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Citi Prestige® Credit Card review

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Advertiser Disclosure

Annual Fee
$495.00
Interest Rate: Purchases
16.99% ‐ 23.99% (Variable)
Interest Rate: Purchases
16.99% ‐ 23.99% (Variable)
Balance Transfer
16.99% ‐ 23.99% (Variable)
Balance Transfer
16.99% ‐ 23.99% (Variable)
Rewards
1 - 5 points
Rewards
1 - 5 points
Signup Bonus
50000 points (after spending $4,000)
Signup Bonus
50000 points (after spending $4,000)


8.1/10
Informr score
The Citi Prestige® Credit Card currently has an Informr score of 8.1 out of 10. This score is based on our evaluation of 28 sources including reviews from users and the web's most trusted critics.

Am I eligible?


Citi Prestige® Credit Card is typically available to those with excellent credit scores (650 or greater).
To get this card, you must also:
Yes Be a permanent or temporary resident of USA

Note: This information is only intended as a guide. The final decision is up to the bank and your application could still be rejected even if you can answer 'Yes' to all the minimum criteria above. Always consider your options and your financial situation before you apply for a credit card.

What the Critics Are Saying...


FinanceBuzz
FinanceBuzz

The Citi Prestige card is aimed at those who have excellent credit and are looking for more high-end experiences from their travel credit card. With travel perks like a free night twice per year, an annual travel credit, and Priority Pass lounge access plus this card's ability to quickly earn travel...

- Robin Kavanagh, FinanceBuzz
CreditCards.com
CreditCards.com

Luxury travelers should enjoy the Citi Prestige card’s solid list of benefits, including its robust set of travel protections and a fourth night free on hotel stays up to twice per year.

- Emily Sherman, CreditCards.com
MyBankTracker
MyBankTracker

If you spend a lot of time traveling, a travel rewards credit card can be your best friend. Depending on the card, you could earn miles or points towards free travel, plus cash in on things like priority boarding or free checked bags.

- Rebecca Lake, MyBankTracker
The Balance
The Balance

Citi is no longer accepting new applications for the Prestige card. However, they will continue to serve current Prestige cardholders. Earn 50,000 bonus points after spending $4,000 within 3 months of account opening.

- Holly D. Johnson, Michael Rosenston, The Balance
Upgraded Points
Upgraded Points

At this time, the Citi Prestige card is no longer available for new applicants.  A $250 airline travel credit helps offset the steep $495 annual fee of the Citi Prestige card. Also enjoy zero foreign transaction fees, a Global Entry fee credit, and complimentary Priority Pass access!

- Alex Miller, Upgraded Points

Details


Interest Rates
Regular APR Interest Rate 16.99% ‐ 23.99% (Variable)

This APR will vary with the market based on the Prime Rate.

Balance Transfer Interest Rate 16.99% ‐ 23.99% (Variable)

This APR will vary with the market based on the Prime Rate.

Cash Advance Interest Rate 25.24% (Variable)

This APR will vary with the market based on the Prime Rate.

Rates & Fees
Annual Fee $495.00
Balance Transfer Fee 3%

Minimum of $5

Cash Advance Fee 5%

Minimum of $10

Foreign Transaction Fee $0.00
Over Limit Fee $0.00
Late Payment Fee $40.00

Maximum

Promotions
Sign up bonus 50000 points after spending $4,000

On purchases within the first 3 months.

Rewards
All Purchases 1 point per $1 spent
Restaurants 5 points per $1 spent
Gas No
Groceries No
Hotels 3 points per $1 spent
Travel 5 points per $1 spent
Pharmacy No
Bills No
Additional Details

3 points per $1 spent on Cruise Lines

Features & Benefits
Additional Card Holders

$75/year per card

Travel Accident Insurance No
Car Rental Insurance No
Car Rental Discount No
Extended Warranty No
Purchase Protection No
Zero Liability Yes
No Foreign Transaction Fees Yes
Emergency Assistance No
Concierge Service Yes
Price Protection No
Fraud Protection Yes
Free Credit Scores No
Wireless Payments Apple Pay
Virtual Cards Yes
Additional Benefits
  • Complimentary 4th Night Hotel Stay (capped at 2 times a year)
  • Complimentary access to hundreds of VIP lounges through Priority Pass Select
  • Up to $250 Travel Credit Every Calendar Year (purchases made with the card at supermarkets and restaurants,including takeout, also count)
  • Phone Insurance
  • Banking Relationship Annual Credit
Eligibility
Minimum Security Deposit $0
Minimum Age 18
Minimum Personal Income
Temporary Residents No
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Additional comments -
Terms & Conditions Official Terms & Conditions
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