Citi Prestige Card
in Personal Credit Cards from Citibank
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| Purchase APR (Variable APR) | 16.99% - 23.99% |
| Balance Transfer APR (Variable APR) | 16.99% - 23.99% |
| Credit Score Range | 700 - 850 |
| Annual Fee | $495 |
Citi Prestige Card Review
Citi Prestige Card is a cashback credit card issued by Citibank. 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.
Key takeaways:
- Generous reward rate. You will get a a rewards rate of 5 points per dollar spent.
- Signup bonus. Offers a signup bonus of 50000 points after spending $4,000 within 3 months that can be redeemed for travel, gifts, or other perks.
- Competitive APRs. Citi Prestige Card has a variable purchase APR that ranges from 16.99% up to 23.99%.
- 3% Balance transfer fee. Citi Prestige Card charges a fee of up to 3% on balance transfers. For example, a balance of $1,000 could cost up to $30 in transfer fees. The minimum fee is $5.
- $0 foreign transaction fee. This card does not charge foreign transaction fees, which makes a great credit card to carry with you when traveling abroad.
- Multiple credit card benefits. Includes generous credit card perks, such as emergency support, Global Entry / TSA Precheck Fee Credit, and fraud protection.
- Good or better credit required. You should probably try with another card if your credit score is below 700.
Citi Prestige Card Pros and Cons:
| The Good | The Bad |
|---|---|
|
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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 $10 back in cash. However, you can earn up to 5% for purchases in a bonus category.
| Rewards rate (all purchases) | 1% |
| Max rewards rate | 5% |
| Annual rewards limit | N/A |
| Signup Bonus ($) | N/A |
| Signup Bonus (Points/Miles) | 50000 |
| Signup Bonus Spend Requirement | $4000 |
| Signup Bonus Spend Period (months) | 3 months |
| 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. However, it does include a 50000 points signup bonus after spending $4000 that can be redeemed for travel, gifts, or other perks.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:
- Free Credit Score
- Emergency Support
- Zero fraud liability
- Cellular Telephone Protection
- ID Theft Protection
- Reports to major credit bureaus
What are the relevant APRs for Citi Prestige Card?
According to the Federal Reserve Board, the average interest rate is 15% for all credit cards and 17% for accounts that carry a balance.Citi Prestige Card has a variable purchase APR that ranges from 16.99% up to 23.99%. The card has a variable balance transfer APR that ranges from 16.99% up to 23.99%. It also has a variable cash advance APR of 25.24% . 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 on balance transfers?
No, Citi Prestige Card does not come with an introductory APR offer for balance transfers.Does Citi Prestige Card have an introductory APR offer on new purchases?
Citi Prestige Card does not offer an introductory rate on new purchases.| Description | |
|---|---|
| Introductory Rate | N/A |
| Purchase Intro APR Period (months) | N/A |
What are the fees for Citi Prestige Card?
The following fees apply to Citi Prestige Card:
| Fees | Amount |
|---|---|
| Annual Fee | $495 |
| Foreign Transaction Fee | 0% |
| Returned Payment Fee | up to $40 |
| Late Payment Fee | up to $40 |
Does Citi Prestige Card have a 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.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 on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and can help improve your credit.
How to apply for Citi Prestige Card
- Visit the Citi Prestige Card website.
- Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
- 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.
If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.
Contact
- Headquarters
-
388 Greenwich Street
New York, NY 10013 - Visit Site
Other Services by Citibank
Availability
- 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
| Airfare (Points) | 5 |
| Every Purchase (Points) | 5X points on air travel and restaurant, 3X points on hotels and cruise lines, and 1X points on all other purchases. |
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