Citi Prestige Card Review

Citi Prestige Card is a cashback credit card issued by Citibank. 

Good credit. This card is designed for people with good credit. The minimum credit score to apply is 700.

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.

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 3% for purchases in a bonus category.

This card features rewards for purchases in the following categories:

• Airfare
• Every Purchase
• Hotels
• Restaurants

Citi Prestige Card Rewards

Rewards rate (all purchases)	1%
Max rewards rate	3%
Annual rewards limit	N/A
Signup Bonus ($)	N/A
Annual Loyalty Bonus	$250
Annual Loyalty Bonus Spend Requirement	$250

What are the Citi Prestige Card benefits?

Citi Prestige Card provides the following benefits:

• Emergency Support
• Extended Warranty Protection
• Trip Cancellation Insurance
• Fraud Liability
• Price Protection
• Travel Assistance
• Global Entry
• ID Theft Protection
• Reports to major credit bureaus

What are the relevant APRs for Citi Prestige Card?

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 17.24% up to 25.24%.

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.

What are the Citi Prestige Card fees?

$450 Annual Fee. Citi Prestige Card charges an annual fee of $450. No 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.

The following fees apply to Citi Prestige Card:

Citi Prestige Card Fees

Fees	Amount
Annual Fee	$450
Overlimit Fee	$0
Foreign Transaction Fee	0%
Balance Transfer Fee	3%
Minimum Balance Transfer Fee	$5
Returned Payment Fee	$35
Late Payment Fee	$35

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 and on-time payments on a credit card that reports your account activity to credit bureaus will demonstrate that you consistently manage debt well and can help increase your credit scores.

How to apply for Citi Prestige Card

• Visit the Citibank website.
• Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, annual income, and source of employment.
• 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.