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  Citi Prestige Card

Citi Prestige Card

in Personal Credit Cards from Citibank

Unaffiliated

Citi Prestige Card

Unaffiliated

in Personal Credit Cards from Citibank

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Highlights
Highlights
Annual Fee $450
Purchase APR (Variable APR) 17.24% - 25.24%
Balance Transfer APR (Variable APR) 17.24% - 25.24%
Credit Score Range 700 - 850

Citi Prestige Card Review

Citi Prestige Card is a cashback credit card issued by Citibank. 

Good credit. This card is designed for people with good credit. The minimum credit score to apply is 700.

If you're wondering whether Citi Prestige Card is the right card for you, read on. This is everything you need to know to make a good choice.

Is there a Citi Prestige Card cash back or rewards program?

Citi Prestige Card is a cashback card. This means you earn a percentage of your purchase as a cash reward. With Citi Prestige Card you receive 1% cash back on every purchase. For example, if you buy a $1,000 laptop, you will receive $10 back in cash. However, you can earn up to 3% for purchases in a bonus category.

Citi Prestige Card Rewards
Rewards rate (all purchases) 1%
Max rewards rate 3%
Annual rewards limit N/A
Signup Bonus ($) N/A
Annual Loyalty Bonus $250
Annual Loyalty Bonus Spend Requirement $250

Does Citi Prestige Card have a signup bonus?

Citi Prestige Card doesn't offer a cash signup bonus.

Does Citi Prestige Card offer an annual loyalty bonus?

Yes, Citi Prestige Card offers card users an annual bonus worth up to $250 after spending $250.

What are the Citi Prestige Card benefits?

Citi Prestige Card provides the following benefits:

  • Emergency Support
  • Extended Warranty Protection
  • Trip Cancellation Insurance
  • Fraud Liability
  • Price Protection
  • Travel Assistance
  • Global Entry
  • ID Theft Protection
  • Reports to major credit bureaus

What are the relevant APRs for Citi Prestige Card?

Citi Prestige Card has a variable purchase APR that ranges from 17.24% up to 25.24%. The card has a variable balance transfer APR that ranges from 17.24% up to 25.24%.

It also has a variable cash advance APR starting at 26.74% . Note that late payments are subject to an APR of 29.99% if you are late or miss your payments. Typically, the penalty APR applies for a minimum of six months but can go on indefinitely.

Does Citi Prestige Card have an introductory APR offer?

No, Citi Prestige Card does not come with an introductory APR offer for balance transfers. Citi Prestige Card does not offer an introductory rate on new purchases.
Citi Prestige Card Rates & Terms
Purchase APR 17.24% - 25.24%
Balance Transfer APR 17.24% - 25.24%
Cash Advance APR Starting at 26.74%
Penalty APR 29.99%

What are the Citi Prestige Card fees?

$450 Annual Fee. Citi Prestige Card charges an annual fee of $450. No foreign transaction fee. Citi Prestige Card does not charge foreign transaction fees. If you are a frequent traveler, this can save you hundreds of dollars in credit card fees when you travel out of the country.

The following fees apply to Citi Prestige Card:

Citi Prestige Card Fees
Fees Amount
Annual Fee $450
Overlimit Fee $0
Foreign Transaction Fee 0%
Balance Transfer Fee 3%
Minimum Balance Transfer Fee $5
Returned Payment Fee $35
Late Payment Fee $35

Does Citi Prestige Card report your account activity to credit bureaus?

Citi Prestige Card reports your account activity to the following credit reporting agencies:

  • Equifax
  • Experian
  • Transunion

Making regular and on-time payments on a credit card that reports your account activity to credit bureaus will demonstrate that you consistently manage debt well and can help increase your credit scores.

How to apply for Citi Prestige Card

  • Visit the Citibank website.
  • Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, annual income, and source of employment.
  • Check the information is accurate and submit your application.
  • If you're denied click here to find out why your application may have been rejected and what you can do about it.
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Availability

Alaska Alabama Arkansas Arizona California Colorado Connecticut Washington, D.C. Delaware Florida Georgia Hawaii Iowa Idaho Illinois Indiana Kansas Kentucky Louisiana Massachusetts Maryland Maine Michigan Minnesota Missouri Mississippi Montana North Carolina North Dakota Nebraska New Hampshire New Jersey New Mexico Nevada New York Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Virginia Vermont Washington Wisconsin West Virginia Wyoming
  Available in 50 states and Washington, D.C.
  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • Washington, DC
  • Florida
  • Georgia
  • Hawaii
  • Idaho
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Kentucky
  • Louisiana
  • Maine
  • Maryland
  • Massachusetts
  • Michigan
  • Minnesota
  • Mississippi
  • Missouri
  • Montana
  • Nebraska
  • Nevada
  • New Hampshire
  • New Jersey
  • New Mexico
  • New York
  • North Carolina
  • North Dakota
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Vermont
  • Virginia
  • Washington
  • West Virginia
  • Wisconsin
  • Wyoming

Feature Breakdown

Grace Period for Late Payment (Days) 23
Over-Limit Fee $0
Foreign Currency Transaction Fee 0%
No Foreign Transaction Fee  
Returned Payment Fee $35
Minimum Interest Charge $0.50
Annual Fee $450
Late Fee Amount $35
Balance Transfer Fee % 3%
Balance Transfer Fee Minimum $5
Minimum Age 18
Credit Score Range 700 - 850
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
  • Unemployed
Military Status
  • Active Duty Military
  • Military Dependent
  • Non-Military
  • Veterans
Supported Income Types
  • 1099 Misc. Income
  • Cash
  • Direct Deposit (W2, SSA, SSDI)
  • Payroll Check or Prepaid Card
Customer Type Personal
Car Rental Insurance  
Fraud Liability  
Travel Insurance  
Emergency Support  
Flight Insurance  
Lost Luggage Insurance  
Credit Card Benefits
  • Emergency Support
  • Extended Warranty Protection
  • Fraud Liability
  • Global Entry
  • Identity Theft Protection
  • Price Protection
  • Travel Assistance
  • Trip Cancellation Insurance
All Other Purchases 1x
Every Purchase 2x dining & entertainment, 3x air travel & hotels
No Reward Expiration Period  
Rewards Categories
  • Airfare
  • Entertainment
  • Every Purchase
  • Hotels
  • Restaurants
Annual Loyalty Bonus $250
Annual Loyalty Bonus Spend Requirement $250
Purchase APR (Variable APR) 17.24% - 25.24%
Cash Advance APR (Variable APR) Starting at 26.74%
Balance Computation daily balance (including current transactions)
Penalty APR 29.99%
Balance Transfer APR (Variable APR) 17.24% - 25.24%

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