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This credit card is no longer available to new applicants. We recommend checking out the best credit cards to find alternatives.
The Citi Prestige® Card is a luxury travel card with some interesting perks, including a complimentary fourth night on paid hotel stays. That made it a favorite for frequent travelers, but it's no longer available. Those who have the card can continue using it, but no one can apply for it anymore. Learn more about it and see alternative options in our Citi Prestige® Card review.
Citi Prestige® Card
Excellent (740-850)
Intro APR
Purchases: N/A
Balance Transfers: N/A
Regular APR
16.99% - 23.99%, variable
Rewards 5x points for air travel and restaurants, 3x points for hotels and cruises, 1x point on other purchases
1x - 5x points
Annual Fee
$495
Welcome Offer 50,000 points after spending $4,000 within 3 months
50,000 ThankYou Points
While it's not available anymore, it could be worth keeping for cardholders thanks to a robust points program and valuable travel benefits.
We recommend comparing options to ensure the card you're selecting is the best fit for you. To make your search easier, here's a short list of standout credit cards.
Offer | Our Rating | Welcome Offer | Rewards Program | APR | Learn More |
---|---|---|---|---|---|
Apply Now for Bank of America® Unlimited Cash Rewards credit card
On Bank of America's Secure Website. |
Rating image, 4.50 out of 5 stars.
4.50/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best = Excellent = Good = Fair = Poor |
$200 cash rewards $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening | 1.5% cash back |
Intro: 0% Intro APR for 15 billing cycles for purchases. 0% Intro APR for 15 billing cycles for any balance transfers made in the first 60 days. After the intro APR offer ends, 18.24% - 28.24% Variable APR on purchases and balance transfers will apply. Balance transfers include a fee of 3% for 60 days from account opening, then 4%. Purchases: 0% Intro APR for 15 billing cycles for purchases Balance Transfers: 0% Intro APR for 15 billing cycles for any balance transfers made in the first 60 days Regular: 18.24% - 28.24% (Variable) |
Apply Now for Bank of America® Unlimited Cash Rewards credit card
On Bank of America's Secure Website. |
Apply Now for Chase Sapphire Preferred® Card
On Chase's Secure Website. |
Rating image, 4.50 out of 5 stars.
4.50/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best = Excellent = Good = Fair = Poor |
60,000 bonus points Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Travel℠. | 5x on travel purchased through Chase Travel℠, 3x on dining and 2x on all other travel purchases Enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, $50 Annual Chase Travel Hotel Credit, plus more. |
Intro: N/A Purchases: N/A Balance Transfers: N/A Regular: 21.49%-28.49% Variable |
Apply Now for Chase Sapphire Preferred® Card
On Chase's Secure Website. |
Rating image, 5.00 out of 5 stars.
5.00/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best = Excellent = Good = Fair = Poor |
Discover will match all the cash back you’ve earned at the end of your first year. N/A | 1% - 5% Cashback Earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases—automatically. |
Intro: Purchases: 0%, 15 months Balance Transfers: 0%, 15 months Regular: 17.24% - 28.24% Variable APR |
This credit card is a good fit for: Travel enthusiasts who fly and stay at hotels multiple times per year.
As a premium travel card, the Citi Prestige® Card has a large assortment of features.
The Citi Prestige® Card earns:
These are high rewards rates on several broad bonus categories. That gives the Citi Prestige® Card some serious earning potential that's up there with the best travel rewards cards.
This card will cover your first $250 in annual travel, and the credit applies to any type of travel purchase. If you use the full credit, you've already made back over half the annual fee.
When you make a paid hotel booking of at least four nights, the fourth night is free. So on a four-night booking, you'd pay for three nights, and on an eight-night booking, you'd pay for six nights. While this benefit could previously be used as often as the cardholder liked, it's now capped at two free nights per calendar year.
SEE MORE: Best Hotel Credit Cards
Like many travel cards, the Citi Prestige® Card will issue you a credit for either your Global Entry or your TSA PreCheck fee, enabling you to get through airport security more quickly. Because a Global Entry membership will include a TSA PreCheck membership but not vice versa, you should always go with Global Entry.
READ MORE: TSA PreCheck, Global Entry, and CLEAR: Which Program Is the Best?
You'll get a complimentary membership to Priority Pass Select, which has a network of airport lounges covering many of the major airports in the world.
If you pay your cellphone bill with the Citi Prestige® Card, you'll get complimentary cellphone insurance protecting against damage or theft.
When you have the Citi Prestige® Card, you can either transfer points to a travel partner in the Citi ThankYou Rewards program or redeem them for $0.01 per point towards travel purchases. Transfers are a great way to maximize Citi ThankYou points, because you can get over $0.03 per point this way with the right award booking.
LEARN MORE: A Complete Guide to Citi ThankYou Points
There are a few areas where the Citi Prestige® Card falls short.
This Citi credit card has a $495 annual fee. To be fair, you get quite a few benefits. If you're able to make the most of them, they can provide much more in value than you're paying for the card. It's just important to make sure you're using the benefits if you decide to keep this card.
Citi has a solid roster of partners where you can transfer ThankYou points. However, it's a bit lacking in this regard compared to the competition. Most rewards enthusiasts would probably pick the American Express Membership Rewards program over Citi ThankYou Rewards when it comes to transfer partners. The Chase Ultimate Rewards program is another one with lots of high-value redemption options.
It's worth reiterating that applications aren't open for the Citi Prestige® Card anymore. That's not really a drawback if you already have the card, but it's a pretty big one if you don't have the card and were hoping to get it. If so, you'll need to move on to other credit card reviews to find a card you can open.
Compare credit card rewards, fees, APRs, and more using our side-by-side comparison tool.
When the Citi Prestige® Card was open for applications, a FICO® Score of 700 or higher was recommended to apply for it. As one of the best Citi credit cards, it's aimed at consumers with good to excellent credit.
RELATED: Best Citi Credit Cards
The $495 annual fee is very reasonable based on what the Citi Prestige® Card offers. However, just like with any other premium credit card, the annual fee is only worth it if you can maximize this card's benefits.
Assuming you always use the $250 travel credit, this card's true cost drops to $245. The rewards and additional benefits it offers can easily get you more than that in value. In particular, the complimentary fourth night on two paid hotel stays per year is a potential goldmine. If you like staying at nice hotels, you could save $500 or more from that perk alone.
You're already a cardholder and you make use of the benefits every year. Since there's no application available for the Citi Prestige® Card anymore, it's only an option for consumers who already have it.
If not, you'll need to look for other options. That's a bit of a bummer, as the Citi Prestige® Card has some features you don't see anywhere else. Fortunately, there are plenty of other top credit cards you can use to save money and improve your travel experience.
At The Motley Fool Ascent, we rate credit cards on a five-star scale (1 = poor, 5 = best). Our rating criteria includes rewards rates, welcome bonuses, fees, and perks like travel credits and 0% intro APR offers to evaluate our ratings.
We combine these factors with an evaluation of brand reputation and customer satisfaction to ensure you're getting the best card recommendations. Learn more about how The Ascent rates credit cards.
The credit limit for the Citi Prestige® Card depends on many factors, including the cardholder's income and credit history. Cardholders have reported receiving credit limits of up to $30,000.
The Citi Prestige® Card is a Mastercard.
Citi has removed the Citi Prestige® Card from its product offerings, so it's impossible to get. Existing customers can continue using their card and enjoying the benefits.
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The Motley Fool owns shares of and recommends Mastercard.