending Rewards
5x Airlines

Excellent

excellent

Excellent

In the top 15% of cards.

5x Dining

Excellent

excellent

Excellent

In the top 15% of cards.

3x Hotels

Excellent

excellent

Excellent

In the top 15% of cards.

3x Cruises

Excellent

excellent

Excellent

In the top 15% of cards.

1x All Other

OK

OK

Is this card right for me?

That depends on your individual spending patterns. We have a tool that figures it out for you. Learn what you could earn.

Program Name
Citi Thank You Points
Gigapoints Value
1.4¢ per point
0.4¢ PER POINT
2¢+ PER POINT
Annual Fee
  • $495
Use this card for…

You can earn more rewards by using different cards for different purchases. We built a tool that tells you which card to use, when. Just plug in your favorite brand, store, or category to find out which card pays the most.

Use the Best Card For tool Go

Additional perks of owning this card

Complimentary 4th Night Hotel Stay

Complimentary 4th Night at a hotel of your choice after a minimum 4 consecutive night booking through ThankYou.com (based on your average night stay, exclusive of taxes and fees). Cannot be used more than two times per year.

Up to $250 Travel Credit Every Calendar Year

There’s no need to enroll, your credit is applied automatically to eligible travel purchases.

VIP Lounge Access

Enjoy complimentary access to hundreds of VIP lounges through Priority Pass Select.

Cell Phone Protection

With this new card benefit, if your phone is stolen or suffers certain damages, you can be reimbursed for the cost to repair or replace your phone. Coverage includes up to $1,500 in total, yearly benefits for up to 5 phones on your monthly bill.

The Fine Print

PURCHASES APR 16.99% to 23.99%
BALANCE TRANSFER APR 16.99% to 23.99%
BALANCE TRANSFER FEE Either $5 or 3% of the amount of each transfer, whichever is greater.
CASH ADVANCE APR 25.24%
CASH ADVANCE FEE Either $10 or 5% of the amount of each transaction, whichever is greater.
LATE PAYMENTS Up to $40.
FOREIGN TRANSACTION FEE 0%