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  Citi Prestige Card

Citi Prestige Card

in Personal Credit Cards from Citibank

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Citi Prestige Card

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in Personal Credit Cards from Citibank

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Highlights
Purchase APR  (Variable APR) 16.99% - 23.99%
Balance Transfer APR  (Variable APR) 16.99% - 23.99%
Credit Score Range 650 - 850
Annual Fee $495

Citi Prestige Card Review

This 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 review will provide you with with all the details you need to make a good choice.

Key Takeaways
  • Generous reward rate. You will get a rewards rate of up to 5 reward 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 3% on balance transfers. For example, a balance of $1,000 could cost $30 in transfer fees. The minimum fee is $5.
  • No foreign transaction fee. This card does not charge a fee when you make a purchase that passes through a foreign bank, or is in a currency other than the U.S. dollar (USD), which makes it a great credit card to carry when traveling abroad.
  • Multiple credit card benefits. Includes generous credit card perks, such as rental insurance, emergency support, Global Entry / TSA Precheck Fee Credit, identity theft protection, and fraud protection.
  • Fair or better credit required. You will have good approval odds if your credit score is above 650.
Pros & Cons of Citi Prestige Card
The Good The Bad
  • Complimentary 4th Night at a hotel of your choice after a minimum 4 consecutive night booking through ThankYou.com
  • Enjoy complimentary access to hundreds of VIP lounges through Priority Pass™ Selec
  • Multiple credit card perks.
  • Offers auto rental collision damage waiver.
  • Free access to your credit score.
  • Global Entry / TSA Precheck Fee Credit.
  • Identity Theft Protection.
  • No foreign transaction fee.
  • Cardholders can earn rewards on their purchases.
  • Citi Prestige Card reports to multiple credit bureaus.
  • There is a high annual fee of $495 to consider when applying this card
  • Charges an annual fee of $495
  • Charges a 3% balance transfer fee.
Citi Prestige Card FAQ

Does Citi Prestige Card have a cash back or rewards program?

This is a cashback card. This means you earn a percentage of your purchases as cash back rewards. You will receive 1% cash back on travel, dining, groceries, drugstore purchases, or any other 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.

Citi Prestige Card Rewards
Minimum rewards rate 1x
Max rewards rate 5x
Annual rewards limit 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?

This 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, it offers cardholders an annual bonus worth up to $250 after spending $250.

What are the Citi Prestige Card benefits?

It provides the following benefits:

  • Free Credit Score
  • Auto Rental Collision Damage Waiver
  • Emergency Support
  • Zero fraud liability
  • Cell Phone Protection
  • No blackout dates when redeeming miles
  • Reports to major credit bureaus

What are the relevant APRs for Citi Prestige Card?

According to the Federal Reserve Board, the average regular APR is 15% for all credit cards and 17% for accounts that carry a balance.

It 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 intro APR offer on balance transfers?

No, it does not come with an intro APR offer for balance transfers.

Does Citi Prestige Card have an intro APR offer on new purchases?

This card does not offer an intro APR rate on new purchases.

What are the fees for Citi Prestige Card?

The following fees apply:

Citi Prestige Card Fees
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?

This card does not charge foreign transaction fees. If you are a frequent traveler, avoiding foreign transaction fees can save you hundreds of dollars in fees when you travel out of the country.

What is the customer service phone number for Citi Prestige Card?

The Citi Prestige Card customer service number is (800) 950-5114.

What is the support contact email for Citi Prestige Card?

The support contact email for Citi Prestige Card is customer.help@citi.com.

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

Yes, 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 may 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 your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.

SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Availability

  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

Foreign Currency Transaction Fee 0%
No Foreign Transaction Fee
No Interest Grace Period for Late Payment 23 days
Cash Advance Fee Minimum $10
Cash Advance Fee (%) Up to 5%
Minimum Cash Advance Fee ($) Starting at $10
Annual Fee $495
Minimum Interest Charge $0.50
Returned Payment Fee Up to $40
Additional Card Fee Amount $75
Late Fee Amount Up to $40
Customer Type Personal
Minimum Age 18
Supported Income Types
  • 1099 Misc. Income
  • Cash
  • Direct Deposit (W2, SSA, SSDI)
  • Payroll Check or Prepaid Card
Military Status
  • Active Duty Military
  • Military Dependent
  • Non-Military
  • Veterans
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 650 - 850
Credit Bureau Reporting
  • Equifax
  • Experian
  • TransUnion
Credit Card Benefits
  • Cellular Telephone Protection
  • Emergency Support
  • Fraud Liability
  • Free Credit Score
  • Global Entry / TSA Precheck Fee Credit
  • Identity Theft Protection
  • Auto Rental Collision Damage Waiver
Annual Airline Credit Up to $250
Annual Loyalty Bonus $250
Annual Loyalty Bonus Spend Requirement $250
No Reward Expiration Period
No Blackout Dates
Rewards Categories
  • 3x - 5x Points on Travel
  • 5x Points on Airfare
  • 3x Points on Hotels
  • 5x Points on Restaurants
  • 1x Point on Every Purchase
Signup Bonus (points) 50,000
Cash Advance APR (Variable APR) 25.24%
Balance Computation daily balance (including current transactions).
Penalty APR (Variable APR) 29.99%
Purchase APR (Variable APR) 16.99% - 23.99%
Balance Transfer APR (Variable APR) 16.99% - 23.99%
Balance Transfer Fee Minimum $5
Balance Transfer Fee % 3%
Card Type
  • Bonus Offers
  • Cashback
  • Rewards
  • Travel
Card Network Mastercard

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