Credit Cards

Citi Prestige card review: earn up to 5X points on travel, restaurants, and more

The Citi Prestige card gives you 5X points on travel and restaurantes. You also get access to premium lounges, hotel benefits, and more.


Lounge access? Check! Hotel benefits? Check! $250 yearly air travel credit? Check!

The Citi Prestige card is full of travel benefits! Source: The Post New.

The Citi Prestige card is a high-end travel credit card, as you’ll see in this review. Similar to other top-notch travel cards such as the Chase Sapphire Reserve and The Platinum Card from American Express.

  • Credit Score: Excellent
  • APR: 16.74%-24.74% Variable
  • Annual Fee: $495
  • Fees: N/A
  • Welcome bonus: N/A
  • Rewards: 5X points on air travel and restaurants, 3X points on hotels and cruise lines, and 1X points on all other purchases.
citi prestige card

How to apply for the Citi Prestige credit card?

Apply for the Citi Prestige card and earn ThankYou points at a 5X rate, and redeem them for a variety of awards.

This card offers substantial rewards to its cardholders, but relatively modest benefits. Still, if you are a frequent traveler, it is certainly worth considering.

Citi Prestige card review: how does it work?

The Citi Prestige card offers very strong earning rates in select bonus categories.

The rewards include 5 points per dollar you spend on dining and airfare, as well as 3 points per dollar on hotels and cruises. Besides that, you get 1 point per dollar on all other purchases

Their $250 annual travel credit helps you partially offset the card’s $495 annual fee. This is a high. This credit is automatically applied to travel, supermarket, and restaurant purchases.

With this card, you get Priority Pass Select lounge access for you and one more guest.

In addition to that, you have access to the 4th-night free benefit if you book high-end hotels on

One of this card’s shortfalls is the fact that it does not offer consumer insurance benefits. No trip cancellation, delay, or lost luggage insurance.

Also no auto rental collision damage waiver, purchase protection, or extended warranty.

Still, if you spend heavily on restaurants and air travel, as well as use ThankYou Points and do not have access to airport lounges, this card may be a good fit for you.

You can redeem your ThankYou points for gift cards, cash rewards, merchandise, travel, mortgage, and student loan rebates, and more.

You can also transfer them to over a dozen partner airlines.

Significant benefits and disadvantages of the Citi Prestige card

woman at restaurant
You can dine at the best restaurants and earn extra points. Source: Freepik.

Now let’s put the pros and cons side by side for comparison in this Citi Prestige card review. Have a look at them and weigh up what are the most decisive factors for you.


  • Access to concierge services
  • Substantial travel benefits
  • Free 4th night stay up to 2x a year
  • No foreign transaction fee


  • No intro APR
  • High $495 annual fee
  • High ongoing APR
  • Limited number of transfer partners

Is a good credit score required for applicants?

The Citi Prestige card is a high-end product with a $495 annual fee and which offers luxury travel benefits. Products like this usually require a vigorous demonstration of creditworthiness, and this card is not any different.

In order to get the Citi Prestige card, you must have excellent credit. This means a credit score of at least 800 or superior to that.

Learn how to apply and get a Citi Prestige card

If you feel this is the right card for you, it is time to get yours. We have prepared a guide for you to apply for it. It is very easy to do, and we are going to make it even easier for you.

Click the link below to learn how to do it.

citi prestige card

How to apply for the Citi Prestige credit card?

Apply for the Citi Prestige card and earn ThankYou points at a 5X rate, and redeem them for a variety of awards.

About the author  /  Danilo Pereira

Danilo is a copywriter with a passion for learning. Deeply interested in philosophy, politics and arts.

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