Finder is committed to editorial independence. While we receive compensation when you click links to partners, they do not influence our opinions or reviews. Learn how we make money.

Citi Premier℠ Card vs. Citi Prestige® Credit Card

Updated

Fact checked
Please note: Citi is an advertising partner of finder.com

Citi Premier℠ Card

Citi Premier℠ Card

Rates & Fees

Citi Prestige® Credit Card

Citi Prestige® Credit Card

Rates & Fees

finder.com's rating
finder.com's rating

★★★★★

4.3 / 5.0

★★★★★

3.4 / 5.0
Best for
Best for
  • Rewards on travel and everyday purchases
  • Travel credits and strong rewards rates
Welcome offer
Welcome offer

60,000 points after spending $4,000 in the first 3 months

50,000 points after spending $4,000 in the first 3 months

Rewards
Rewards

3x points at restaurants, supermarkets, gas stations, flights and hotels and 1x points on everything else

5x points on flights and dining, 3x points on hotels and cruises and 1x points on all other purchases

Purchase APR
Purchase APR

15.99% to 23.99% variable

16.99% to 23.99% variable

Annual fee
Annual fee $0 intro annual fee the first year, then $95 $495
Balance transfer APR
Balance transfer APR 15.99% to 23.99% variable

16.99% to 23.99% variable

Cash advance
Cash advance

APR: 25.24% variable

Fee: $10 or 5% of the transaction, whichever is greater

APR: 25.24% variable

Fee: $10 or 5% of the transaction, whichever is greater

Foreign transaction fee
Foreign transaction fee None None
Late payment fee
Late payment fee Up to $40 Up to $40
Additional cardholder fee
Additional cardholder fee $0 $75
Interest-free period
Interest-free period 23 days 23 days
Minimum interest
Minimum interest $0.50 $0.50
Minimum credit score
Minimum credit score 740 670
Card type
Card type Credit Credit
Learn more
Learn more

Summary of card features

Citi Premier℠ Card

Citi Premier℠ Card

  • Strong signup bonus
  • Earn accelerated points on dining, groceries, gas, flights and hotels
  • No foreign transaction fees on purchases

Citi Prestige® Credit Card

Citi Prestige® Credit Card

  • Signup bonus. 50,000 bonus points after spending $4,000 in the first 3 months of account opening. Reward points. 5x points on air travel and restaurants, 3x points on hotels and cruises and 1x points on all other purchases.
  • Complimentary fourth night. Book four consecutive nights at a hotel through ThankYou.com and get a complimentary fourth night stay twice every year.
  • Annual travel credit. Get up to $250 travel credit every calendar year.
  • VIP lounge access. Priority Pass Select lounge access to hundreds of VIP lounges.

Compare credit cards

Name Product Welcome offer Rewards Annual fee Filter values
Chase Freedom Flex℠
$200 after spending $500 in the first 3 months, plus 5% cash back at grocery stores on up to $12,000 in the first year
5% back in rotating categories up to $1,500 combined each activated quarter (then 1%), 5% on travel purchased through Chase, 3% on dining and drugstores, and 1% on all other purchases
$0
Get up to 5% cashback in rotating and newly added everyday categories. The refreshed Freedom Flex card has lots of earning potential.
Blue Cash Everyday® Card from American Express
$150 after spending $1,000 in the first 3 months
2% at US gas stations and select US department stores, 3% at US supermarkets on up to $6,000 per year, then 1% after that and on all other purchases
$0
Get 3% cash back on groceries on up to $6,000 annually (then 1%) with no annual fee. This is a simple and effective rewards card. Rates & fees
Blue Cash Preferred® Card from American Express
$250 after spending $1,000 in the first 3 months
6% on select US streaming services, 3% on transit and US gas stations, 6% at US supermarkets on up to $6,000 annually, then 1% after that and on all other purchases
$95
Perfect for families: Get up to 6% on everyday purchases and a welcome offer worth $250. This heavy-hitter rewards card has uncontested value. Rates & fees
Chase Sapphire Preferred® Card
80,000 points after spending $4,000 in the first 3 months, a value of up to $1,000 through Chase Ultimate Rewards
5x points on Lyft, 2x points on travel and dining and 1x points on all other purchases
$95
Earn a huge signup bonus worth $$1,000 with this popular travel card. Combine with other Chase Ultimate Rewards cards for even greater value.
Citi® Double Cash Card
N/A
Up to 2% cash back on purchases (1% when you buy plus 1% as you pay)
$0
Earn up to 2% on every purchase with no annual fee. This is the highest flat-rate cashback card on the market.
loading

Compare up to 4 providers

Ask an Expert

You are about to post a question on finder.com:

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder.com provides guides and information on a range of products and services. Because our content is not financial advice, we suggest talking with a professional before you make any decision.

By submitting your comment or question, you agree to our Privacy and Cookies Policy and finder.com Terms of Use.

Questions and responses on finder.com are not provided, paid for or otherwise endorsed by any bank or brand. These banks and brands are not responsible for ensuring that comments are answered or accurate.
Go to site