Citi Prestige® Credit Card review

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Advertiser Disclosure

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

Informr score
The Citi Prestige® Credit Card currently has an Informr score of 8.2 out of 10. This score is based on our evaluation of 24 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...

The Wirecutter

The Citi Prestige is starting to look a whole lot better. The travel card that helped launch the high-cost, high-reward premium arms race almost a decade ago had fallen behind some of its competitors. But time can be a flat circle, and the Prestige has returned in style after the much-beloved Chase...

- Taylor Tepper, The Wirecutter

The Citi Prestige credit card is a premium travel credit card that offers a valuable bonus. While the card charges a $495 annual fee, it also offers a $250 annual travel credit, standout rewards, and a number of luxury travel perks to compensate for that cost.

- Ben Luthi, Investopedia
One Mile at a Time

The Citi Prestige is a card that I personally have, and that I still value, though not as much as I used to. Back in the day this used to be the biggest no brainer card for many of us, as the fourth night free benefit alone could be worth thousands. While that benefit now has more restrictions, ther...

- Ben, One Mile at a Time

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. You would have to travel often during the year to earn enough ThankYou points and travel credits to offset the card’s $495 annual fee. However, the benefits...

- Robin Kavanagh, FinanceBuzz
Credit Fast

Is the Citi Prestige Card Worth It? The short answer is that it depends. If you travel a lot, you could outweigh the steep annual fee. You also earn some great luxury travel benefits. So, we’d say that it is worth it for higher spenders and frequent travelers. However, if you don’t travel or spend a...

- Monica Kowollik, Credit Fast


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


Sign up bonus 50000 points after spending $4,000

On purchases within the first 3 months.

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 Yes

$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

Minimum Security Deposit $0
Minimum Age 18
Minimum Personal Income
Temporary Residents No
Additional comments
Terms & Conditions Official Terms & Conditions
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