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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

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  
Late Payment Penalty $35
Returned Payment Fee $35
Minimum Interest Charge $0.50
Annual Fee $450
Balance Transfer Fee % 3%
Balance Transfer Fee Minimum $5
Minimum Age 18
Credit Score Range 700 - 850
850 300 700
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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