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 | 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.
- 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.
| The Good | The Bad |
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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.
| 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:
| 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.
Contact
- Headquarters
-
388 Greenwich Street
New York, NY 10013 - (800) 950-5114
- Visit Site
- Email Support
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
| 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 |
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