SuperMoney 
  Citi Prestige Card

Citi Prestige Card

in Personal Credit Cards from Citibank

Unaffiliated

Citi Prestige Card

Unaffiliated

in Personal Credit Cards from Citibank

Not enough votes for recommendation

Not enough votes for recommendation

Cast your vote
Cast your vote

Would you recommend Citi Prestige Card to your friends?

Thanks for your vote!

Thanks for your vote!

You voted: May or may not recommend

Highlights
Highlights
Balance Transfer APR  (Variable APR) 18.74% - 25.74%
Credit Score Range 700 - 850
Annual Fee $495
Purchase APR  (Variable APR) 17.24% - 25.24%

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.

  • Rewards program. This credit card offers rewards on your purchases, but you will have to pay an annual fee of up to $495 for the privilege.
  • Generous reward rate. You can get a rewards rate of up to 5%.
  • High APRs. This is not a great card for people who carry a balance. It has a variable purchase APR that ranges from 17.24% up to 25.24%.
  • Great for travel. This card does not charge foreign transaction fees, which makes a great credit card to carry with you when traveling abroad.
  • Good or better credit required. You should probably try with another card if your credit score is below 700.
  • Multiple credit card benefits. Includes generous credit card perks, such as emergency support, Global Entry / TSA Precheck Fee Credit, and fraud protection.
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.
  • No foreign transaction fee.
  • Earn rewards on every purchase.
  • Citi Prestige Card reports to multiple credit bureaus.
  • Cardholders can earn rewards on their purchases.
  • Free access to your credit score.
  • Global Entry / TSA Precheck Fee Credit.
  • There is a high annual fee of $495 to consider when applying this card
  • Higher than average purchase APRs.
  • Charges an annual fee of up to $495.
  • Does not offer a signup bonus.

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.

Citi Prestige Card Rewards
Rewards rate (all purchases) 1%
Max rewards rate 5%
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:

  • 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 higher than average purchase APRs.

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 18.74% up to 25.74%. 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 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.

What are the Citi Prestige Card fees?

The following fees apply to Citi Prestige Card:

Citi Prestige Card Fees
Fees Amount
Annual Fee $495
Foreign Transaction Fee 0%
Balance Transfer Fee 3%
Minimum Balance Transfer Fee $5
Returned Payment Fee up to $39
Late Payment Fee up to $39

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 score.

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.

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

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

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
Foreign Currency Transaction Fee 0%
No Foreign Transaction Fee  
No Interest Grace Period for Late Payment 23
Cash Advance Fee Minimum $10
Cash Advance Fee (%) 5%
Annual Fee $495
Minimum Interest Charge $0.50
Returned Payment Fee Up to $39
Balance Transfer Fee Minimum $5
Balance Transfer Fee % 3%
Late Fee Amount Up to $39
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
Card Type
  • Bonus Offers
  • Cashback
  • Rewards
  • Travel
Card Network
  • Mastercard
Credit Bureau Reporting
  • Equifax
  • Experian
  • TransUnion
Emergency Support  
Fraud Liability  
Car Rental Insurance  
Credit Card Benefits
  • Cellular Telephone Protection
  • Emergency Support
  • Fraud Liability
  • Free Credit Score
  • Global Entry / TSA Precheck Fee Credit
  • Identity Theft Protection
Free FICO Score  
Annual Airline Credit Up to $250
Bonus Rewards Earn 50,000 Bonus Points after spending $4,000 within 3 months of account opening
Annual Loyalty Bonus $250
Annual Loyalty Bonus Spend Requirement $250
No Reward Expiration Period  
Rewards Categories
  • Airfare
  • Entertainment
  • Every Purchase
  • Hotels
  • Restaurants
  • Travel
Cash Advance APR (Variable APR) Starting at 26.74%
Purchase APR (Variable APR) 17.24% - 25.24%
Balance Computation daily balance (including current transactions)
Penalty APR 29.99%
Balance Transfer APR (Variable APR) 18.74% - 25.74%

Be the first to rate

 

Would you recommend Citi Prestige Card to your friends?

Before we publish your vote:

Please explain your vote by sharing your experience.

Writing a review increases the credibility of your vote and helps your fellow users make a better-informed decision.

Please write a review to submit your vote
Cancel my vote
(will require moderator approval)

Other Personal Credit Cards

Merrick Bank Double Your Line™ Platinum Visa® Credit Card
Rating not yet determined In our efforts to provide the community with the most accurate information, recommendation rating is not determined until a sufficient number of SuperMoney users cast their vote

2 Reviews

Deserve Classic Mastercard
Mostly recommended

6 Reviews

Citibank Personal Credit Cards

Product

Reviews

Balance Transfer APR

Credit Score Range

Annual Fee

Purchase APR

Costco Anywhere Visa Card by Citi

Costco Anywhere Visa Card by Citi

Rating not yet determined

2 total votes
In our efforts to provide the community with the most accurate information, recommendation rating is not determined until a sufficient number of SuperMoney users cast their vote
Balance Transfer APR 16.99% Variable APR
Credit Score Range 650 - 850     300 850
Annual Fee $0 Annual Fee
Purchase APR 16.99% Variable APR
Citi Double Cash Card

Citi Double Cash Card

Rating not yet determined

1 total votes
In our efforts to provide the community with the most accurate information, recommendation rating is not determined until a sufficient number of SuperMoney users cast their vote
Balance Transfer APR 15.74% - 25.74%
(Variable APR)
    5% 29% Variable APR
Credit Score Range 680 - 850     300 850
Annual Fee $0 Annual Fee
Purchase APR 15.74% - 25.74%
(Variable APR)
    0% 36% Variable APR
Sears Shop Your Way Mastercard®

Sears Shop Your Way Mastercard®

Rating not yet determined

2 total votes
In our efforts to provide the community with the most accurate information, recommendation rating is not determined until a sufficient number of SuperMoney users cast their vote
Maximum Balance Transfer APR 27.24% Maximum Variable APR
Credit Score Range 700 - 850     300 850
Annual Fee $0 Annual Fee
Maximum Purchase APR 27.24% Maximum Variable APR
My Best Buy Visa Card

My Best Buy Visa Card

Rating not yet determined

4 total votes
In our efforts to provide the community with the most accurate information, recommendation rating is not determined until a sufficient number of SuperMoney users cast their vote
Starting Balance Transfer APR 26.99% Starting Variable APR
Credit Score Range 640 - 850     300 850
Annual Fee $0 Annual Fee
Starting Purchase APR 26.99% Starting Variable APR
Citi ThankYou Preferred Card

Citi ThankYou Preferred Card

 
7
 
9 total votes
Balance Transfer APR 14.99% - 24.99%
(Variable APR)
    5% 29% Variable APR
Credit Score Range 700 - 850     300 850
Annual Fee $0 Annual Fee
Purchase APR 14.99% - 24.99%
(Variable APR)
    0% 36% Variable APR
Citi / AAdvantage Platinum Select World Elite Mastercard

Citi / AAdvantage Platinum Select World Elite Mastercard

Rating not yet determined

1 total votes
In our efforts to provide the community with the most accurate information, recommendation rating is not determined until a sufficient number of SuperMoney users cast their vote
Balance Transfer APR 17.74% - 25.74%
(Variable APR)
    5% 29% Variable APR
Credit Score Range 700 - 850     300 850
Annual Fee $99 Annual Fee
Purchase APR 17.74% - 25.74%
(Variable APR)
    0% 36% Variable APR
L.L.Bean Mastercard Credit Card

L.L.Bean Mastercard Credit Card

 
 
12
14 total votes
Balance Transfer APR 16.24% - 22.24%
(Variable APR)
    5% 29% Variable APR
Credit Score Range 700 - 850     300 850
Annual Fee $0 Annual Fee
Purchase APR 15.49% - 21.49%
(Variable APR)
    0% 36% Variable APR
Toro-Exmark Credit Card

Toro-Exmark Credit Card

Be the first to rate

Balance Transfer APR N/A Balance Transfer APR
Credit Score Range 650 - 850     300 850
Annual Fee $0 Annual Fee
Purchase APR 25.99% Variable APR
Big O Tires Credit Card

Big O Tires Credit Card

Rating not yet determined

1 total votes
In our efforts to provide the community with the most accurate information, recommendation rating is not determined until a sufficient number of SuperMoney users cast their vote
Balance Transfer APR N/A Balance Transfer APR
Credit Score Range 650 - 840     300 850
Annual Fee $0 Annual Fee
Purchase APR 30.49% Variable APR
Brand Source Credit Card

Brand Source Credit Card

Rating not yet determined

1 total votes
In our efforts to provide the community with the most accurate information, recommendation rating is not determined until a sufficient number of SuperMoney users cast their vote
Balance Transfer APR N/A Balance Transfer APR
Credit Score Range 650 - 850     300 850
Annual Fee $0 Annual Fee
Purchase APR 30.74% Variable APR
Tractor Supply Company Credit Card

Tractor Supply Company Credit Card

Rating not yet determined

2 total votes
In our efforts to provide the community with the most accurate information, recommendation rating is not determined until a sufficient number of SuperMoney users cast their vote
Balance Transfer APR N/A Balance Transfer APR
Credit Score Range 650 - 850     300 850
Annual Fee $0 Annual Fee
Maximum Purchase APR 27.99% Maximum Variable APR
Citi Rewards+ Card

Citi Rewards+ Card

Be the first to rate

Balance Transfer APR 15.24% - 25.24%
(Variable APR)
    5% 29% Variable APR
Credit Score Range 700 - 850     300 850
Annual Fee $0 Annual Fee
Purchase APR 15.24% - 25.24%
(Variable APR)
    0% 36% Variable APR
AT&T Access Card from Citi

AT&T Access Card from Citi

Be the first to rate

Balance Transfer APR 15.74% - 24.74%
(Variable APR)
    5% 29% Variable APR
Credit Score Range 700 - 850     300 850
Annual Fee $0 Annual Fee
Purchase APR 15.74% - 24.74%
(Variable APR)
    0% 36% Variable APR
Citi Premier Card

Citi Premier Card

Be the first to rate

Balance Transfer APR 17.74% - 25.74%
(Variable APR)
    5% 29% Variable APR
Credit Score Range 720 - 850     300 850
Annual Fee $95 Annual Fee
Purchase APR 17.74% - 25.74%
(Variable APR)
    0% 36% Variable APR
Macy's American Express® Card

Macy's American Express® Card

Be the first to rate

Balance Transfer APR N/A Balance Transfer APR
Credit Score Range 700 - 850     300 850
Annual Fee N/A Annual Fee
Maximum Purchase APR 27.24% Maximum Variable APR
Bjorn's Credit Card

Bjorn's Credit Card

Be the first to rate

Balance Transfer APR N/A Balance Transfer APR
Credit Score Range 650 - 850     300 850
Annual Fee $0 Annual Fee
Purchase APR 30.49% Variable APR
Macy's Credit Card

Macy's Credit Card

Be the first to rate

Balance Transfer APR N/A Balance Transfer APR
Credit Score Range 650 - 850     300 850
Annual Fee N/A Annual Fee
Maximum Purchase APR 27.49% Maximum Variable APR
Office Depot Personal Credit Account
Balance Transfer APR N/A Balance Transfer APR
Credit Score Range N/A Credit Score Range
Annual Fee N/A Annual Fee
Maximum Purchase APR 27.99% Maximum Variable APR
Bloomingdale's American Express

Bloomingdale's American Express

Be the first to rate

Balance Transfer APR N/A Balance Transfer APR
Credit Score Range 650 - 850     300 850
Annual Fee $0 Annual Fee
Purchase APR 27.24% Variable APR
Brooks Brothers Platinum Mastercard
Balance Transfer APR N/A Balance Transfer APR
Credit Score Range 650 - 850     300 850
Annual Fee $0 Annual Fee
Purchase APR 16.49% - 23.49%
(Variable APR)
    0% 36% Variable APR
Citi Simplicity Card

Citi Simplicity Card

Be the first to rate

Balance Transfer APR 16.49% - 26.49%
(Variable APR)
    5% 29% Variable APR
Credit Score Range 700 - 850     300 850
Annual Fee $0 Annual Fee
Purchase APR 16.49% - 26.49%
(Variable APR)
    0% 36% Variable APR
NTB Credit Card

NTB Credit Card

Be the first to rate

Balance Transfer APR N/A Balance Transfer APR
Credit Score Range 580 - 850     300 850
Annual Fee $0 Annual Fee
Purchase APR 21.96% - 30.49%
(Variable APR)
    0% 36% Variable APR
Citi Diamond Preferred Card

Citi Diamond Preferred Card

Be the first to rate

Balance Transfer APR 15.49% - 25.49%
(Variable APR)
    5% 29% Variable APR
Credit Score Range 700 - 850     300 850
Annual Fee $0 Annual Fee
Purchase APR 15.49% - 25.49%
(Variable APR)
    0% 36% Variable APR
Jewelers Reserve Credit Card

Jewelers Reserve Credit Card

Be the first to rate

Balance Transfer APR N/A Balance Transfer APR
Credit Score Range 700 - 850     300 850
Annual Fee $0 Annual Fee
Maximum Purchase APR 30.49% Maximum Variable APR
Exxon Mobile Business Card

Exxon Mobile Business Card

Be the first to rate

Balance Transfer APR N/A Balance Transfer APR
Credit Score Range 600 - 850     300 850
Annual Fee $0 Annual Fee
Starting Purchase APR 23% Starting Variable APR
Exxon Mobil Smart Card

Exxon Mobil Smart Card

Be the first to rate

Balance Transfer APR N/A Balance Transfer APR
Credit Score Range 650 - 850     300 850
Annual Fee $0 Annual Fee
Purchase APR 27.24% Variable APR
Quick Lane Credit Card

Quick Lane Credit Card

Be the first to rate

Balance Transfer APR N/A Balance Transfer APR
Credit Score Range 650 - 850     300 850
Annual Fee $0 Annual Fee
Maximum Purchase APR 30.49% Maximum Variable APR
Shell Fuel Rewards® Card

Shell Fuel Rewards® Card

Be the first to rate

Balance Transfer APR N/A Balance Transfer APR
Credit Score Range 650 - 850     300 850
Annual Fee N/A Annual Fee
Maximum Purchase APR 28.49% Maximum Variable APR
Shell | Fuel Rewards® Mastercard®
Balance Transfer APR N/A Balance Transfer APR
Credit Score Range 700 - 850     300 850
Annual Fee N/A Annual Fee
Maximum Purchase APR 28.49% Maximum Variable APR
Sears Card®

Sears Card®

Be the first to rate

Balance Transfer APR N/A Balance Transfer APR
Credit Score Range 650 - 850     300 850
Annual Fee N/A Annual Fee
Maximum Purchase APR 27.24% Maximum Variable APR
Staples® Personal More Account

Staples® Personal More Account

Be the first to rate

Balance Transfer APR N/A Balance Transfer APR
Credit Score Range 650 - 850     300 850
Annual Fee $0 Annual Fee
Maximum Purchase APR 29.99% Maximum Variable APR
Honda Powersports Credit Card

Honda Powersports Credit Card

Be the first to rate

Balance Transfer APR N/A Balance Transfer APR
Credit Score Range 700 - 850     300 850
Annual Fee $0 Annual Fee
Maximum Purchase APR 30.49% Maximum Variable APR
Home Depot Credit Card

Home Depot Credit Card

Be the first to rate

Balance Transfer APR N/A Balance Transfer APR
Credit Score Range 640 - 850     300 850
Annual Fee $0 Annual Fee
Purchase APR 17.99% - 26.99%
(Variable APR)
    0% 36% Variable APR
Volkswagen Service Credit Card

Volkswagen Service Credit Card

Be the first to rate

Balance Transfer APR N/A Balance Transfer APR
Credit Score Range 700 - 850     300 850
Annual Fee $0 Annual Fee
Purchase APR 30.49% Variable APR
Citi / AAdvantage Executive World Elite Mastercard
Balance Transfer APR 17.49% - 25.49%
(Variable APR)
    5% 29% Variable APR
Credit Score Range 700 - 850     300 850
Annual Fee $450 Annual Fee
Purchase APR 17.49% - 25.49%
(Variable APR)
    0% 36% Variable APR
Expedia® Rewards Card from Citi

Expedia® Rewards Card from Citi

Be the first to rate

Balance Transfer APR 16.74% - 24.74%
(Variable APR)
    5% 29% Variable APR
Credit Score Range 700 - 850     300 850
Annual Fee $0 Annual Fee
Purchase APR 16.74% - 24.74%
(Variable APR)
    0% 36% Variable APR
Citi Secured Mastercard

Citi Secured Mastercard

Be the first to rate

Balance Transfer APR 24.24% Variable APR
Credit Score Range 500 - 720     300 850
Annual Fee $0 Annual Fee
Purchase APR 24.24% Variable APR
Ford Service Credit Card

Ford Service Credit Card

Be the first to rate

Balance Transfer APR N/A Balance Transfer APR
Credit Score Range 650 - 850     300 850
Annual Fee $0 Annual Fee
Purchase APR 30.24% Variable APR
American Airline AAdvantage MileUp Mastercard
Balance Transfer APR 17.74% - 25.74%
(Variable APR)
    5% 29% Variable APR
Credit Score Range 720 - 850     300 850
Annual Fee $0 Annual Fee
Purchase APR 17.74% - 25.74%
(Variable APR)
    0% 36% Variable APR
Lincoln Owner Credit Card

Lincoln Owner Credit Card

Be the first to rate

Balance Transfer APR N/A Balance Transfer APR
Credit Score Range 650 - 850     300 850
Annual Fee $0 Annual Fee
Maximum Purchase APR 30.24% Maximum Variable APR
Goodyear Credit Card

Goodyear Credit Card

Be the first to rate

Balance Transfer APR N/A Balance Transfer APR
Credit Score Range 620 - 850     300 850
Annual Fee $0 Annual Fee
Starting Purchase APR 29.99% Starting Variable APR