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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 25 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 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
Your Mileage May Vary

What to think of the Citi Prestige? It’s a great card to earn 5x ThankYou points on dining. I won’t use it for airfare because it provides no travel coverage for delays, cancellations or lost/delayed baggage. It’s a good card to pay for hotels but I get the same amount of points from the less expens...

- Your Mileage May Vary

The Citi Prestige Card is a good choice for frequent travelers, and its spread of perks and benefits can go far in reducing the $495 annual fee. Plus, you can redeem your rewards for travel, cash back and more, including transfers to airline partners. But before applying, you should compare other tr...

- Holly Johnson, NextAdvisor
One Mile at a Time

The Citi Prestige is a card that I personally have, though it’s not as useful as it used to be, and I’m increasingly questioning whether it’s worth keeping. The card does offer some useful perks, like a $250 annual travel credit, a Priority Pass membership, 5x points on dining, and more. At this poi...

- Ben, One Mile at a Time

You can’t spell “Prestige” without the letters in “trip.” And you might be able to take a few of those for free, thanks to the Citi Prestige Card. That is, of course, if you can handle one to the bank to fetch some cash for the card’s steep annual fee.

- John S Kiernan, WalletHub


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

$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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