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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
Highlights
Purchase APR  (Variable APR) 16.99% - 23.99%
Balance Transfer APR  (Variable APR) 16.99% - 23.99%
Credit Score Range 700 - 850
Annual Fee $495

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.

Key takeaways:

  • Generous reward rate. You will get a a rewards rate of 5 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 up to 3% on balance transfers. For example, a balance of $1,000 could cost up to $30 in transfer fees. The minimum fee is $5.
  • $0 foreign transaction fee. This card does not charge foreign transaction fees, which makes a great credit card to carry with you when traveling abroad.
  • Multiple credit card benefits. Includes generous credit card perks, such as emergency support, Global Entry / TSA Precheck Fee Credit, and fraud protection.
  • Good or better credit required. You should probably try with another card if your credit score is below 700.

Citi Prestige Card Pros and Cons:

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.
  • Free access to your credit score.
  • Global Entry / TSA Precheck Fee Credit.
  • No foreign transaction fee.
  • Cardholders can earn rewards on every purchase.
  • Earn rewards on every purchase.
  • Citi Prestige Card reports to multiple credit bureaus.
  • Cardholders can earn rewards on their purchases.
  • There is a high annual fee of $495 to consider when applying this card
  • Requires good to excellent credit.
  • Charges an annual fee of $495
  • Charges a 3% balance transfer fee.

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
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?

Citi Prestige 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, 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 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 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.
Citi Prestige Card Purchase Intro Offer
Description
Introductory Rate N/A
Purchase Intro APR Period (months) N/A

What are the fees for Citi Prestige Card?

The following fees apply to Citi Prestige Card:

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?

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.

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

  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 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 700 - 850
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  
Bonus Rewards Earn 50,000 Bonus Points after spending $4,000 within 3 months of account opening.
Annual Airline Credit Up to $250
Annual Loyalty Bonus $250
Annual Loyalty Bonus Spend Requirement $250
No Reward Expiration Period  
Rewards Categories
  • Airfare
  • Entertainment
  • Every Purchase
  • Hotels
  • Restaurants
  • Travel
Signup Bonus (points) 50,000
Rewards Type Points
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%

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