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Citi Prestige® Credit Card review

Get even more points on air travel and restaurant spending.

Discontinued product

This card has been discontinued, and it is not available on our site. Compare other credit cards or take Finder's credit card quiz to find one that fits your needs.’s rating: 3.4 / 5


  • Get this card if you spend heavily on airfare and dining.
  • Pick something else if you want accelerated rewards on all travel purchases.
  • Apply with a good to an excellent credit score of 740 or higher.
Please note: Citi is an advertising partner of

All information about this card has been collected independently by Finder.

Best of 2021
Finder experts pick Citi Prestige® Credit Card as a 2021 best product for credit cards.

How to apply for the Citi Prestige® Credit Card

  1. Navigate to the Citi Prestige® Credit Card page and click Apply now.
  2. Complete the application with details such as your full name, date of birth, Social Security number, contact information and financial information.
  3. Review your details and submit your application.

The perks

  • Signup bonus: 50,000 ThankYou points.
    Earn this after making $4,000 in purchases within the first three months of account opening. According to Citi, this bonus is currently worth $500 toward travel.
  • Rewards: Up to 5x points.
    Earn a stellar rewards rate of 5x points on air travel and restaurants and 3x points on hotels and cruise lines. You’ll earn 1x points on all other purchases. Note that your accelerated points are excluded from travel categories such as car rentals, trains or taxis — points are only applicable for hotels and cruise lines.
  • Travel credits: Up to $250 every calendar year.
    Travel credits will be automatically applied to your billing statements when you use your card for eligible travel. Now, through December 2021, supermarket and restaurant packages will also count towards the $250 Travel Credit.

    This card’s credits used to apply only to air travel. Now, Citi has expanded their application to many more travel categories — including airfare, hotels, car rentals, cruises, taxis and more.

    Here’s how the card’s travel credits hold up against those of other premium travel products:

    The Chase Sapphire Reserve®Citi Prestige® Credit CardThe Platinum Card® from American Express
    Annual travel credit$300 for eligible travel purchases$250 for eligible travel purchases$200 for airline incidental fees only
  • Airport lounge access: Over 1,200 airport lounges worldwide.
    You’ll have access to these lounges when you receive a complimentary Priority Pass Select membership.

Is the annual fee worth it?

Is the $495 annual fee for the Citi Prestige® Credit Card worth it?

First, let’s look at its rewards

According to Citi, ThankYou points are worth 1 cent each when redeemed for eligible travel. You’d need 49,500 points to break even on the card’s annual fee with rewards alone.

That’s $9,900 spent on air travel or restaurants, $16,500 on hotels or cruise lines or $49,500 on other purchases.

Luckily, you don’t have to rely on spending alone to get value from it.

The Citi Prestige® Credit Card boasts other valuable features
BenefitEstimated annual value
Complimentary fourth night stay$500
Priority Pass Select membership$429
Annual travel credit$250
Global Entry or TSA PreCheck application fee credit$20

This adds up to $1,199 in annual value, which comfortably exceeds the card’s annual fee. This doesn’t even include the card’s travel or purchase protections.

You’ll also like …

  • Complimentary fourth-night hotel stay on eligible bookings.
    Get a fourth night free reward when you book a hotel stay of at least four consecutive nights through Citi’s ThankYou portal.

    Take advantage of this benefit now. Starting September 1, 2019, it’s only valid for a maximum of two times per calendar year.

  • Global Entry or TSA PreCheck application fee credit
    Pay for your Global Entry or TSA PreCheck application with your Citi Prestige® Credit Card, and you’ll receive a statement credit. You’ll receive one credit every five years.

    A Global Entry or TSA PreCheck membership lasts five years. Some travel cards offer an application credit every four years, which might help if you want to re-apply before your membership expires.

Global Entry vs. TSA PreCheck: Which should you apply for?

  • No foreign transaction fees.
    Use the Citi Prestige® Credit Card abroad without incurring transaction fees on your purchases.
  • Point transfers.
    You can mostly transfer your at a 1:1 ratio to 16 airline and retail partners. This can help you get higher than a 1-cent-per-point value for your rewards.

Citi Prestige® Credit Card transfer partners

Almost every Citi airline transfer partner offers a regular transfer ratio of 1:1.

Citi may offer promotional transfer ratios. In February 2019, for example, Citi cardholders could transfer 1,000 ThankYou points for 1,250 miles in Turkish Airlines’ Miles & Smiles program.

As of this writing, the only program in which you’ll receive less than a 1:1 ratio is JetBlue TrueBlue. Convert 1,000 ThankYou points to 800 TrueBlue points.

Citi’s airline transfer partners

Citi is missing a major domestic-airline transfer partner, such as Delta, United or American. However, it has a strong stable of international-airline transfer partners.

  • Turkish Airlines Miles & Smiles.
  • Asia Miles.
  • Avianca LifeMiles.
  • Etihad Guest.
  • Eva Air.
  • Flying Blue.
  • Garuda Indonesia.
  • JetBlue TrueBlue.
  • JetPrivilege.
  • Malaysia Airlines Enrich.
  • Qantas Frequent Flyer.
  • Qatar Privilege Club.
  • Singapore Airlines.

Citi’s shopping partner

You can transfer your points at a 1:12 ratio to Shop Your Way, the loyalty program for Sears and Kmart.

  • Travel and purchase protection.
    Enjoy insurance for lost baggage, delayed baggage, trip cancellation, trip interruption and car rentals. Also, receive purchase protection, extended warranties and Price Rewind on eligible purchases.

    With Price Rewind, Citi will look for lower prices on purchases you’ve made with your card. If it succeeds, it will refund you the price difference.

    Citi will send coverage details if you’re approved for the card

What to watch out for

  • Annual fee: $495.
    Here’s how this annual fee stacks up against the costs of other premium travel cards:
The Chase Sapphire Reserve®Citi Prestige® Credit CardThe Platinum Card® from American Express
Annual fee$550$495$695 (see Terms apply, see rates & fees)
  • Penalty APR: Up to 29.99% Variable.
    If you make a late or returned payment, Citi may apply the penalty APR to all of your balances indefinitely.

Compare travel rewards cards

Name Product Welcome Offer Rewards Annual fee Filter values
The Platinum Card® from American Express
100,000 points after spending $6,000 in your first 6 months, plus 10x points at restaurants worldwide and when you Shop Small in the US on up to $25,000 in combined eligible purchases in the same timeframe
10x points at restaurants worldwide and when you Shop Small in the US on up to $25,000 combined in the first 6 months, 5x points on prepaid hotels booked with American Express Travel, 5x points on directly-booked flights on up to $500,000 annually, then 1x points after that and on other eligible purchases

New Platinum Exclusive Offer

One of the most valuable premium travel cards, featuring two welcome offers worth up to $7,000 based on Finder's valuation, multiple travel credits and unrivaled lounge access. Terms apply, see rates & fees
American Express® Gold Card
60,000 points after spending $4,000 in the first 6 months
4x at restaurants including delivery and Uber Eats; 4x at US supermarkets on up to $25,000 annually (then 1x points), 3x points on directly-booked flights and 1x points on other eligible purchases

Rose Gold is Back

Earn up to 4x points on select purchases, a bevy of travel perks, and a welcome offer worth up to $600 based on our valuation with this upper-mid tier travel card. Terms apply, see rates & fees
Citi® / AAdvantage® Platinum Select® World Elite Mastercard®
50,000 miles after spending $2,500 in the first 3 months
2x miles on eligible American Airlines purchases, at gas stations and restaurants and 1x miles on all other purchases
$0 intro annual fee for the first year ($99 thereafter)
Earn 50,000 AAdvantage® bonus miles after you spend $2,500 in the first 3 months.

Compare up to 4 providers

What should I know before I apply?

You can apply for the Citi Prestige® Credit Card if you:

  • Are at least 18 years old.
  • Have a valid Social Security number or Individual Taxpayer Identification Number.

Required information

  • Full name.
  • Date of birth, Social Security number and citizenship status.
  • Home address.
  • Primary phone number and email address.
  • Total annual income and monthly mortgage or rent payment.

What credit score do I need?

You’ll have a better chance of approval for the Citi Prestige® Credit Card if you have a good to excellent credit score of 740 or above.

Citi Prestige® Credit Card reviews and complaints

Some longtime customers say Citi has devalued their points over the years. Other customers say they have put the card’s fourth-hotel-night privilege to good use, and they’re disappointed that Citi will cap the benefit in September 2019.

Even though Citi has been in business for more than 200 years, it was never accredited by the Better Business Bureau (BBB). As of October 2020, more than 200 customer complaints on the BBB site give the bank a score of 1 out of 5. Because Citi failed to resolve customer complaints on the site, BBB has rated the bank with the lowest F rating.

Citi is rated slightly higher at 1.8 out of 5 on Trustpilot where customers mostly complain about poor customer service.

I got the card. Now what?

  • Activate your card and register an online account. You can start using your card immediately after activation.
    Make an online account to view your balance any time and pay your bills. Consider setting up automatic payments to avoid late fees.
  • Avoid late and returned payments. These may saddle you with a penalty APR of up to 29.99% variable on all of your balances.
  • Contact customer service. Call the number on the back of your card to reach Citi support. If you don’t have your card, call 800-950-5114.
    You can also log in to your Citi account to chat with support.

How do I redeem miles from the Citi Prestige® Credit Card?

Go to Citi’s ThankYou Rewards portal to redeem your points. Log in with your Citi account.

Here are a few redemption options:

  • Travel, such as flights, hotels, car rentals and cruises
  • Gift cards
  • Shop with points at places such as Amazon, Expedia and Best Buy
  • Statement credit
  • Online bill pay
  • Point transfers
  • Cash rewards
  • Charitable contributions

According to Citi, travel redemptions give you a 1-cent-per-point value. Gift cards typically give you the same value. With other redemption options, you may receive a lower value.

Bottom line

The card’s best new change is the accelerated points on air travel and dining. These are truly market-leading rewards.

Unfortunately, the card’s fourth-night-free benefit will be capped to two uses per year in September 2019. But you can still leverage it as much as you want until then, and the card boasts other luxury travel features.

If you’re not sure the Citi Prestige® Credit Card is right for you, compare other travel credit card options.

Frequently asked questions

Credit card ratings

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★★★★★ — Good

★★★★★ — Average

★★★★★ — Subpar

★★★★★ — Poor

Our team evaluates credit cards to determine their value against similar cards on the market.

We rank card types — travel, cash back, business — on a set of factors that are most relevant to that type of card. We create these rankings to help you narrow down a credit card that best suits your spending and budget.

Learn the details of our methodology and scoring.


Review by

Kevin Joey Chen is a credit cards, banking and investments writer whose work and analysis have appeared on CNN, U.S. News & World Report,, Lifehacker and He's passionate about helping you get your finances in order by expertly navigating cutting-edge financial tools — including credit cards, apps and budgeting software.

Expert review

The Citi Prestige® Credit Card was reintroduced in January 2019 and comes with a mix of positive and negative changes. Regardless, it’s still a strong player in the luxury travel game.

The best change: Revamped rewards

Previously, you’d earn 3x points on airfare and hotels, and 2x points on restaurant and entertainment spending.

Now, you’ll earn 5x points on airfare and restaurants and 3x on hotels and cruise lines.

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