Advertiser Disclosure

Many of the credit card offers that appear on this site are from credit card companies from which we receive financial compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). However, the credit card information that we publish has been written and evaluated by experts who know these products inside out. We only recommend products we either use ourselves or endorse. This site does not include all credit card companies or all available credit card offers that are on the market. See our advertising policy here where we list advertisers that we work with, and how we make money. You can also review our credit card rating methodology.

Citi Prestige Card — Full Review [2024]

Alex Miller's image
Alex Miller
Alex Miller's image

Alex Miller

Founder & CEO

295 Published Articles

Countries Visited: 34U.S. States Visited: 29

Founder and CEO of Upgraded Points, Alex is a leader in the industry and has earned and redeemed millions of points and miles. He frequently discusses the award travel industry with CNBC, Fox Business...
Edited by: Keri Stooksbury
Keri Stooksbury's image

Keri Stooksbury

Editor-in-Chief

35 Published Articles 3228 Edited Articles

Countries Visited: 47U.S. States Visited: 28

With years of experience in corporate marketing and as the executive director of the American Chamber of Commerce in Qatar, Keri is now editor-in-chief at UP, overseeing daily content operations and r...
& Kellie Jez
Kellie Jez's image

Kellie Jez

Director of Operations & Compliance

6 Published Articles 1178 Edited Articles

Countries Visited: 10U.S. States Visited: 20

Kellie’s professional experience has led her to a deep passion for compliance, data reporting, and process improvement. Kellie’s learned the ins and outs of the points and miles world and leads UP’s c...

We may be compensated when you click on product links, such as credit cards, from one or more of our advertising partners. Terms apply to the offers below. See our Advertising Policy for more about our partners, how we make money, and our rating methodology. Opinions and recommendations are ours alone.

Citi Prestige® Card

Citi Prestige® Card

U.P. Rating
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
4.26
  • $495

  • 17.99% - 25.99% Variable

  • Excellent (740-850)

Citi Prestige® Card

Complimentary lounge access, fourth-night free hotel stay, an annual travel credit, and strong point-earning make the Citi Prestige card a great option.

U.P. Rating
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
4.26

The information for the Citi Prestige® Card has been collected independently by Upgraded Points and not provided nor reviewed by the issuer. 


The Citi Prestige® Card is an excellent all-around premium travel rewards card. With 4 different bonus categories to help you earn points, a $250 travel credit each year, complimentary lounge access, and more, there is tons to love about the Citi Prestige card.

Update: At this time, the Citi Prestige card is no longer available for new applicants.

Card Snapshot

Welcome Bonus & Info

  • $250 Air Travel Credit each year, and receive a statement credit, up to $100 every 5 years, as reimbursement for your application fee for Global Entry or TSA Pre √. Through December 2022, supermarket and restaurant purchases will also count towards the $250 Travel Credit.
  • Fourth-night hotel benefit for any hotel stay at hotels booked through the Citi Prestige Concierge; up to 2 times per calendar year
  • Transfer points to a variety of travel loyalty programs from airlines to hotels
  • Earn 5x points on air travel
  • Earn 5x points at restaurants
  • Earn 3x points on cruise lines and hotels
  • 1 ThankYou Point per $1 spent on other purchases

Rewards Center

Citi ThankYou Rewards

Customer Service Number

888-248-4226

Pros

  • 5x points per $1 on purchases at airlines and travel agencies
  • 5x points per $1 on dining
  • 3x points per $1 on purchases at hotels and cruise lines
  • 1x point per $1 on all other purchases
  • $250 annual travel credit (can also be applied to supermarkets and dining purchases in 2022)
  • Complimentary Priority Pass lounge access
  • Annual fourth-night free hotel booking
  • Access to Citi transfer partners
  • Global Entry/TSA PreCheck credit
  • Cell phone insurance

Cons

  • $495 annual fee
  • Doesn’t offer travel protections

Great Card If

  • You fly often and want airport lounge access
  • You want a card that earns transferable rewards
  • You don’t mind paying a higher annual fee for more benefits

Don’t Get If

  • You won’t use the perks
  • You don’t travel much

Earning Categories

Earn 5x points at airlines, travel agencies, and dining, plus 3x at cruise lines and hotels. You’ll earn 1x points on all other purchases.

Your points are good for the ThankYou Rewards program and never expire. Earn as many points as you want to because there’s no cap!

Citi Prestige Card Travel Benefits

Travel abroad without the headache. There’s no foreign transaction fee when you use the card (a 3% savings by itself), and global transactions are seamless because it has an EMV chip.

The $495 annual fee is the biggest consideration, but it’s largely offset by a yearly airline travel credit of $250. This can apply to the cost of a ticket or any flight-related expenses charged to the card, including award taxes and fees, baggage fees, and more.

Update: Through December 31, 2022, the $250 travel credit can also be applied to supermarket and restaurant purchases. 

Still, the annual fee is steep, separating the serious spenders from the crowd.

Travel is made a luxury since the card provides complimentary access to hundreds of VIP lounges through Priority Pass Select (complimentary Be Relax Spa treatment, anyone?).

You also get a $100 credit for the Global Entry application fee. Once the U.S. government approves your application, you can bypass long lines and enjoy expedited entry into the country.

Bottom Line: 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!

Other Benefits of the Citi Prestige Card

Book a stay of 4 consecutive nights at any hotel (you choose!) and get the fourth night for free! The free night appears as a credit on your statement.

Enjoy 24/7 access to a global concierge team for help making trip arrangements, purchasing tickets, and booking exclusive events and dining experiences anywhere in the world.

Plus get access to exclusive events through Citi ThankYou Events and Citi Private Pass Beyond. You’ll have the opportunity to attend private concerts, sporting events, and red carpet experiences!

Bottom Line: A free fourth-night stay and other perks make the Citi Prestige card an attractive option.

Best Way To Redeem Citi ThankYou Points

With so many great ways to redeem Citi Prestige card points, it can be a little overwhelming.

We created a list of tips to ensure you get the most value out of your points when you redeem them. You can also check out this post for even more advice about maximizing Citi travel rewards.

Tips for Redeeming Citi ThankYou Points

Tip #1: Sometimes you will find a better deal transferring points directly through airline or hotel transfer partners. For this reason, it’s important to compare prices between the Citi ThankYou Travel Center and the airline partners.

Points must be transferred in 1,000 point increments, and there is a maximum of 500,000 ThankYou Points per transfer.

Also, watch for promotional periods that give you the best redemption for your Citi ThankYou Points. For example, Citi ThankYou has offered a 25% bonus for transferring points to Flying Blue.

Tip #2: Redeem ThankYou Points for gift cards and merchandise from a variety of online retailers.

Shop with Points allows you to link your Citi ThankYou loyalty account to sites like Live Nation, Amazon.com, and Expedia so you can pay with the points you’ve earned.

Pay with Points makes it easy to spend your points on purchases with Best Buy and Wonder online or directly through their apps.

You make the payment with your card and then receive statement credit within 24 to 48 hours.

Tip #3: Technically, it’s not about points redemption, but wait until you hear about this card feature that reduces your balance for free!

Select and Credit allows you to get statement credit for purchases you’ve already made!

With eligible categories including groceries, gas, utility bills, clothing, department stores, dining, and entertainment, your chances of qualifying are high.

Tip #4: Pay your bills online using points (or a combination of points and cash) in just a few clicks. All you need is an enrolled Citibank checking account.

Tip #5: Show your charitable side with PointWorthy. Once you enroll, you can browse non-profits approved by the IRS and make a donation with your ThankYou Points.

You can also make donations with your card and earn points for every dollar you donate.

Best Way To Maximize Citi ThankYou Points

As we mentioned above, you can earn points for things outside of what you may normally consider with some American Express Membership Rewards cards or Chase Ultimate Rewards cards.

If you want to get the most out of your Citi Prestige card, read on. We’ve created a list that spells out the best ways to use your card and earn lots of Citi ThankYou Points.

Tip #1: Clearly, the top strategy for banking points with this credit card is to use it for all of your purchases.

Tip #2: Book all your air travel and hotels with the card so you get 3x points. The rules state your tickets must be purchased from a merchant that provides air travel, so that includes sites like Kayak and Orbitz.

That means you can use your Google Flights results and get points for them, along with your ITA Matrix bookings if you’re using BookWithMatrix.com.

Tip #3: Make sure to also use the card for entertainment and restaurant purchases to get your 2x points.

Entertainment is a huge category that includes places like movie theaters, amusement parks, tourist attractions, sports promoters, theatrical promoters, and even record stores.

As far as restaurant spending, you can get a ton of points when you are dining with friends or colleagues. Just put all of the charges on your card, and the rest of the party can reimburse you with cash.

Tip #4: Even though other spending only gets 1x points, it can still add up. After all, the people who use the card are most likely higher spenders.

Putting all of your monthly expenses on the card will help you accumulate points steadily.

Tip #5: Add authorized users to the card. It will cost you $50 a pop, but the extra points from their purchases are likely to far outweigh the cost.

Tip #6: Enroll your Citibank banking account in ThankYou Rewards and earn extra points. If you don’t have a checking account with Citi, open one to participate.

After setting up the account, you need to make 2 consecutive monthly bill payments and keep the account open for 5 months to ensure you receive the points. Find out how many points you earn per account package here.

Tip #7: Another reason to consider being a Citigold banking member?

Citi Prestige cardholders who are also Citigold or Global Client Banking members receive an additional 15% bonus on ThankYou Points earned during the year. Private Bank clients get 25%!

Alternative Cards to the Citi Prestige Card

Besides the high annual fee, the card has a few other drawbacks.

For instance, there are a limited number of Citi ThankYou airline and hotel transfer partners when redeeming your points. Additionally, you don’t get additional bonus points for adding authorized users.

If you want an alternative, we recommend the Citi Strata Premier℠ Card. For a considerably lower $95 annual fee, you’ll get 10x points on hotels, car rentals, and attractions booked through CitiTravel.com. And 3x points on all air travel and hotels, plus supermarkets, gas stations, dining, and EV charging stations.

NEW CARD LAUNCH
Citi Strata Premier℠ Card
U.P. Rating 
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

Learn More(at our partner's secure site)
Earn 70,000 bonus ThankYou® Points after spending $4,000 in the first 3 months of account opening, redeemable for $700 in gift cards or travel rewards at thankyou.com
70,000 points
$1,120
$95
21.24% - 29.24% (Variable)

The Citi Strata Premier℠ Card is a great all-around travel rewards card that allows you to earn big rewards on a variety of purchases like air travel, at restaurants, supermarkets, gas stations, and more, along with flexible redemption options, all for a modest annual fee.

Pros
  • 10x points on hotels, car rentals, and attractions booked through CitiTravel.com
  • 3x points on air travel, other hotel purchases, restaurants, supermarkets, gas stations, and EV charging stations
  • $100 annual hotel benefit
Cons
    • $95 annual fee
  • Earn 70,000 bonus ThankYou® Points after spending $4,000 in the first 3 months of account opening, redeemable for $700 in gift cards or travel rewards at thankyou.com
  • Earn 10 points per $1 spent on Hotels, Car Rentals, and Attractions booked on CitiTravel.com.
  • Earn 3 points per $1 on Air Travel and Other Hotel Purchases, at Restaurants, Supermarkets, Gas and EV Charging Stations.
  • Earn 1 Point per $1 spent on all other purchases
  • $100 Annual Hotel Benefit: Once per calendar year, enjoy $100 off a single hotel stay of $500 or more (excluding taxes and fees) when booked through CitiTravel.com. Benefit applied instantly at time of booking.
  • No expiration and no limit to the amount of points you can earn with this card
  • No Foreign Transaction Fees on purchases
Financial Snapshot
  • APR: 21.24% - 29.24% (Variable)
  • Foreign Transaction Fees: None

The information for the Citi Prestige® Card has been collected independently by Upgraded Points and not provided nor reviewed by the issuer.

Frequently Asked Questions

What is the Citi Prestige card?

It is a credit card for active travelers who want access to luxury benefits. Cardmembers earn ThankYou Points that can be redeemed for travel, merchandise, and other rewards.

What are the Citi Prestige card benefits?

Benefits include a $250 airfare credit each year and a $100 credit for the Global Entry application.

Cardmembers also get a fourth-night free when booking a minimum 4-night stay through Citi Prestige Concierge and complimentary access to hundreds of VIP airport lounges through Priority Pass Select.

How do I redeem Citi Prestige card points?

Redeem Citi ThankYou Points through thankyou.com for travel, merchandise, gift cards, and more.

When do Citi Prestige card points expire?

Citi points have no expiration. You can also earn as many as you’d like because there is no limit.

What is the Citi Prestige card made out of?

The card is made of plastic but has an intricate design that places the magnetic strip on the front.

What is the annual fee for the Citi Prestige card?

The annual fee is $495. However, you also receive a $250 travel statement credit, which helps offset the cost.

Alex Miller's image

About Alex Miller

Founder and CEO of Upgraded Points, Alex is a leader in the industry and has earned and redeemed millions of points and miles. He frequently discusses the award travel industry with CNBC, Fox Business, The New York Times, and more.

DMCA.com Protection Status