You work hard and play hard–flying often, attending social events regularly, and always making the most of your downtime.
Simply put, your first-class lifestyle deserves first-class travel benefits. (Think access to golf courses, private jets, chauffeured car services, and more.)
Fortunately, the Citi Prestige® Card has got your back. It’s an elite card with high standards, just like you.
- Welcome Bonus & Info (Partner Content)
- $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 √®
- 4th night hotel benefit for any hotel stay at hotels booked through the Citi Prestige® Concierge (starting September 1, 2019 will be limited to 2 bookings per calendar year)
- Transfer points to a variety of travel loyalty programs from airlines to hotels.
- Earn 5x points on Air Travel and Travel Agencies
- Earn 5x points on Dining at Restaurants
- Earn 3x points on Cruise Lines and Hotels
- Earn 2x points on Entertainment (reduced to 1x from September 1, 2019)
- 1 ThankYou® Point per $1 spent on other purchases
- Cell phone protection
- Rewards Center
- Customer Service Number888-248-4226
- Login Link
- Card Focus:
- Travel (General)
- Typical UsersFood Lovers, Frequent Travelers, International Travelers
The Ideal Cardholder
Sign-Up Bonus and Earning Categories
Get the current sign-up bonus points after you spend the required amount in the allotted time (see above for current offer).
Then earn 5x points at airlines, travel agencies and dining. Plus 3x at cruise lines and hotels. Entertainment 2x ends September 1, 2019. 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.
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. (Alaska Lounge, anybody?)
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.
Other Benefits of the Citi Prestige® Card
Book a stay of 4 consecutive nights at any hotel (you choose!) and get the 4th 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!
Card Drawbacks and Alternatives
Besides the high annual fee, the card has a few other drawbacks.
For instance, there are a limited number of Citi ThankYou airline transfer partners when redeeming your points. Additionally, you don’t get additional bonus points for adding authorized users or getting friends to sign up.
In 2014, Citi took away the opportunity to earn points on purchases made with merchant partners because not enough people were using it.
You also may find the card tough to qualify for. Not only do you need great credit, but you need to be part of the high-income, high-spending crowd.
If you want an alternative, we recommend the Citi ThankYou® Premier Card. For a considerably lower $95 annual fee, you’ll get 3x points on all travel, not just air travel and hotel.
This travel category also includes gas, cruises, car rental agencies, travel agencies, tolls, parking, and more.
The Citi ThankYou® Premier Card earns 2x points on dining and entertainment plus 1x points on all other purchases.
For a Citi ThankYou card with no annual fee, you can check out the Citi ThankYou® Preferred Card. This credit card earns 2x points in entertainment and dining and 1x points everywhere else.
Upcoming Changes to the Citi Prestige in 2019
Cell phone insurance launched May 1, 2019.
The 4th night free benefit will be capped to twice per calendar year, effective September 1, 2019.
Also from September 1, 2019, redeeming points at the Citi Travel Center will drop by 1.25 cents/point to 1 cent/point value on airfare.
Finally, the 2x Entertainment bonus category will drop to 1x on September 1, 2019, as well.
Final Thoughts on the Card
If you are a frequent flyer who thrives on superior rewards, exclusive travel, and entertainment benefits, then this may be the card for you (even with the high annual fee!).
Big spenders can truly rack up the points to use in the ThankYou Rewards program.
You can redeem your points for almost anything you can imagine, including unique experiences, statement credits, travel, electronics, gift cards, and charitable donations.
Great Card If
- You fly often and prefer to do it in style
- You want access to exclusive travel and entertainment benefits
- You don’t mind paying a higher annual fee for more benefits
Don't Get If
- You won’t use the perks
- Your spending is generally low
- You don’t have impeccable credit
- Annual Fee
- Foreign Transaction FeesNone
- Interest Rates
- 17.99% - 25.99% variable
- Late fees
- 29.99% Penalty APR
- Balance Transfers
- 17.99% - 25.99% variable
- Cash Advance APR
U.P. Pro Tips
The 5x points earned by the Citi Prestige® Card on airfare and with travel agencies is a huge bonus.
Plus, “travel agencies” can include any merchant that provides travel information and booking services, such as travel aggregators and tour operators.
Best Way To Maximize Points
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 points.
Tip #1: Clearly, the top strategy for banking points with this credit card is to use it for all of your purchases. The quicker you get to spend, the quicker you’ll get to earning your sign-up bonus!
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.
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® Card holders 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%!
Best Way To Redeem Points
With so many great ways to redeem Citi Prestige® Card points, it can be a little overwhelming. The value of your points depends on how you use them.
For instance, gift cards are valued at $0.01 per point, which is not very impressive. But when you use points through the Citi ThankYou Travel Center, you can get 1.25 cents per point (drops to 1 center per point from September 1, 2019)!
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 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.
Here is a table showing the transfer rate of ThankYou Points with participating airline partners:
|Airline Loyalty Program||1,000 ThankYou Points =|
|Malaysia Airlines Enrich||1,000 Enrich Miles|
|*Etihad Guest||1,000 Guest Miles|
|EVA Air Infinity MileageLands||1,000 Infinity MileageLands Miles|
|**Asia Miles||1,000 Asia Miles|
|Virgin Atlantic Flying Club||1,000 Flying Club Miles|
|Virgin America Elevate||500 Elevate Points|
|Thai Airways Royal Orchid Plus||1,000 Royal Orchid Plus Miles|
|Qatar Airways Privilege Club||1,000 Qmiles|
|Qantas Frequent Flyer||1,000 Qantas Points|
|Flying Blue||1,000 Flying Blue Award Miles|
|Singapore Airlines KrisFlyer||1,000 KrisFlyer Miles|
|Garuda Indonesia Frequent Flyer||1,000 GFF Miles|
*Etihad includes nearly 40 airline programs such as JetBlue, American Airlines, Air France, SAS, Air New Zealand, and more.
**AsiaMiles includes 20 airline programs such as Air New Zealand, Mexicana, Air China, Gulf Air, and more.
Also, watch for promotional periods that give you the best redemption for your Citi ThankYou points. For example, in 2015 Citi ThankYou offered a 25% bonus for transferring points to Virgin Atlantic.
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.com 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.
Travel Partners: Asia Miles, Malaysia Airlines Enrich, Qantas, Qatar Airways Privilege Club, Etihad Guest, Virgin Atlantic, Virgin America Elevate, Flying Blue, Garuda Indonesia Frequent Flyer, EVA Air Infinity MileageLands, Thai Airways Royal Orchid Plus, Singapore Airlines KrisFlyer, and JetBlue TrueBlue.
Shop with Points Partners: Amazon.com, Expedia.com, LiveNation.com
Pay with Points Partners: BestBuy.com, Wonder
The Gritty Details: Everything Else You Need To Know
To qualify for the sign-up offer, you must either be a new cardholder, or one who has not closed a Citi Prestige® Card in the past 24 months.
Citi ThankYou points appear in your account at the end of each monthly billing cycle. They never expire as long as you have an open ThankYou Card. You have 30 days from closing account to use your points.
Points transfer requests cannot be reversed or canceled, and there is no fee to transfer.
Once a request is made, the points are deducted immediately from the ThankYou account, but it can take up to 2 weeks for them to post in your loyalty account.
Other Unique Features
Here are some of the other benefits that come with the Citi Prestige® Card.
Private jet access – Available through NetJets.
Chauffeured car service – Access to chauffeured car service plus 15% off select limousine services.
MC Airport Concierge service – Personal attention at arrival, departure, or connection at over 450 airports worldwide.
Cell phone protection – protection against damage or theft of your cell phone.
Citi Identity Theft Solutions – In case of identity theft, receive help contacting credit bureaus and assistance with police reports.
Fraud early warning system – This system monitors your account to detect potentially fraudulent actions and takes appropriate actions to protect your account if there is an issue.
Missed event ticket protection – If you miss a sporting event, concert, or lecture for unexpected reasons, you are reimbursed the price of the ticket.
Citi Price Rewind – Searches for the lowest price on registered items. If the same item is found at a lower price within 60 days of initial purchase date, you receive the difference.
90-day return protection – Receive a refund if the merchant won’t take back an item within 90 days of purchase.
Damage & theft purchase protection – This benefit covers repairs or a refund if purchases made with the card are damaged or stolen within 120 days of purchase (90 days for NY residents).
Extended warranty – Adds 1 year to a regular warranty.
Unauthorized charge protection – $0 liability on unauthorized charges.
Travel Protection Features
Travel & emergency assistance – Receive help 24/7 with emergency travel arrangements, travel issues, medical and legal referral, and more before and during your trip.
Trip cancellation & interruption protection – Reimbursement for non-refundable trip expenses like change fees when unforeseen events get in the way of a trip you paid for with your Citi card.
Trip delay protection – In case of a delay on a common carrier, you can get reimbursement for expenses incurred like meals or lodging.
Worldwide travel accident insurance – Receive financial help in case of an accident.
Medical evacuation – Get help 24/7 when you are traveling and the right emergency care is unavailable locally.
Roadside assistance dispatch service – Get help at your location if you have car trouble in the 50 states or the District of Columbia.
Lost baggage – If your checked or carry-on luggage is lost, stolen, or damaged by the common carrier, you may receive a refund of the purchase price of the missing items or the cost to repair or replace the damaged ones.
Baggage delay protection – Get reimbursed the cost of necessary personal and business items if checked baggage is delayed by the common carrier.
Lost wallet service – Replaces lost or stolen cards (usually within 24 hours) and provides you with emergency cash.
Photo Credits/Credit/Copyright Attribution:
Businessman on Hotel Bed: Blend Images/Shutterstock
People on Tour Bus: Syda Productions/Shutterstock
Female Banker at Desk: Jeanette Dietl/Shutterstock
Airport Lounge: badahos/Shutterstock
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?
The card typically comes with a sign-up bonus. Benefits include a $250 airfare credit each year and a $100 credit for the Global Entry application.
Cardmembers also get a 4th-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 earn Citi Prestige® Card points?
Cardmembers earn Citi ThankYou points based on their spending. Receive 5x points for airfare, travel agencies, and dining, 3x points for cruise lines and hotels, 2x points for entertainment (ends September 1, 2019), and 1x points for everything else.
How do I redeem Citi Prestige® Card points?
Redeem Citi points through the Citi ThankYou rewards program 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.
How do I use the Citi Prestige® Card for airline credit?
Earn ThankYou points by making purchases on your card. Those points can then be transferred to participating airline loyalty programs.
You can also use your points when booking flights through the Citi ThankYou Travel Reward Center at 1.25 cents per point (drops to 1 cent per point from September 1, 2019).
What is the annual fee for the Citi Prestige® Card?
The annual fee is $495. However, you also receive a $250 airline statement credit, which helps offset the cost.
Which is better, the Citi Prestige® Card or The Platinum Card® from American Express?
Both cards have similar perks, including VIP lounge access and complimentary benefits at hotels worldwide. The Platinum Card® from American Express also typically has a similar sign up bonus.
The Citi Prestige® Card has a $495 annual fee and $250 airline credit. The Platinum Card® from American Express comes with a $200 airline fee credit, but it can’t be used to purchase airline tickets and has a $550 annual fee.
The biggest difference is when it comes to earning points. Purchases made with The Platinum Card® from American Express earn 5X Membership Rewards® points on flights booked directly with airlines or with American Express Travel and 5X Membership Rewards® points on eligible hotels booked on amextravel.com.
The Citi Prestige® Card allows you to rack up points with higher spending categories.
Chase Sapphire Preferred® Card
Bonus Valuation*: $1,150+
Why We Like It: This card is our #1 recommended rewards card (especially for those getting into points and miles) because it’s easy to earn points, they’re extremely valuable and the bonus is worth $1,150 in our valuations!
*Our bonus valuation is calculated internally by experts at Upgraded Points, not the card issuer. See our latest valuations here.