Our take

Despite its high annual fee, the Citi Prestige® Card beats it with great rewards for travel, dining out and entertainment, as well as with good redemption rate for travel and list of additional exclusive travel benefits. We strongly recommend this premium travel card for frequent travelers who prefer to redeem their points on travel.

Details
  • Earn 40,000 bonus ThankYou® Points after you spend $4,000 in purchases within 3 months of account opening.
  • Points are redeemable for flights on any airline, anytime with no blackout dates when booked through the ThankYou® Travel Center, or gift cards redeemed from the ThankYou® Rewards collection.
  • 3X points on Air Travel and Hotels, 2X points on Dining at Restaurants and Entertainment and 1 ThankYou® Point per $1 spent on other purchases.
  • Each year a $250 Air Travel Credit will automatically be applied to flight-related expenses charged to your card, including airline tickets, baggage fees, upgrades and more.
  • Complimentary 4th night stay at any hotel of your choice after a minimum 4–consecutive night booking through the Citi Prestige® Concierge.
  • Points Transfer allows you to transfer your qualifying and available ThankYou® Points to airline and hotel loyalty programs.
  • No Foreign Transaction Fees.
  • Travel & Purchase protection.
  • $450 for the primary cardmember. $50 for each authorized user.
Pros
No Foreign Transaction Fees
Sign-up bonus
High rate of rewards
Cons
Needs excellent credit
Has annual fee
Recomended Credit score
Poor
300
Fair
630
Good
690
Excellent
720
850
Bonus offer
Bonus value
$640
Earn 40,000 bonus ThankYou® Points after you spend $4,000 in purchases within 3 months of account opening.
Bonus ThankYou Points are not available if you have had a ThankYou Preferred, ThankYou Premier or Citi Prestige card opened or closed in the past 24 months.
Rewards
Airline
3 points / $1
Travel
3 points / $1
Hotel
3 points / $1
Dinning
2 points / $1
Other
1 points / $1
Balance transfer offer
Balance transfer regular apr
16.74-24.74%
variable
Balance transfer fee
3%
min $5
Rates and fees
Purchase regular apr
$16.74-24.74
variable
Cash advance apr
26.24%
variable
Regular annual fee
$450
Cash advance fee
5%
min $10
Foreign transaction fee
0%
Late payment fee
up to $35
Return payment fee
up to $35
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