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Citi Prestige Card

in Personal Credit Cards

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Citi Prestige Card

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Overview

Who is the Citi Prestige Card?

The Citi Prestige card is designed for high-end frequent fliers with excellent credit who want to earn extra rewards on their travel purchases and value luxury travel benefits. The high annual fee will be prohibitive for many, but if you travel abroad with any regularity, this prime card quickly pays for itself in first-class benefits.

What are the Rates?

The Citi Prestige has a fixed rate ranging from 17.24% to 25.24% APR for purchases and balance transfers.

What Are the Fees?

The Citi Prestige has a $450 annual fee, which isn't waived the first year. If you're wondering what could possibly justify such a large annual fee, read on.

What Is the Rewards Program Like?

The Citi Prestige has generous and flexible travel rewards program. There are no points cap and points never expire. The rewards rates are 3 points for every $1 spent on air travel and hotel purchases, 2 points for every $1 spent on dining and entertainment and one point for all other purchases.

Cardholders can redeem points for travel, electronics, statement credits, gift cards or even transfer them to other travel loyalty programs, such as Flying Blue Air France, Virgin Atlantic and Hilton Honors. However, smart members will use their points to pay for air travel through Citi's ThankYou travel center. If you use your points to pay for air travel, your points are worth 33% more. The air travel bonus increases to 60% when used to purchase American Airlines and US Airways flights.

What about the Signup Bonus?

There is no signup bonus. 

Any Other Benefits?

The big selling point of this card is the huge list of travel perks it includes. The Citi Prestige Card may be expensive but it includes prime benefits such as

- $250 in air travel credit - Complimentary 4th night for any hotel stay - Access privileges to Admirals Club lounges - Global entry $100 credit - Worldwide concierge

It also includes valuable benefits included in most travel rewards cards, such as fraud protection, price rewind, and medical evacuation.

How Is It Better Than Other Credit Cards?

The Citi Prestige is a prime credit card stacked with luxury travel benefits. The annual fee may be high, but the air travel credit, the complimentary 4th night, the access to airport lounges and the travel insurances included make it a deal for frequent travelers who like to do so in style.

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...

Availability

Available in 50 States and Washington, DC
  • 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
23
Over-Limit Fee
$0
Foreign Currency Transaction Fee
0%
No Foreign Transaction Fee
Late Payment Penalty
$35
Returned Payment Fee
$35
Minimum Interest Charge
$0.50
Annual Fee
$450
Military Status
  • Active Duty Military
  • Military Dependent
  • Non-Military
  • Veterans
Credit Score Range
700 - 850
850 300 700
Supported Income Types
  • 1099 Misc. Income
  • Cash
  • Direct Deposit (W2, SSA, SSDI)
  • Payroll Check or Prepaid Card
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
  • Unemployed
Minimum Age
18
Customer Type
Personal
Credit Card Benefits
  • Emergency Support
  • Extended Warranty Protection
  • Fraud Liability
  • Global Entry
  • ID Theft Protection
  • Price Protection
  • Travel Assistance
  • Trip Cancellation Insurance
Car Rental Insurance
Fraud Liability
Travel Insurance
Emergency Support
Flight Insurance
Lost Luggage Insurance
Rewards Categories
  • Airfare
  • Entertainment
  • Every Purchase
  • Hotels
  • Restaurants
All Other Purchases
1x
Every Purchase
2x dining & entertainment, 3x air travel & hotels
No Reward Expiration Period
Annual Loyalty Bonus
$250
Annual Loyalty Bonus Spend Requirement
$250
Cash Advance APR
(Variable APR)
Starting at
26.74%
Purchases APR
(Variable APR)
17.24% - 25.24%
0% 29%
Balance Computation
daily balance (including current transactions)
Penalty APR
29.99%
Balance Transfer APR
(Variable APR)
17.24% - 25.24%
8% 29%
Transfer Fee
3%
Transfer Fee Minimum
$5
Transfer Fee
3%

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